数字时代的欧洲：在不扼杀创新的情况下监管数字金融

Q1 Social Sciences

Law, Innovation and Technology Pub Date : 2021-07-03 DOI:10.1080/17579961.2021.1977222

G. Pavlidis

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引用次数: 7

摘要

在过去的10年里，加密货币市场的扩张呈指数级增长，对加密资产监管的“观察和等待策略”不再合适和合理。巧合的是，欧盟已经认识到有必要制定一项数字金融战略，以弥补监管空白，并在2019冠状病毒病大流行之后帮助欧洲经济重新启动和实现现代化。欧盟数字金融战略背后的理念，特别是拟议的加密资产市场监管(MiCA)和拟议的数字运营弹性法案(DORA)，是创新友好型的。欧盟的立法举措旨在释放加密资产的潜力，同时减轻金融稳定、市场诚信和消费者保护方面的风险。这将为消费者带来更多更好的金融产品，改善普惠金融和企业融资。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Europe in the digital age: regulating digital finance without suffocating innovation

ABSTRACT The expansion of the cryptocurrency market in the last 10 years has been exponential and a ‘watch and wait strategy’ towards the regulation of crypto-assets is no longer appropriate and justifiable. Opportunely, the European Union (EU) has recognised the need for a digital finance strategy to address regulatory gaps and help relaunch and modernise the European economy in the aftermath of the COVID-19 pandemic. The philosophy behind the EU Digital Finance Strategy, in particular the proposed Regulation on Markets in Crypto-Assets (MiCA) and the proposed Digital Operational Resilience Act (DORA), is innovation-friendly. The EU legislative initiatives seek to unlock the potential of crypto-assets while mitigating the risks to financial stability, market integrity and consumer protection. This will lead to additional and better financial products for consumers, improving financial inclusion and financing of businesses.

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来源期刊

Law, Innovation and Technology Social Sciences-Law

CiteScore

4.50

自引率

0.00%

发文量

期刊介绍： Stem cell research, cloning, GMOs ... How do regulations affect such emerging technologies? What impact do new technologies have on law? And can we rely on technology itself as a regulatory tool? The meeting of law and technology is rapidly becoming an increasingly significant (and controversial) topic. Law, Innovation and Technology is, however, the only journal to engage fully with it, setting an innovative and distinctive agenda for lawyers, ethicists and policy makers. Spanning ICTs, biotechnologies, nanotechnologies, neurotechnologies, robotics and AI, it offers a unique forum for the highest level of reflection on this essential area.