Although banks have been going digital for years, and “fintechs” have been around for a while, the industry has not fundamentally changed. That is because disruption can happen only as quickly as regulators allow it. The pace is limited not only by valid safety and soundness considerations but also the painfully slow speed of regulatory innovation. We are trying to regulate a digital world with 20th century architecture that was designed for physical assets.
盡管數(shù)年來銀行一直在走向數(shù)字化，“金融科技”也已經(jīng)存在了一段時(shí)間，但這個(gè)行業(yè)還沒有發(fā)生根本性的變化。這是因?yàn)椋兏镏荒芤员O(jiān)管機(jī)構(gòu)允許的速度進(jìn)行。變革的步伐受到限制，不僅是因?yàn)榘踩头€(wěn)健方面的合理考慮，也因?yàn)楸O(jiān)管創(chuàng)新的進(jìn)展非常緩慢。我們?cè)噲D以20世紀(jì)形成的為實(shí)物資產(chǎn)設(shè)計(jì)的架構(gòu)來監(jiān)管數(shù)字世界。
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