Page 3 - IMF-欧洲的金融科技：机遇与挑战（英文）-2020.11-35页.pdf
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Contents Page
A. Traditional Card Scheme…………………………………………………………………12
B. Fintech Payment Innovations……………………………………………………………..15
C. Payment Regulations……………………………………………………………………...16
A. Business Models in Fintech Lending……………………………………………………..19
B. Lending Regulation……………………………………………………………………….24
BOXES
1. From Cash to Cards: The Case of the Netherlands…………………………………………8
2. Instant Payments in Europe……………………………………………………………….14
3. Fintech Payments in Poland: The Experience of BLIK…………………………………...16
4. Mintos-A P2P Lending Platform………………………………………………………….23
FIGURES
1. Global Outlook on Financial Development………………………………………………...4
2. Fintech-Enabling Environment……………………………………………………………..6
3. Financial Ecosystem Enabling Fintech……………………………………………………10
TABLES
1. Top 10 Fintech Companies in the World Based on Total Funding……………………….11
2. Fintech Lending Models…………………………………………………………………..22
3. National Laws and Regulations for Crowdfunding or Peer-to-Peer Lending……………..33
4. Selected Features of Dedicated Fintech Credit Policy Framework……………………….33
ANNEXES
I. Interchange Fee Regulation: EU vs US……………………………………………………31
II. Security Requirements Under PSD II…………………………………………………….32
III. National Regulation for Crowdfunding and Selected Features of Dedicated Fintech Credit
Policy Frameworks…………………………………………………………………………..33
References……………………………………………………………………………………34
