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FinTech i FinReg - nowe wyzwania dla systemu regulacji rynku finansowego w Polsce i na świecie

Author

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  • Łukasz Gębski

    (Szkoła Główna Handlowa w Warszawie)

Abstract

Skuteczna regulacja rynku finansowego jest kluczowa dla jego innowacyjności i przyszłej pozycji firm FinTech w branży usług finansowych. Przed globalnym kryzysem finansowym innowacje finansowe były postrzegane bardzo pozytywnie, co doprowadziło do deregulacji wielu rynków usług finansowych. W czasie kryzysu nastawienie regulatorów zmieniło się diametralnie. Szybkie zmiany technologiczne pobudziły rozwój firm z branży technologii finansowych (FinTech). FinTech i inni dostawcy usług finansowych otwarcie kwestionują obecny paradygmat regulacyjny. Organy nadzorcze coraz częściej starają się zrównoważyć tradycyjne podejście regulacyjne do stabilności finansowej i ochrony konsumentów z promowaniem wzrostu i innowacji. Wynikające z tego innowacje regulacyjne obejmują technologie, centra innowacji, piaskownice regulacyjne i inne indywidualne rozwiązania. W artykule przeanalizowano nowe podejścia regulacyjne, ustrukturyzowany eksperymentalizm (np. piaskownice regulacyjne) oraz perspektywę nowych ram regulacyjnych.

Suggested Citation

  • Łukasz Gębski, 2021. "FinTech i FinReg - nowe wyzwania dla systemu regulacji rynku finansowego w Polsce i na świecie," Studia z Polityki Publicznej / Public Policy Studies, Warsaw School of Economics, vol. 8(1), pages 1-13.
    • Handle: RePEc:ris:spppps:0015
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    References listed on IDEAS

    as
    1. Philip Treleaven, 2015. "Financial regulation of FinTech," Journal of Financial Perspectives, EY Global FS Institute, vol. 3(3), pages 114-121.
    2. Christian Haddad & Lars Hornuf, 2019. "The emergence of the global fintech market: economic and technological determinants," Small Business Economics, Springer, vol. 53(1), pages 81-105, June.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    FinTech; TechReg; piaskownice regulacyjne; centra innowacyjności; usługi finansowe;
    All these keywords.

    JEL classification:

    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • G24 - Financial Economics - - Financial Institutions and Services - - - Investment Banking; Venture Capital; Brokerage
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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