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剑桥大学贾奇商学院:2026推动新兴市场与发展中经济体开放金融落地研究报告:激励机制、权责划分与成效评估(中译版)(137页).pdf

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1、Enabling OpenFinance in EMDEsIncentives,Liability,and Performance MeasurementJune 2026With the support ofWith the support ofIn collaboration withSuggested CitationCCAF,Fii and BIS(2026)Enabling Open Finance in EMDEs:Incentives,Liability,and Performance Measurement,Cambridge Centre for Alternative Fi

2、nance(CCAF),University of Cambridge;Financial Innovation for Impact(Fii);Bank for International Settlements(BIS)Forewords 4 Research Team and Acknowledgements 6 Executive Summary 7 Introduction 11 Research Objective and Rationale 12 Methodology 15 Report Structure 18Chapter 1 Understanding Incentive

3、s in Open Finance 19 1.1:Incentives in Open Finance 20 1.2:Commercial Incentives in Open Finance 22 1.3:Incentives for Data Holders in Open Finance 32 1.4:Incentives for Data Users in Open Finance 36 1.5:Incentives for Customers in Open Finance 39 1.6:Incentives in Open Finance:Regulatory Takeaways

4、43Chapter 2 Understanding Liability in Open Finance 46 2.1:How Liability and Dispute Resolution Work in Financial Services:The Baseline 48 2.2:Why Open Finance Changes the Picture 50 2.3:Liability Frameworks in Open Finance 54 2.4:Dispute Resolution in Open Finance 65 2.5:Liability in Open Finance:R

5、egulatory Takeaways 71Chapter 3 Understanding Performance Measurement in Open Finance 74 3.1:Measuring Success in Open Finance:Interview Insights 76 3.2:Design Principles for Performance Measurement Frameworks in Open Finance 78 3.3:Measuring Success of Open Finance in terms of Technical Outcomes 82

6、 3.4:Measuring Success of Open Finance in terms of Policy Outcomes 89 3.5:Performance Measurement in Open Finance:Regulatory Takeaways 101 Way Forward 104 Appendices 109 Governance Frameworks in Open Finance 110 Data Sharing Architecture in Open Finance 111 Key Dimensions of Consent Design in Open F

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1. **研究目标**:聚焦新兴市场和发展中经济体(EMDEs)开放金融生态系统的可持续性,提出“激励、责任、绩效测量”三支柱框架,基于巴西等9国案例及33次访谈。 2. **核心发现**: - **激励**:强制规定仅设最低参与门槛,需结合商业/非金融激励(如税收减免、沙盒)提升深度参与;客户价值交换(如巴西Pix整合)是关键。 - **责任**:继承现有法律架构,多边责任模型需平衡清晰度与创新,依赖数字基础设施(如审计追踪)。 - **绩效**:超越技术指标(如API调用量),需追踪政策成果(如普惠金融、性别/地域差异)。 3. **关键数据**:印度账户聚合(AA)生态覆盖22亿金融账户;巴西、印度开放金融采用速度超多数发达国家。
开放金融如何激励创新? 责任归属如何保障信任? 成功如何有效衡量?
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