Fintech Regulation In China

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Fintech Regulation in China

Author : Robin Hui Huang
Publisher : Cambridge University Press
ISBN 13 : 1108860591
Total Pages : 315 pages
Book Rating : 4.1/5 (88 download)

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Book Synopsis Fintech Regulation in China by : Robin Hui Huang

Download or read book Fintech Regulation in China written by Robin Hui Huang and published by Cambridge University Press. This book was released on 2021-07-01 with total page 315 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is the first book-length treatment of the regulation of financial technology (Fintech) in China. Fintech brings about paradigm changes to the traditional financial system, presenting both challenges and opportunities. At the international level, there has been a fierce competition for the coveted title of global Fintech hub. One of the key enablers of success in this race is regulation. As the world's leader in Fintech, China's regulatory experience is of both academic and practical significance. This book presents a systematic and contextualized account of China's Fintech regulation, and in doing so, tries to identify and analyze relevant institutional factors contributing to the development of the Chinese law. It also takes a comparative approach to critically evaluating the Chinese experience. The book illustrates why and how China's Fintech regulation has been developed, if and how it differs from the rest of the world, and what can be learned from the Chinese experience.

Recent Development of Fintech Regulation in China

Author : Chuanman You
Publisher :
ISBN 13 :
Total Pages : 31 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis Recent Development of Fintech Regulation in China by : Chuanman You

Download or read book Recent Development of Fintech Regulation in China written by Chuanman You and published by . This book was released on 2018 with total page 31 pages. Available in PDF, EPUB and Kindle. Book excerpt: FinTech innovation has thrived in China in the past decade. As one leading sector of FinTech innovation, the P2P lending market has experienced an unparalleled growth in China with the Chinese market acceding to be the largest market in the world. This rapid development, while it satisfies the financing need, has brought about industrial risks and regulatory challenges. This article starts with an empirical survey of the explosive development of the P2P lending industry in China followed by an examination of its underlying economic, institutional and technological driving forces. The second part of this article then turns to inspecting, comparatively, several features of regulatory approaches as adopted by the newly established regulatory regime. The third part interrogates two critical challenges which have not been resolved by the new regulatory regimes. The final part concludes.The tentative conclusion is that the newly established regime is a welcome regulatory development. Not only has it provided comprehensive legal protection for participants of the P2P lending market in China; it may also contribute a new model to the global regulatory map for the sustainable growth of the P2P lending market, and the FinTech industry in general.

China's Fintech Explosion

Author : Sara Hsu
Publisher : Columbia University Press
ISBN 13 : 0231551711
Total Pages : 430 pages
Book Rating : 4.2/5 (315 download)

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Book Synopsis China's Fintech Explosion by : Sara Hsu

Download or read book China's Fintech Explosion written by Sara Hsu and published by Columbia University Press. This book was released on 2020-08-04 with total page 430 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial technology—or fintech—is gaining in popularity globally as a way of making financial services more efficient and accessible. In rapidly developing China, fintech is taking off, catering to markets that state-owned banks and an undersized financial sector do not serve amid a backdrop of growing consumption and a large, tech-savvy millennial generation. It is becoming increasingly likely that some of China’s fintech firms will change the way the world does business. In China’s Fintech Explosion, Sara Hsu and Jianjun Li explore the transformative potential of China’s financial-technology industry, describing the risks and rewards for participants as well as the impact on consumers. They cover fintech’s many subsectors, such as digital payment systems, peer-to-peer lending and crowdfunding, credit card issuance, internet banks, blockchain finance and virtual currencies, and online insurance. The book highlights the disruption of traditional banking as well as the risks of fintech and regulatory technology. Hsu and Li describe major companies including Alipay and Tencent, developer of WeChat Pay and a wealth-management business, and other leading fintech firms such as Creditease, Zhong An Insurance, and JD Finance. Offering expert analysis of market potential, risks, and competition, as well as case studies of firms and consumer behavior, China’s Fintech Explosion is a must-read for anyone interested in one of the world’s breakout sectors.

Regulating FinTech in Asia

Author : Mark Fenwick
Publisher : Springer Nature
ISBN 13 : 9811558191
Total Pages : 235 pages
Book Rating : 4.8/5 (115 download)

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Book Synopsis Regulating FinTech in Asia by : Mark Fenwick

Download or read book Regulating FinTech in Asia written by Mark Fenwick and published by Springer Nature. This book was released on 2020-07-28 with total page 235 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book focuses on Fintech regulation in Asian, situating local developments in broader economic, regulatory and technological contexts. Over the last decade, Fintech – broadly defined as the use of new information technologies to help financial institutions and intermediaries compete in the marketplace – has disrupted the financial services sector. Like other 21st century technological developments, Fintech is a global phenomenon that plays out in local economic, political and regulatory contexts, and this dynamic interplay between global trends and local circumstances has created a complex and fast-changing landscape. Diverse stakeholders (most obviously incumbent financial service providers, tech start-ups and regulators) all pursue a competitive edge against a background of profound uncertainty about the future direction and possible effects of multiple emerging technologies. Compounding these difficulties are uncertainties surrounding regulatory responses. Policymakers often struggle to identify appropriate regulatory responses and increasingly turn to policy experimentation. Such issues add to the challenges for the various actors operating in the Fintech space. This situation is particularly fluid in Asia, since many jurisdictions are seeking to establish themselves as a regional hub for new financial services.

People’s Republic of China–Hong Kong Special Administrative Region: Financial Sector Assessment Program-Technical Note-Implications of Fintech for the Regulation and Supervision of the Financial Sector

Download People’s Republic of China–Hong Kong Special Administrative Region: Financial Sector Assessment Program-Technical Note-Implications of Fintech for the Regulation and Supervision of the Financial Sector PDF Online Free

Author : International Monetary
Publisher : International Monetary Fund
ISBN 13 : 1513573276
Total Pages : 57 pages
Book Rating : 4.5/5 (135 download)

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Book Synopsis People’s Republic of China–Hong Kong Special Administrative Region: Financial Sector Assessment Program-Technical Note-Implications of Fintech for the Regulation and Supervision of the Financial Sector by : International Monetary

Download or read book People’s Republic of China–Hong Kong Special Administrative Region: Financial Sector Assessment Program-Technical Note-Implications of Fintech for the Regulation and Supervision of the Financial Sector written by International Monetary and published by International Monetary Fund. This book was released on 2021-06-15 with total page 57 pages. Available in PDF, EPUB and Kindle. Book excerpt: he Hong Kong Special Administrative Region (HKSAR) is among the world’s major fintech hubs, well positioned to develop fintech initiatives from its traditional strengths in financial services. Key factors enabling the HKSAR to emerge as a fintech hub include its presence as an international financial center, its free-flowing talent and capital, a highly developed information and technology communication (ITC) infrastructure, and its most unique trait, a geographical and strategic advantage by proximity to the market in Mainland China.

The Cambridge Handbook of Twin Peaks Financial Regulation

Author : Andrew Godwin
Publisher : Cambridge University Press
ISBN 13 : 1316946886
Total Pages : 595 pages
Book Rating : 4.3/5 (169 download)

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Book Synopsis The Cambridge Handbook of Twin Peaks Financial Regulation by : Andrew Godwin

Download or read book The Cambridge Handbook of Twin Peaks Financial Regulation written by Andrew Godwin and published by Cambridge University Press. This book was released on 2021-07-15 with total page 595 pages. Available in PDF, EPUB and Kindle. Book excerpt: First proposed in 1994, the Twin Peaks model of financial system regulation employs two specialist peak regulators: one charged with the maintenance of financial system stability, and the other with market conduct and consumer protection. This volume, with contributions from over thirty scholars and senior regulators, provides an in-depth analysis of the similarities and differences in the Twin Peaks regimes that have been adopted around the world. Chapters examine the strengths and weaknesses of the model, provide lessons from Australia (the first to adopt the model), and offer a comparative look at the potential suitability of the model in leading non-Twin Peaks jurisdictions. A key resource for central bankers, public policy analysts, lawyers, economists, politicians, academics and students, this work provides readers with a comprehensive understanding of the Twin Peaks model, and a roadmap for countries considering its adoption.

Chinese Antitrust Exceptionalism

Author : Angela Zhang
Publisher : Oxford University Press
ISBN 13 : 0192561197
Total Pages : 272 pages
Book Rating : 4.1/5 (925 download)

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Book Synopsis Chinese Antitrust Exceptionalism by : Angela Zhang

Download or read book Chinese Antitrust Exceptionalism written by Angela Zhang and published by Oxford University Press. This book was released on 2021-02-08 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: China's rise as an economic superpower has caused growing anxieties in the West. Europe is now applying stricter scrutiny over takeovers by Chinese state-owned giants, while the United States is imposing aggressive sanctions on leading Chinese technology firms such as Huawei, TikTok, and WeChat. Given the escalating geopolitical tensions between China and the West, are there any hopeful prospects for economic globalization? In her compelling new book Chinese Antitrust Exceptionalism, Angela Zhang examines the most important and least understood tactic that China can deploy to counter western sanctions: antitrust law. Zhang reveals how China has transformed antitrust law into a powerful economic weapon, supplying theory and case studies to explain its strategic application over the course of the Sino-US tech war. Zhang also exposes the vast administrative discretion possessed by the Chinese government, showing how agencies can leverage the media to push forward aggressive enforcement. She further dives into the bureaucratic politics that spurred China's antitrust regulation, providing an incisive analysis of how divergent missions, cultures, and structures of agencies have shaped regulatory outcomes. More than a legal analysis, Zhang offers a political and economic study of our contemporary moment. She demonstrates that Chinese exceptionalism-as manifested in the way China regulates and is regulated, is reshaping global regulation and that future cooperation relies on the West comprehending Chinese idiosyncrasies and China achieving greater transparency through integration with its Western rivals.

FinTech and SupTech in China

Author : Dawei Zhao
Publisher : Springer
ISBN 13 : 9789819951727
Total Pages : 0 pages
Book Rating : 4.9/5 (517 download)

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Book Synopsis FinTech and SupTech in China by : Dawei Zhao

Download or read book FinTech and SupTech in China written by Dawei Zhao and published by Springer. This book was released on 2023-11-11 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book starts from the application of technologies in financial institutions and financial regulators in China, and defines the concept and connotation of FinTech and SupTech in the form of topics, analyses the main problems in the development process, and discusses in depth the future development and regulatory tendency of FinTech and SupTech. In recent years, with the in-depth application and cross-domain integration of information technology in the financial world, FinTech has rapidly developed and has been widely applied, which brings us an important enlightenment: technical factors will bring fundamental changes for the development of the modern financial industry. While improving financial efficiency, it has an impact on the core financial problems such as information matching and mutual trust solving, making it urgent to improve financial supervision capacity and regulatory efficiency through information technology to effectively guarantee financial security. At present, many Chinese financial institutions have applied technologies to their daily operations and management, such as accurate customer identification, enhanced process tracking, intelligent marketing, and product process transformation, so as to simplify financial service processes and shorten service cycles. Meanwhile, the financial regulators in China, such as PBOC, CBIRC, CSRC, have also applied technologies to the area of financial regulation, in order to reduce the cost of regulation, and promote the efficiency and effectiveness of regulation. In General, this book both pays attention to practical application and theoretical, which is a useful reference book for theoretical research and practical work, and also helps readers to understand the application of technologies in financial institutions and financial regulators in China.

Regulation of Digital Financial Services in China: Last Mover Advantage?

Author : Zhou (Weihuan.)
Publisher :
ISBN 13 :
Total Pages : 38 pages
Book Rating : 4.:/5 (967 download)

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Book Synopsis Regulation of Digital Financial Services in China: Last Mover Advantage? by : Zhou (Weihuan.)

Download or read book Regulation of Digital Financial Services in China: Last Mover Advantage? written by Zhou (Weihuan.) and published by . This book was released on 2015 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Regulatory Aspects of Artificial Intelligence on Blockchain

Author : Tehrani, Pardis Moslemzadeh
Publisher : IGI Global
ISBN 13 : 1799879291
Total Pages : 273 pages
Book Rating : 4.7/5 (998 download)

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Book Synopsis Regulatory Aspects of Artificial Intelligence on Blockchain by : Tehrani, Pardis Moslemzadeh

Download or read book Regulatory Aspects of Artificial Intelligence on Blockchain written by Tehrani, Pardis Moslemzadeh and published by IGI Global. This book was released on 2021-09-24 with total page 273 pages. Available in PDF, EPUB and Kindle. Book excerpt: The convergence of Artificial Intelligence (AI) in blockchain creates one of the world’s most reliable technology-enabled decision-making systems that is virtually tamper-proof and provides solid insights and decisions. The integration of AI and Blockchain affects many aspects from food supply chain logistics and healthcare record sharing to media royalties and financial security. It is imperative that regulatory standards are emphasized in order to support positive outcomes from the integration of AI in blockchain technology. Regulatory Aspects of Artificial Intelligence on Blockchain provides relevant legal and security frameworks and the latest empirical research findings in blockchain and AI. Through the latest research and standards, the book identifies and offers solutions for overcoming legal consequences that pertain to the application of AI into the blockchain system, especially concerning the usage of smart contracts. The chapters, while investigating the legal and security issues associated with these applications, also include topics such as smart contacts, network vulnerability, cryptocurrency, machine learning, and more. This book is essential for technologists, security analysts, legal specialists, privacy and data security practitioners, IT consultants, standardization professionals, researchers, academicians, and students interested in blockchain and AI from a legal and security viewpoint.

Handbook of Blockchain, Digital Finance, and Inclusion, Volume 2

Author : David Lee Kuo Chuen
Publisher : Academic Press
ISBN 13 : 0128122994
Total Pages : 556 pages
Book Rating : 4.1/5 (281 download)

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Book Synopsis Handbook of Blockchain, Digital Finance, and Inclusion, Volume 2 by : David Lee Kuo Chuen

Download or read book Handbook of Blockchain, Digital Finance, and Inclusion, Volume 2 written by David Lee Kuo Chuen and published by Academic Press. This book was released on 2017-08-16 with total page 556 pages. Available in PDF, EPUB and Kindle. Book excerpt: Handbook of Blockchain, Digital Finance, and Inclusion, Volume 2: ChinaTech, Mobile Security, and Distributed Ledger emphasizes technological developments that introduce the future of finance. Descriptions of recent innovations lay the foundations for explorations of feasible solutions for banks and startups to grow. The combination of studies on blockchain technologies and applications, regional financial inclusion movements, advances in Chinese finance, and security issues delivers a grand perspective on both changing industries and lifestyles. Written for students and practitioners, it helps lead the way to future possibilities. Explains the practical consequences of both technologies and economics to readers who want to learn about subjects related to their specialties Encompasses alternative finance, financial inclusion, impact investing, decentralized consensus ledger and applied cryptography Provides the only advanced methodical summary of these subjects available today

FinTech and RegTech in a Nutshell, and the Future in a Sandbox

Author : Douglas W. Arner
Publisher : CFA Institute Research Foundation
ISBN 13 : 1944960260
Total Pages : 30 pages
Book Rating : 4.9/5 (449 download)

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Book Synopsis FinTech and RegTech in a Nutshell, and the Future in a Sandbox by : Douglas W. Arner

Download or read book FinTech and RegTech in a Nutshell, and the Future in a Sandbox written by Douglas W. Arner and published by CFA Institute Research Foundation. This book was released on 2017-07-31 with total page 30 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 2008 global financial crisis represented a pivotal moment that separated prior phases of the development of financial technology (FinTech) and regulatory technology (RegTech) from the current paradigm. Today, FinTech has entered a phase of rapid development marked by the proliferation of startups and other new entrants, such as IT and ecommerce firms that have fragmented the financial services market. This new era presents fresh challenges for regulators and highlights why the evolution of FinTech necessitates a parallel development of RegTech. In particular, regulators must develop a robust new framework that promotes innovation and market confidence, aided by the use of regulatory "sandboxes." Certain RegTech developments today are highlighting the path toward another paradigm shift, which will be marked by a reconceptualization of the nature of financial regulation.

Regulatory Reform in China and the EU

Author : Stefan E. Weishaar
Publisher : Edward Elgar Publishing
ISBN 13 : 1785368540
Total Pages : 297 pages
Book Rating : 4.7/5 (853 download)

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Book Synopsis Regulatory Reform in China and the EU by : Stefan E. Weishaar

Download or read book Regulatory Reform in China and the EU written by Stefan E. Weishaar and published by Edward Elgar Publishing. This book was released on 2017-08-25 with total page 297 pages. Available in PDF, EPUB and Kindle. Book excerpt: With the Chinese government planning a comprehensive and detailed reform of regulatory law, the European experience is likely to contribute significantly. This timely book analyses comparative Chinese and EU regulatory reform from a Law and Economics perspective.

Private Lending in China

Author : Lerong Lu
Publisher : Routledge Research in Finance and Banking Law
ISBN 13 : 9780367513955
Total Pages : 182 pages
Book Rating : 4.5/5 (139 download)

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Book Synopsis Private Lending in China by : Lerong Lu

Download or read book Private Lending in China written by Lerong Lu and published by Routledge Research in Finance and Banking Law. This book was released on 2020-04 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores China's private lending market from historical, economic, legal, and regulatory perspectives. Private lending refers to moneylending agreements between business borrowers and their debt investors without the involvement of banks. In China, it remains difficult for private entrepreneurs to obtain sufficient loans from state-owned banks. Thus, private lending has been a vital alternative financing channel for over 80 million businesses which are reliant on private funds as their major source of operating capital. The market volume of private financing stands at 5 trillion yuan ($783bn), making it one of the largest shadow banking systems in the world. Despite the wide popularity and systemic importance of private lending activities, they have remained outside of the official regulatory framework, leading to extra financial risks. In 2011, China's private lending sector encountered a severe financial crisis, as thousands of business borrowers failed to repay debts and fell into bankruptcy. Lots of bosses who found it impossible to liquidate debts ran away to hide from creditors. The financial turmoil has caused substantial monetary losses for investors across the country, which triggered social unrest and undermined the financial stability. This book is a timely work intended to demystify China's private lending market by investigating its historical development, operating mechanism, and special characteristics. It evaluates the causes and effects of the latest financial crisis by considering a number of real cases relating to helpless investors and runaway bosses. It conducts an in-depth doctrinal analysis of Chinese laws and regulations regarding private lending transactions. It also examines China's ongoing financial reform to bring underground lending activities under official supervision. Finally, the book points out future development paths for the private lending market. It offers suggestions for global policymakers devising an effective regulatory framework for shadow banking. It appeals to researchers, lecturers, and students in several fields, including law, business, finance, political economy, public policy, and China study.

Regulating Fintech for Sustainable Development in the People's Republic of China

Author : Zhong Xu
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (116 download)

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Book Synopsis Regulating Fintech for Sustainable Development in the People's Republic of China by : Zhong Xu

Download or read book Regulating Fintech for Sustainable Development in the People's Republic of China written by Zhong Xu and published by . This book was released on 2019 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The rapid rise of financial technology (fintech) in the People's Republic of China (PRC) inevitably generates financial risks. To prevent and resolve these risks, the government has regulated many fintech application areas, including peer-to-peer lending, third-party payment, cryptocurrency, etc. Additional measures such as financial standardization, infrastructure, and investor protection have also been strengthened to promote sustainable fintech development. The PRC is striking a balance between encouraging fintech innovation and reinforcing regulation. This study reviews both the PRC's regulations and supportive approaches.

Development of China's Financial Supervision and Regulation

Author : Bin Hu
Publisher : Springer
ISBN 13 : 1137522259
Total Pages : 264 pages
Book Rating : 4.1/5 (375 download)

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Book Synopsis Development of China's Financial Supervision and Regulation by : Bin Hu

Download or read book Development of China's Financial Supervision and Regulation written by Bin Hu and published by Springer. This book was released on 2016-06-10 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: China’s financial regulatory system is crucial to the global economy, but is little understood. This book surveys and explicates the current status, the development, and planned reform of the Chinese financial supervision and regulatory system in a systematic way. From the shadow banking system to commercial banking, securities and the foreign exchange regime, the authors shed light on the different moving parts of the system; meanwhile, they show how reforms have changed the system in recent years, whether in free-trade zones, the Shanghai-Hong Kong stock market connection, or in the registration mechanisms required for new IPOs. The editors and authors are from the Chinese Academy of Social Sciences, the China Banking Regulatory Committee, the China Securities Regulatory Committee and other leading academic and policy organizations.

The Handbook of China's Financial System

Author : Marlene Amstad
Publisher : Princeton University Press
ISBN 13 : 0691205841
Total Pages : 504 pages
Book Rating : 4.6/5 (912 download)

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Book Synopsis The Handbook of China's Financial System by : Marlene Amstad

Download or read book The Handbook of China's Financial System written by Marlene Amstad and published by Princeton University Press. This book was released on 2020-11-17 with total page 504 pages. Available in PDF, EPUB and Kindle. Book excerpt: A comprehensive, in-depth, and authoritative guide to China's financial system The Chinese economy is one of the most important in the world, and its success is driven in large part by its financial system. Though closely scrutinized, this system is poorly understood and vastly different than those in the West. The Handbook of China’s Financial System will serve as a standard reference guide and invaluable resource to the workings of this critical institution. The handbook looks in depth at the central aspects of the system, including banking, bonds, the stock market, asset management, the pension system, and financial technology. Each chapter is written by leading experts in the field, and the contributors represent a unique mix of scholars and policymakers, many with firsthand knowledge of setting and carrying out Chinese financial policy. The first authoritative volume on China’s financial system, this handbook sheds new light on how it developed, how it works, and the prospects and direction of significant reforms to come. Contributors include Franklin Allen, Marlene Amstad, Kaiji Chen, Tuo Deng, Hanming Fang, Jin Feng, Tingting Ge, Kai Guo, Zhiguo He, Yiping Huang, Zhaojun Huang, Ningxin Jiang, Wenxi Jiang, Chang Liu, Jun Ma, Yanliang Mao, Fan Qi, Jun Qian, Chenyu Shan, Guofeng Sun, Xuan Tian, Chu Wang, Cong Wang, Tao Wang, Wei Xiong, Yi Xiong, Tao Zha, Bohui Zhang, Tianyu Zhang, Zhiwei Zhang, Ye Zhao, and Julie Lei Zhu.