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所在平台: Coursera |
课程主页: https://www.coursera.org/learn/financial-regulation
课程评论：没有评论
课程名称：新兴市场的金融监管与金融科技公司的崛起 课程概述：本课程介绍自1997年亚洲金融危机和2008年全球金融危机以来，变化中的监管环境。两次重大危机后，全球各国政府实施了一系列深远的新金融法规，旨在维护金融稳定。然而，银行在这一新的监管环境下日益难以盈利。与此同时，技术的飞速发展，尤其是人工智能的复杂模型和区块链的发明，推动了全球金融科技公司的崛起。 本课程讨论了新兴市场中的金融科技监管，并结合中国和南非的案例研究，特别关注新兴市场的社会经济环境以及政治风险对金融科技创业者的不确定性。我们将以点对点借贷和汇款作为新兴市场金融科技创新的典型例子进行深入探讨。 课程大纲： 1. **金融危机** 本周我们将回顾20世纪90年代末和21世纪初的金融危机关键事件，以理解金融科技在新兴市场的成长。通过分析银行的基本运作机制及其崩溃原因，我们将了解新金融法规如何为当今的金融科技创造机会与限制。 2. **危机后监管** 本周我们将深入金融系统的细节，探讨银行的运作及其监管。从大萧条的起因开始，反思随之而来的金融监管对银行崩溃的影响。了解当前金融监管框架的来源，为理解金融科技创新带来的扰动打下基础。 3. **新兴市场的金融科技监管** 我们进入课程的核心，分析新兴经济体中的金融科技环境及其特点。将重点研究首次代币发行（ICO）作为金融科技公司融资的关键机制，并会提供与南非、中国和巴西相关的银行、金融监管和金融科技从业者的访谈。 4. **金融科技公司的崛起** 在课程最后一周，我们将研究新兴经济体中金融科技的实际应用，特别是点对点借贷和汇款。由于银行成本高昂及数百万人的排除在外，企业家正在探索创新机制，以同伴借贷融资。金融科技提供了快速安全的汇款转移机制，这在全球得到了广泛应用。我们还将听取银行领域人士对区块链和其他新技术影响的看法，最后通过一项作业来总结学习成果。
Name:Financial Crises
Description:So you’re interested in the opportunities for fintech? I’ll be taking you back to the key events in the financial crises of the late 1990s and early 2000s in order to understand the growth of fintech in emerging markets. We’ll be looking at the basic mechanisms behind banking and what happened when the financial markets crashed. It’s essential for us to become familiar with the new financial regulations and how they create opportunities and constraints for fintech today. Over the four weeks of the course, you will be invited to think about how new financial regulations have spurred the rise of fintech companies in emerging economies.
Name:Post-crisis regulations
Description:We dive into details of financial systems this week - looking at how banks function and are regulated. Using the Great Depression as a starting point, I describe what caused the collapse of banks a century ago, to reflect on the impact of the post-depression financial regulations that followed. These regulations included the establishment of international financial institutions that controlled current monetary policies. Being familiar with the current financial regulatory framework and where it comes from provides the basis for understanding the disruptions from the fintech innovations we will be covering next week.
Name:Fintech regulation in emerging markets
Description:We've now reached the heart of the course - looking at the context of fintech in emerging economies and what makes them different. To begin we will look at Initial Coin Offerings (ICO) which are one of the key mechanisms used fintech companies to finance themselves. We are going to focus particularly on South Africa, China, and Brazil, and I have a number of interviews with people involved in banking, financial regulation and fintech from these countries.
Name:Rise in Fintech Companies
Description:In this last week of the course, we look at applications of fintech in emerging economies. I have selected two widely adopted applications to explore: peer-to-peer lending and remittances. Because of the costs of banking and the exclusion of millions from formal banking systems, entrepreneurs have been exploring innovative mechanisms to finance business by borrowing from peers. Fintech offers a fast and secure mechanism to transfer remittances that are being widely used across the world - and we will look at some examples. I also asked people from the banking sector to describe how large formal financial institutions are considering the impact of blockchain and other new technologies. At the end of this week, you will have a chance to apply what you’ve learnt in a final assignment.
This course gives an overview of the changing regulatory environment since the 1997 Asian and 2008 global financial crisis. Following these two major crises, governments around the globe enacted a set of far-reaching new financial regulations that are aimed towards safeguarding financial stability. However, banks find it increasingly difficult to be profitable in this new regulatory environment. Technology, at the same time, has taken important leaps forward with the emergence of sophisticated models of artificial intelligence and the invention of the blockchain. These two developments fuel the emergence of fintech companies around the world. This course discusses fintech regulation in emerging markets using case studies from China and South Africa. The course pays special attention to the socioeconomic environment in emerging markets, as well as to political risk as a major source of uncertainty for fintech entrepreneurs. Peer-to-peer lending and remittances are used as leading examples for fintech innovation in emerging markets.
