Necesidad de una regulación mundial de Fintech

En este artículo se analiza la necesidad de una regulación internacional para los negocios Fintech. Primeramente, se hace un breve análisis de la importancia del tema y de los riesgos de la carencia de una buena regulación. Posteriormente se analizan distintos casos de regulación a nivel del sector...

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Autores:
Maldonado Narváez, Marlon Iván
Tipo de recurso:
Article of journal
Fecha de publicación:
2020
Institución:
Corporación Universidad de la Costa
Repositorio:
REDICUC - Repositorio CUC
Idioma:
eng
OAI Identifier:
oai:repositorio.cuc.edu.co:11323/12534
Acceso en línea:
https://hdl.handle.net/11323/12534
https://doi.org/10.17981/juridcuc.17.1.2021.03
Palabra clave:
Fintech
international regulation
policy-makers
Regtech
financial system
Fintech
regulación inter­nacional
legisladores
Regtech
sistema financiero
Rights
openAccess
License
JURÍDICAS CUC - 2020
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dc.title.spa.fl_str_mv Necesidad de una regulación mundial de Fintech
dc.title.translated.eng.fl_str_mv Necessity of a fintech global regulation
title Necesidad de una regulación mundial de Fintech
spellingShingle Necesidad de una regulación mundial de Fintech
Fintech
international regulation
policy-makers
Regtech
financial system
Fintech
regulación inter­nacional
legisladores
Regtech
sistema financiero
title_short Necesidad de una regulación mundial de Fintech
title_full Necesidad de una regulación mundial de Fintech
title_fullStr Necesidad de una regulación mundial de Fintech
title_full_unstemmed Necesidad de una regulación mundial de Fintech
title_sort Necesidad de una regulación mundial de Fintech
dc.creator.fl_str_mv Maldonado Narváez, Marlon Iván
dc.contributor.author.spa.fl_str_mv Maldonado Narváez, Marlon Iván
dc.subject.eng.fl_str_mv Fintech
international regulation
policy-makers
Regtech
financial system
topic Fintech
international regulation
policy-makers
Regtech
financial system
Fintech
regulación inter­nacional
legisladores
Regtech
sistema financiero
dc.subject.spa.fl_str_mv Fintech
regulación inter­nacional
legisladores
Regtech
sistema financiero
description En este artículo se analiza la necesidad de una regulación internacional para los negocios Fintech. Primeramente, se hace un breve análisis de la importancia del tema y de los riesgos de la carencia de una buena regulación. Posteriormente se analizan distintos casos de regulación a nivel del sector financiero tradicional, así como de algunos Estados que se consideran determinantes para el negocio Fintech, incluyendo a Colombia que ha mostrado un buen desarrollo de dichos emprendimientos a nivel regional. Para lograr el cometido que nos propusimos, se usó el método deductivo, partiendo de la generalidad de la información disponible, y posteriormente a un análisis de casos concretos. En lo relativo al estudio de casos se trató de un estudio comparado para ofrecer una visión más amplia sobre cuál debe ser la mejor regulación aplicable. Tras este análisis se llegó a la conclusión de que en la actualidad ningún modelo estatal serviría como ley modelo internacional, y que lo que se requiere es de un diálogo entre Estados y empresarios para poder abordar el tema desde distintas ópticas, de tal manera que se garantice el crecimiento económico y la protección tanto de la economía y de los consumidores a nivel internacional.
publishDate 2020
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2024-04-09T20:26:29Z
dc.date.available.none.fl_str_mv 2020-09-23 00:00:00
2024-04-09T20:26:29Z
dc.date.issued.none.fl_str_mv 2020-09-23
dc.type.spa.fl_str_mv Artículo de revista
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dc.relation.ispartofjournal.spa.fl_str_mv Revista Jurídicas CUC
dc.relation.references.eng.fl_str_mv Arner, D., Barberis, J. & Bucley, R. (2017a). Fintech and Regtech in a nutshell, and the future in a sandbox. [Research Paper No. 2017/040]. Hong Kong: CFA Institute Research Foundation. https://doi.org/10.2139/ssrn.3088303
Arner, D., Barberis, J. & Bucley, R. (2017b). RegTech: Building a better financial system. In: D. L. K. Chuen & R. Deng (Ed.), Handbook of blockchain, digital finance, and inclusion, Volume 1 (pp. 359–373). Cambridge: Academic Press. https://doi.org/10.1016/B978-0-12-810441-5.00016-6
ASBA. (2019). Prácticas globales de regulación y supervisión de Fintech. [Regulación para la innovación responsable y competitiva del sector financiero]. Ciudad de México: ASBA y BID Lab. Recuperado de http://www.asbasupervision.com/es/bibl/i-publicaciones-asba/i-1-grupos-de-trabajo/2206-practicas-globales-de-regulacion-y-supervision-de-fintech-1/file
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spelling Maldonado Narváez, Marlon Iván2020-09-23 00:00:002024-04-09T20:26:29Z2020-09-23 00:00:002024-04-09T20:26:29Z2020-09-231692-3030https://hdl.handle.net/11323/12534https://doi.org/10.17981/juridcuc.17.1.2021.0310.17981/juridcuc.17.1.2021.032389-7716En este artículo se analiza la necesidad de una regulación internacional para los negocios Fintech. Primeramente, se hace un breve análisis de la importancia del tema y de los riesgos de la carencia de una buena regulación. Posteriormente se analizan distintos casos de regulación a nivel del sector financiero tradicional, así como de algunos Estados que se consideran determinantes para el negocio Fintech, incluyendo a Colombia que ha mostrado un buen desarrollo de dichos emprendimientos a nivel regional. Para lograr el cometido que nos propusimos, se usó el método deductivo, partiendo de la generalidad de la información disponible, y posteriormente a un análisis de casos concretos. En lo relativo al estudio de casos se trató de un estudio comparado para ofrecer una visión más amplia sobre cuál debe ser la mejor regulación aplicable. Tras este análisis se llegó a la conclusión de que en la actualidad ningún modelo estatal serviría como ley modelo internacional, y que lo que se requiere es de un diálogo entre Estados y empresarios para poder abordar el tema desde distintas ópticas, de tal manera que se garantice el crecimiento económico y la protección tanto de la economía y de los consumidores a nivel internacional.This article analyzes the need for international regulation for Fintech businesses. First, a brief analysis is made of the importance of the topic and the risks of the lack of good regulation. Subsequently, different cases of regulation are analyzed at the level of the traditional financial sector, as well as of some States that are considered decisive for the Fintech business, including Colombia, which has shown a good development of such ventures at the regional level. To achieve the task that we set ourselves, the deductive method was used, starting from the generality of the available information, and subsequently to an analysis of specific cases. Regarding the case study, it was a comparative study to offer a broader view of what should be the best applicable regulation. After this analysis, it was concluded that currently no state model would serve as an international model law and that what is required is a dialogue between States and businessmen to be able to approach the issue from different perspectives, in such a way that ensure economic growth and protection of both the economy and consumers internationally.application/pdftext/htmlapplication/xmlapplication/epub+zipengUniversidad de la CostaJURÍDICAS CUC - 2020https://creativecommons.org/licenses/by-nc-nd/4.0/info:eu-repo/semantics/openAccessEsta obra está bajo una licencia internacional Creative Commons Atribución-NoComercial-SinDerivadas 4.0.http://purl.org/coar/access_right/c_abf2https://revistascientificas.cuc.edu.co/juridicascuc/article/view/2923Fintechinternational regulationpolicy-makersRegtechfinancial systemFintechregulación inter­nacionallegisladoresRegtechsistema financieroNecesidad de una regulación mundial de FintechNecessity of a fintech global regulationArtículo de revistahttp://purl.org/coar/resource_type/c_6501http://purl.org/coar/resource_type/c_2df8fbb1Textinfo:eu-repo/semantics/articleJournal articlehttp://purl.org/redcol/resource_type/ARTinfo:eu-repo/semantics/publishedVersionhttp://purl.org/coar/version/c_970fb48d4fbd8a85Revista Jurídicas CUCArner, D., Barberis, J. & Bucley, R. (2017a). Fintech and Regtech in a nutshell, and the future in a sandbox. [Research Paper No. 2017/040]. Hong Kong: CFA Institute Research Foundation. https://doi.org/10.2139/ssrn.3088303Arner, D., Barberis, J. & Bucley, R. (2017b). RegTech: Building a better financial system. In: D. L. K. Chuen & R. Deng (Ed.), Handbook of blockchain, digital finance, and inclusion, Volume 1 (pp. 359–373). Cambridge: Academic Press. https://doi.org/10.1016/B978-0-12-810441-5.00016-6ASBA. (2019). Prácticas globales de regulación y supervisión de Fintech. [Regulación para la innovación responsable y competitiva del sector financiero]. Ciudad de México: ASBA y BID Lab. Recuperado de http://www.asbasupervision.com/es/bibl/i-publicaciones-asba/i-1-grupos-de-trabajo/2206-practicas-globales-de-regulacion-y-supervision-de-fintech-1/fileBCBS. (december 7, 2017). Basel III: international regulatory framework for banks. [Online]. Available: https://www.bis.org/bcbs/basel3.htmBoehmer, E., Nash, R. & Netter, J. 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London: Elsevier & Academic Press. https://doi.org/10.1016/B978-0-12-812282-2.00003-665–8665–86117https://revistascientificas.cuc.edu.co/juridicascuc/article/download/2923/3062https://revistascientificas.cuc.edu.co/juridicascuc/article/download/2923/3063https://revistascientificas.cuc.edu.co/juridicascuc/article/download/2923/3082https://revistascientificas.cuc.edu.co/juridicascuc/article/download/2923/3083Núm. 1 , Año 2021 : Jurídicas CUC 2021PublicationOREORE.xmltext/xml2486https://repositorio.cuc.edu.co/bitstreams/6a382336-4d27-492a-94df-8369e80512c7/download17e4d8dc28cc3250c5b9082e98ef871fMD5111323/12534oai:repositorio.cuc.edu.co:11323/125342024-09-17 10:44:45.723https://creativecommons.org/licenses/by-nc-nd/4.0/JURÍDICAS CUC - 2020metadata.onlyhttps://repositorio.cuc.edu.coRepositorio de la Universidad de la Costa CUCrepdigital@cuc.edu.co

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