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Le choix du modèle de régulation des Fintech : entre sandbox et soundbox

Author

Listed:
  • Gurvan Branellec

    (Brest Business School)

  • Ji-Yong Lee

    (Audencia Business School)

Abstract

La révolution technologique digitale touche l'ensemble des métiers de la finance. Elle conduit les régulateurs à encadrer les nouveaux acteurs qui ne cessent de gagner en popularité. Les pouvoirs publics sont confrontés à des impératifs complexes à concilier. D'un côté, ils souhaitent ouvrir le cadre juridique traditionnel afin d'intensifier la concurrence en permettant aux start-up Fintech de proposer des services financiers aux particuliers et aux entreprises. D'un autre côté, il est nécessaire de contrôler ces activités à risque et protéger ainsi le consommateur. La France est donc confrontée au défi de la construction d'un cadre juridique à même d'éviter de brider l'innovation des Fintech. Celles-ci étant en plein essor en Angleterre et aux États-Unis, il est pertinent de s'interroger sur la possibilité d'une prise en compte par la France des modèles réglementaires en vigueur dans ces pays, à défaut de mettre en place une réglementation différente. Notre travail tente d'apporter une contribution à cette problématique par le biais d'une conciliation entre la littérature juridique anglo-saxonne (anglaise et américaine) et celle en économie financière.

Suggested Citation

  • Gurvan Branellec & Ji-Yong Lee, 2019. "Le choix du modèle de régulation des Fintech : entre sandbox et soundbox," Post-Print hal-02612617, HAL.
    • Handle: RePEc:hal:journl:hal-02612617
    Note: View the original document on HAL open archive server: https://audencia.hal.science/hal-02612617
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    References listed on IDEAS

    as
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