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所在平台: Coursera |
课程主页: https://www.coursera.org/learn/fintechlawandpolicy
课程评论：没有评论
课程名称：金融科技法律与政策 课程概述：在金融科技（FinTech）行业中，成功的公司不仅需要出色的技术，还需要对适用于其业务的法律和法规有深入的理解。本课程将帮助您掌握这一理解。您将学习与加密货币、首次代币发行（ICO）、在线借贷、新支付和财富管理技术以及金融账户聚合器相关的关键法律、监管和政策问题。此外，您还会了解美国的监管机构如何不断调整以应对新金融科技的出现，其中一个特定机构提出了金融科技公司成为受监管银行的路径。课程还将介绍美国银行的监管基础知识。 课程大纲： 1. 欢迎进入金融科技法律与政策：介绍加密货币、ICO、在线借贷等相关的法律和政策问题，解读监管机构的适应过程。 2. 金融科技、监管机构与传统金融机构之间的关系演变：探讨金融科技公司面临的关键监管挑战以及合规失败的实例，分析金融科技行业的演变和监管机构的反应。 3. 加密货币与首次代币发行：概述加密货币及分布式账本技术，探讨其在各州和联邦的监管情况，以及ICO的监管处理。 4. 金融科技借贷：介绍各种金融科技借贷模型及其监管，分州限制下，许多金融科技借贷机构与受监管的银行进行合作的方式。 5. 美国的银行监管：讲解成为银行的过程及负责监管银行的政府机构，分析金融科技公司获取新型银行特许经营的机会。 6. 金融科技支付、财富管理与账户聚合：审视适用于传统支付系统的法律框架，探讨金融科技如何提升支付便利性及财富管理中使用算法的“机器人顾问”，以及允许消费者聚合财务账户信息的法律问题。 本课程旨在帮助学员熟悉金融科技公司面临的关键法律和监管挑战，虽然主要集中在美国市场，但并不提供法律建议。通过高层次的技术概述，为学员打下基础。
Name:Welcome to FinTech Law and Policy
Description: In this course, you will learn about the critical legal, regulatory, and policy issues associated with cryptocurrencies, initial coin offerings, online lending, new payments and wealth management technologies, and financial account aggregators. In addition, you will learn how regulatory agencies in the U.S. are continually adjusting to the emergence of new financial technologies and how one specific agency, the Office of the Comptroller of the Currency, has proposed a path for FinTech firms to become regulated banks.
Name:The Evolving Relationship Between FinTechs, Regulators, and Traditional Financial Institutions
Description:This module begins with a preview of the key regulatory challenges facing FinTech firms and provides several examples of what can happen when FinTech firms fail to comply with applicable laws and regulations. We then look at how the FinTech industry has evolved post-2008 - from a disrupt mentality to one of “strategic partnership” - along with corresponding FinTech industry investment trends. Next, we examine the challenges regulators face in responding to new FinTech developments and detail how several U.S. regulatory agencies have adjusted thus far. We conclude this module by exploring one specific regulatory approach, known as a “sandbox,” that has been deployed in other countries and in one U.S. state.
Name:Cryptocurrency and Initial Coin Offerings
Description:This module first provides an overview of cryptocurrencies and distributed ledger technology, and then examines how cryptocurrency is regulated by various state and federal agencies. You will also learn how cryptocurrency is regulated as: money, a commodity, and property. The module concludes with an examination of initial coin offerings and their regulatory treatment.
Name:FinTech Lending
Description:This module will introduce you to the various types of FinTech lending models and the regulatory treatment of these lenders. You will learn how many FinTech lenders are partnering with regulated banks to get around the state-by-state restrictions that apply to non-bank lenders.
Name:Banking Regulation in the U.S.
Description:Many FinTech firms are interested in becoming regulated banks. This module will teach you about the process of becoming a bank and the government agencies responsible for regulating banks in the U.S. We will look at the Office of the Comptroller of the Currency’s proposal to grant a new type of bank charter specifically for FinTech firms and the options currently available to FinTech firms that would like to become a bank.
Name:FinTech Payments, Wealth Management, and Account Aggregation
Description:The final module begins with an overview of the legal framework applicable to legacy payment systems in the U.S., followed by a review of how some FinTech firms are building on top of these systems to provide faster, more convenient, consumer payments while other FinTech firms are bypassing these systems all together by utilizing distributed ledger technology. From there we examine new technologies being deployed in the wealth management industry, including the use by some firms of “robo-advisors” to allocate investors’ portfolios using algorithms based on the investors’ data and risk preferences. You will see that robo-advisors are subject to the same oversight as traditional investment advisers. The module concludes by exploring the legal issues surrounding FinTech companies that allow consumers to aggregate the information from their various financial accounts.
Being a successful FinTech firm requires more than just great technology; it also requires an understanding of the laws and regulations applicable to your business. This course will provide you with that understanding. You will learn about the critical legal, regulatory, and policy issues associated with cryptocurrencies, initial coin offerings, online lending, new payments and wealth management technologies, and financial account aggregators. In addition, you will learn how regulatory agencies in the U.S. are continually adjusting to the emergence of new financial technologies and how one specific agency has proposed a path for FinTech firms to become regulated banks. You will also learn the basics of how banks are regulated in the U.S. If you are unfamiliar with how these new financial technologies work, fear not. We will begin each new course section with a high-level overview of the underlying technology. While the course is principally focused on the U.S. FinTech industry, we cannot possibly cover every relevant legal and regulatory issue. Therefore, this course should not be construed as legal advice. Rather, the goal of the course is to familiarize you with the key legal and regulatory challenges FinTech firms in various sectors face, as well as the critical policy debates that are occurring in Washington D.C. and state capitals across the country.
