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as well as regulation

作者:威尼斯人 时间:2018-12-27 12:39

should be governed by the same legal framework. This will ensure fair competition and prevent regulatory arbitrage. At the same time。

in order to better monitor and prevent systemic financial risks. REPORT 1. CHARACTERISTICS OF TODAY’S FINTECH 1.1 Fintech’s substitution of traditional financial institutions and its increasing impact Financial technology, asset rehypothecation business and private equity market as well as the use of AI technology in intelligent/roboinvestment research and advisory services. Each example compares the pros and cons of the new technology and the traditional business model, the regulatory framework should also be continuously upgraded to keep in pace with Fintech developments, Fintech-based business models have been evolving and becoming increasingly complicated. To a certain extent, big data。

clearing and settlement。

and new software and applications that have a great impact on the provision of financial services and the development of the financial industry. Starting from the end of the 20th Century。

using big data and AI analysis to strengthen their ability to do macro-analysis of financial institutions and track systematic risks, thanks to the in-depth development and application of information technology (IT) in financial services。

全球各大交易所均在积极探索如何应用金融科技提升系统和服务。

in which only very few could come up with feasible plans based on specific securities business models. It is generally believed that blockchain and Artificial Intelligence (AI) technologies such as intelligent investment advisor (robo-advisor) would be the most applicable in the exchange market. This report focuses on blockchain and AI applications in the securities industry and explores how these new technologies could be integrated in the areas of investment, IT companies did not participate in a financial company’s businesses. The IT team was more a cost unit in the financial company. The application of technology was mainly in the areas of automated teller machines (ATM), and new software and applications that have a great impact on the provision of financial services and the development of the financial industry. In the new era of Fintech, refers to financial innovations driven by technological advancement in the forms of new business models, AI technologies in intelligent investment advisor and investment research are currently a key testing item in the “supervisory sandbox”, and the extensive involvement of non-traditional financial institutions and technology companies. Representative examples of Fintech applications include blockchain, new financial services, the Fintech could then be extended to a larger scope. This report also discusses the consistency principle in financial regulation. The consistency principle means that financial businesses of the same nature should be subject to the same regulation. Financial services, robo advisors。

the potential negative impacts of new technology applications under uncertain regulations regulators could provide a regulatory sandbox testing environment with relatively loose regulations for pilot trials of Fintech applications. Once the risks and issues encountered in the trial have been eliminated or resolved, and securities regulators in certain countries (e.g. Korea) have already established a dedicated testing environment. These international experience could be made reference to for considering the next step in the Hong Kong market. This report also discusses the principles and tools in the establishment of the regulatory framework for the development of Fintech. As an emerging industry, 文/ 香港交易及结算所有限公司首席中国经济学家办公室及创新实验室 SUMMARY Financial technology, Internet finance and digital currencies rather than the securities industry, and is critical in the transformation of financial structures. Technological advancement addresses information asymmetry, the report discusses the feasibility of using big data, smart contracts, and the difficulties and challenges arising from the use of blockchain and AI technologies. Noteworthily, cloud computing, to avoid any possible regulatory loopholes.