新加坡的货币权威更积极地推动了金融技术创新 - 而不是其他国家的监管机构。它可能是时候调整啦啦队。
Beginning in 2015, with its S$225 million (about $167 million) Financial Sector Technology and Innovation initiative, MAS established the city-state as a global research and development hub. Basking in the glow of its commercial success, MAS has taken a front-row seat to the risks fintech poses to financial stability globally.
超过400 fintech企业,以及更多than 30 innovation centers and research labs of multinational companies, have set up shop in the country, MAS managing director Ravi Menon said in a November 14 speech at the second annual Singapore FinTech Festival. The multiday event was attended by 25,000 people from 100 nations. Menon said the central bank has signed 16 cooperation and information-sharing agreements with government authorities globally, including the U.K.’s Financial Conduct Authority, which, like MAS, operates a “sandbox” where start-ups can experiment with a minimum of red tape.
MAS, which commands a 100,000-square-foot financial district building in Singapore as a collaborative workspace, joined in November the Massachusetts Institute of Technology Media Lab to explore such frontiers as cryptocurrencies and quantum computing. The central bank has also started a S$27 million artificial intelligence and data analytics grant to cofund as much as 50 percent of project costs for Singapore-based financial firms, according to a November 15 statement from MAS.
The rationale, as stated by Menon at the festival: “If Singapore is to maintain its position as one of the top financial centers in the world, it must embrace fintech — maximizing its benefits, minimizing its risks.”
Oh yes, risks. For all the fanfare, MAS remains a watchdog, with systemic, supervisory, and surveillance responsibilities. That means “being alert to potential risks, while taking care not to stifle innovation,” Menon said, before adding, “Easier said than done!”
如果这相当于金融气节型富裕的回火，那么Menon符合瑞士巴塞尔的金融稳定委员会的曲调。由英格兰州长Mark Carney银行主持的国际咨询小组表示，关于FINTECH的举报，管理来自第三方服务提供商（如云计算公司）的运营风险是最优先事项。网络安全和监测Macrofinancial风险，包括对金融化贷款平台的资金增长，在其优先事项列表中也很高。
11月，FSB随访了一份关于人工智能或AI和机器学习如何有益的报告 - 或威胁 - 金融稳定。虽然本组织在报告中承认技术可以更有效地帮助地处理信用决策，金融市场和保险合同中的信息，但它也指出可能出现超出看门狗的风险。
“新技术的网络效果和可扩展性可能在未来导致第三方依赖，”FSB说。“这又可以导致新的系统性重要的球员出现，这些球员可能落在监管周边之外。”
国际证券委员会的国际组织涉及2月份报告的类似问题，称金融技术正在审视某些受监管活动。
IOSCO表示，股权公司协助在线协助在线，Dimintermited股票交易所和承销商在线提供股票展示。根据该报告，对等贷款平台的贷款银行和自动化投资建议具有自动化投资建议的机器顾问正在取代传统上由专业人员所做的工作。
鼓励对金融气，监管和系统稳定的开放对话，美国财政部财务研究办公室最近在11月30日和12月1日与马里兰大学和克利夫兰联邦储备银行共同联合了两天的会议。11月初早些时候在密歇根大学举行了金融气活动。
“创新本质上是破坏性的，”密歇根州大学杰拉德·福特公共政策和前助理财政部长的院长院长迈克尔巴尔·博尔（Michaigan）院长和前助理财政部长，在11月16日至16日在会议上加强了这一问题。监管机构不断努力“获得完美的平衡”，他说，因为他们寻求避免“锁定恐龙或释放对社会过高的风险”。“
联邦政府州长莱尔灌木不希望被忽视的监管的积极方面。她在西北大学发表演讲，她表示，监管使“消费者信任银行来确保其资金并保持其交易的完整性”。然而，当它来到Fintech时，Brainard有一些谨慎的话。
“虽然”跑步快速和休息的东西“可能是技术领域的一个受欢迎的口头禅，它适合一个严重的违规可能会破坏对付款系统的信心的竞技场，”她说。