开放金融的关键考虑因素——执行摘要

Key considerations for open finance – Executive Summary Open finance is a financial innovation that enables customer-permissioned access to and use of financialdata held by institutions to provide new and enhanced services and develop innovative business models.It expands on open banking by including a broader range of financial products, such as investments,insurance and pensions. Openfinance frameworks have the potential to enhance customer empowerment andexperience, impact competition in the financial sector, spur data-driven innovation and improve financialinclusion. Yet open finance can also pose new or enhanced risks, especially as more data are exchangedbetween financial sector providers. Open finance can also impose new regulatory and supervisorydemands, hinder competition if big players dominate and, in the absence of key supporting elements, risksleaving behind certain segments of the population. A growing number of countries are considering, designing or implementing open financeframeworks. As the development and adoption of open finance becomes a central element of digitalfinancial ecosystems in these countries, there is a unique opportunity to design open finance frameworksin a way that supports responsible financial inclusion and benefits all parties involved, especially thosetraditionally excluded and underserved. With this in mind, the Bank for International Settlements, CGAP, the International Monetary Fund,the Office of the United Nations Secretary-General’s Special Advocate for Financial Health and the WorldBank jointly developed theKey considerations for open finance. The high-level considerations are intendedforfinancial sector authorities implementing or seeking to implement or improve open financeframeworks. The key considerations are structured around 10 key elements of an effective open financeframework (see the chart below). While these are presented as distinct elements, the design choices madeunder one element will impact other elements, and authorities should consider the interplay betweendifferent choices, as well as the possible trade-offs between different policy objectives. The table thatfollows the chart provides the key considerations for each key element. Key considerations for open finance