上海应把开放银行作为金融科技中心建设的核心抓手  

Open Banking as the major engine of Shanghai International FinTech Hub

作　　者：费方域[1,2] 许永国 FEI Fangyu;XU Yongguo

机构地区：[1]上海交通大学中国普惠金融研究中心 [2]上海交通大学英凡研究院 [3]上海交通大学安泰经济管理学院

出　　处：《金融发展》2018年第2期8-37,共30页Financial Development

摘　　要：本文的题目存在着假设性——当前上海已经公开宣明自己要成为全球金融科技中心,但还没有被落实。上海如果不大力发展金融科技,那么想成为金融中心科技中心会相当困难。本文详细阐述了全球开放银行革命的涵义、背景、特征、机遇与挑战以及主要国家或地区的开放银行实践,最后指出了开放银行革命与银行数字化转型对上海培育成为国际领先金融科技中心以及激活原有"两个中心"升级改造的重要战略意义。This paper is based upon the assumption that Shanghai has determined to establish itself as an International Fintech Hub.We explore the context,essence and relevant economics of the ongoing Open Banking revolution around the world,as well as opportunities and challenges created by it.Then we detail the relevant best practices and implementations in representative countries and jurisdictions.Finally,we explain why Open Banking and digital transformation of banking system are crucial to strengthen Shanghai’s strategic position as the International Financial Center and the National Technology&Innovation Center.We point out that Shanghai cannot become the leading international FinTech Hub without mature Open Banking ecosystem.

关 键 词：开放银行 API经济 平台 生态系统 金融科技 数字转型 

分 类 号：F832.6[经济管理—金融学]