CGFS&FSB：2017金融科技信用报告（48页）.pdf

1、 22 May 2017 FinTech credit Market structure, business models and financial stability implications Report prepared by a Working Group established by the Committee on the Global Financial System (CGFS) and the Financial Stability Board (FSB) ii This publication is available on the website of the BIS

2、(www.bis.org) and the FSB (www.fsb.org). To contact the BIS Media and Public Relations team, please e-mail pressbis.org. You can sign up for e- mail alerts at http:/www.bis.org/emailalerts.htm. To contact the FSB, please e-mail fsbfsb.org. You can sign up for e-mail alerts at www.fsb.org/emailalert

3、or follow the FSB on Twitter: FinStbBoard. Bank for International Settlements and Financial Stability Board 2017. All rights reserved. Brief excerpts may be reproduced or translated provided the source is stated. ISBN 978-92-9259-051-2 (online) iii Preface FinTech credit that is, credit activity fac

4、ilitated by electronic platforms such as peer-to-peer lenders has generated significant interest in financial markets, among policymakers and from the broader public. Yet there is significant uncertainty as to how FinTech credit markets will develop and how they will affect the nature of credit prov

5、ision and the traditional banking sector. Against this background, a group of representatives from the membership of the Committee on the Global Financial System (CGFS) and the Financial Stability Board (FSB) Financial Innovation Network, together with the Secretariats of the CGFS and FSB, undertook

6、 this study of FinTech credit. The study draws on public sources and ongoing work in member institutions to analyse the functioning of FinTech credit markets, including the size, growth and nature of activities. It also assesses the potential microfinancial benefits and risks of these activities, an