{"id":40964,"date":"2022-11-04T18:45:31","date_gmt":"2022-11-04T18:45:31","guid":{"rendered":"https:\/\/www.sisinternational.com\/?page_id=40964"},"modified":"2025-10-01T22:35:55","modified_gmt":"2025-10-02T02:35:55","slug":"%e7%9b%91%e7%ae%a1%e7%a7%91%e6%8a%80-%e7%9b%91%e7%ae%a1%e6%8a%80%e6%9c%af","status":"publish","type":"page","link":"https:\/\/www.sisinternational.com\/zh\/expertise\/industries\/regtech-regulatory-technology\/","title":{"rendered":"RegTech \u2013 \u76d1\u7ba1\u6280\u672f"},"content":{"rendered":"

RegTech \u2013 \u76d1\u7ba1\u6280\u672f<\/h1>\n\n\n\n
\"SIS<\/figure>\n\n\n\n
\n\n\n\n

\u201c\u76d1\u7ba1\u79d1\u6280\u201d\u88ab\u79f0\u4e3a\u201c\u65b0\u91d1\u878d\u79d1\u6280\u201d\uff0c\u5b83\u4ece\u9ed8\u9ed8\u65e0\u95fb\u8fc5\u901f\u5d1b\u8d77\u4e3a\u5907\u53d7\u77a9\u76ee\u7684\u79d1\u6280\u3002\u76d1\u7ba1\u79d1\u6280\u51e0\u4e4e\u5c31\u662f\u5b83\u7684\u540d\u5b57\uff08\u542c\u8d77\u6765\u53ef\u80fd\u8fc7\u4e8e\u7b80\u5355\uff09\u3002\u5b83\u662f\u5229\u7528\u65b0\u6280\u672f\u6765\u5b9e\u73b0\u76d1\u7ba1\u8981\u6c42\u3002\u8fd9\u79cd\u6280\u672f\u4e0e\u76d1\u7ba1\u7684\u7ed3\u5408\u5e76\u4e0d\u662f\u4ec0\u4e48\u65b0\u9c9c\u4e8b\u3002\u4f46\u968f\u7740\u76d1\u7ba1\u6c34\u5e73\u7684\u63d0\u9ad8\u4ee5\u53ca\u5bf9\u6570\u636e\u548c\u62a5\u544a\u7684\u5173\u6ce8\u5ea6\u4e0d\u65ad\u63d0\u9ad8\uff0c\u5b83\u53d8\u5f97\u8d8a\u6765\u8d8a\u91cd\u8981\u3002<\/p>\n\n\n\n

\u5bf9\u76d1\u7ba1\u79d1\u6280\u7684\u6295\u8d44\u589e\u52a0\u662f\u56e0\u4e3a\u516c\u53f8\u5fc5\u987b\u5e94\u5bf9 2012 \u5e74\u751f\u6548\u7684\u8d8a\u6765\u8d8a\u591a\u7684\u76d1\u7ba1\u89c4\u5b9a\u3002\u8fd9\u4e9b\u76d1\u7ba1\u89c4\u5b9a\u5305\u62ec\u300a\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\u300b\u3001\u300a\u53cd\u6d17\u94b1\u300b\u3001\u300a\u5df4\u585e\u5c14\u534f\u8bae III\u300b\u3001\u300a\u7b2c\u4e8c\u90e8\u91d1\u878d\u5de5\u5177\u5e02\u573a\u6307\u4ee4\u300b\uff08MiFID II\uff09\u548c\u7b2c\u4e8c\u90e8\u652f\u4ed8\u670d\u52a1\u6307\u4ee4\uff08PSD2\uff09\u3002<\/p>\n\n\n\n

\u76d1\u7ba1\u79d1\u6280\u673a\u9047<\/h2>\n\n\n\n

\u516c\u53f8\u6b63\u5728\u6539\u8fdb\u5176\u76d1\u7ba1\u79d1\u6280\u5e94\u7528\u548c\u7cfb\u7edf\uff0c\u4ee5\u4fbf\u80fd\u591f\u505a\u66f4\u591a\u4e8b\u60c5\u3002\u4ed6\u4eec\u6b63\u5728\u6539\u8fdb\u73b0\u6709\u5de5\u5177\uff0c\u4ece\u800c\u5728\u6570\u636e\u7ba1\u7406\u548c\u81ea\u52a8\u5316\u65b9\u9762\u53d6\u5f97\u91cd\u5927\u8fdb\u5c55\u3002\u8fd9\u4e9b\u6539\u8fdb\u4e3a\u8d44\u4ea7\u7ba1\u7406\u516c\u53f8\u6240\u6709\u540e\u53f0\u804c\u80fd\u4ee5\u53ca\u8d8a\u6765\u8d8a\u591a\u7684\u4e2d\u53f0\u6d41\u7a0b\u5e26\u6765\u4e86\u7a81\u7834\u6027\u6539\u8fdb\u3002<\/p>\n\n\n\n

\u4e13\u5bb6\u4e00\u81f4\u8ba4\u4e3a\uff0c\u76d1\u7ba1\u79d1\u6280\u5c06\u5728\u4ea4\u6613\u8d26\u7c3f\u57fa\u672c\u5ba1\u67e5 (FRTB) \u4e2d\u53d1\u6325\u91cd\u8981\u4f5c\u7528\u3002\u5b83\u5c06\u5e2e\u52a9\u516c\u53f8\u627e\u5230\u66f4\u660e\u667a\u7684\u65b9\u6cd5\u6765\u5e94\u5bf9\u76d1\u7ba1\u6311\u6218\u3002\u76d1\u7ba1\u79d1\u6280\u8fd8\u8868\u660e\uff0c\u5b83\u7b26\u5408\u4e86\u89e3\u5ba2\u6237\u76d1\u7ba1\u62a5\u544a (KYC) \u548c\u901a\u7528\u6570\u636e\u4fdd\u62a4\u6761\u4f8b (GDPR)\u3002<\/p>\n\n\n\n

\u76ee\u524d\u5728\u98ce\u9669\u7ba1\u7406\u548c\u76d1\u7ba1\u79d1\u6280\u65b9\u9762\u6700\u6709\u524d\u666f\u7684\u6280\u672f\u53ef\u5206\u4e3a\u4ee5\u4e0b\u51e0\u7c7b\uff1a<\/h3>\n\n\n\n
    \n
  • \u6570\u636e\u5206\u6790\u2014\u2014\u68c0\u67e5\u5927\u91cf\u975e\u7ed3\u6784\u5316\u548c\u7ed3\u6784\u5316\u6570\u636e\u4ee5\u68c0\u6d4b\u6a21\u5f0f\u5e76\u63d0\u4f9b\u4e1a\u52a1\u6d1e\u5bdf<\/li>\n\n\n\n
  • \u4eba\u5de5\u667a\u80fd\u4e0e\u8ba4\u77e5\u9648\u8ff0\u2014\u2014\u6355\u6349\u548c\u5e94\u7528\u4eba\u7c7b\u77e5\u8bc6\u548c\u7ecf\u9a8c\u7684\u80fd\u529b<\/li>\n\n\n\n
  • \u673a\u5668\u5b66\u4e60\u2014\u2014\u901a\u8fc7\u4ed4\u7ec6\u5ba1\u67e5\u5927\u91cf\u6570\u636e\u96c6\u6765\u63a8\u65ad\u4e1a\u52a1\u89c4\u5219\u3002<\/li>\n<\/ul>\n\n\n\n

    \u76d1\u7ba1\u79d1\u6280\u6311\u6218<\/h2>\n\n\n\n

    \u65b0\u5174\u76d1\u7ba1\u79d1\u6280\u516c\u53f8\u9762\u4e34\u7740\u8bf8\u591a\u6311\u6218\uff0c\u4f8b\u5982\u6570\u636e\u63d0\u4f9b\u5546\u4e0d\u613f\u9075\u5b88\u89c4\u5b9a\uff0c\u4ee5\u53ca\u6765\u81ea\u5927\u578b\u54a8\u8be2\u516c\u53f8\u7684\u7ade\u4e89\u3002\u8bb8\u591a\u76d1\u7ba1\u79d1\u6280\u516c\u53f8\u53d1\u5c55\u8fc5\u901f\uff0c\u800c\u4e14\u5b83\u4eec\u66f4\u5177\u6210\u672c\u6548\u76ca\u3001\u66f4\u7075\u6d3b\uff0c\u80fd\u591f\u66f4\u8f7b\u677e\u5730\u8c03\u6574\u548c\u63a8\u52a8\u5e2d\u5377\u6574\u4e2a\u884c\u4e1a\u7684\u521b\u65b0\uff0c\u8fd9\u4f7f\u5f97\u5b83\u4eec\u5f88\u6709\u53ef\u80fd\u5e94\u5bf9\u8fd9\u4e9b\u6311\u6218\u3002<\/p>\n\n\n\n

    \u91c7\u7528\u65b0\u89e3\u51b3\u65b9\u6848\u548c\u6280\u672f\u5b58\u5728\u5de8\u5927\u969c\u788d\uff0c\u56e0\u4e3a\u6570\u636e\u7684\u4fdd\u5bc6\u6027\u9ad8\u4e8e\u76d1\u7ba1\u62a5\u544a\u3002\u91d1\u878d\u673a\u6784\u5728\u91c7\u7528\u4efb\u4f55\u5408\u89c4\u89e3\u51b3\u65b9\u6848\u4e4b\u524d\uff0c\u5fc5\u987b\u4f18\u5148\u4fdd\u62a4\u5ba2\u6237\u6570\u636e\u7684\u9690\u79c1\u3002\u6311\u6218\u5728\u4e8e\u786e\u4fdd\u6cd5\u89c4\u5728\u4fdd\u62a4\u9690\u79c1\u548c\u5b89\u5168\u4e0e\u6709\u6548\u4f7f\u7528\u6570\u636e\u4e4b\u95f4\u53d6\u5f97\u9002\u5f53\u7684\u5e73\u8861\u3002<\/p>\n\n\n\n

    \u6cd5\u89c4\u7684\u5c42\u7ea7\u7ed3\u6784\u5e26\u6765\u4e86\u53e6\u4e00\u4e2a\u6311\u6218\u3002\u6cd5\u89c4\u9519\u7efc\u590d\u6742\u3001\u5404\u5f0f\u5404\u6837\uff0c\u800c\u4e14\u6d89\u53ca\u591a\u4e2a\u5b66\u79d1\u3002\u67d0\u4e9b\u6cd5\u89c4\u4ec5\u9002\u7528\u4e8e\u56fd\u5bb6\u9700\u6c42\u3002\u53e6\u4e00\u4e2a\u6311\u6218\u662f\u76d1\u7ba1\u673a\u6784\u4e4b\u95f4\u7f3a\u4e4f\u660e\u786e\u7684\u89e3\u51b3\u65b9\u6848\uff0c\u65e0\u6cd5\u786e\u5b9a\u5e94\u91c7\u7528\u54ea\u4e9b\u6b63\u786e\u7684\u89e3\u51b3\u65b9\u6848\u548c\u6807\u51c6\u3002\u8fd9\u662f\u4e00\u4e2a\u6311\u6218\uff0c\u56e0\u4e3a\u5b83\u5f80\u5f80\u4f1a\u9020\u6210\u4e0d\u786e\u5b9a\u6027\u3002<\/p>\n\n\n\n

    \u5e02\u573a\u7814\u7a76\u5982\u4f55\u63d0\u4f9b\u5e2e\u52a9<\/h2>\n\n\n\n

    \u76d1\u7ba1\u79d1\u6280\u5e02\u573a\u89c4\u6a21\u5de8\u5927\u3002\u5e02\u573a\u7814\u7a76\u5f88\u91cd\u8981\uff0c\u56e0\u4e3a\u91d1\u878d\u4e1a\u53c2\u4e0e\u8005\u5e0c\u671b\u7528\u66f4\u5c11\u7684\u94b1\u4ece\u6280\u672f\u4e2d\u83b7\u5f97\u66f4\u591a\u4ef7\u503c\u3002\u5e02\u573a\u7814\u7a76\u4eba\u5458\u53ef\u4ee5\u5728\u884c\u4e1a\u4e2d\u5bfb\u627e\u53ef\u4ee5\u5e94\u7528\u4e8e\u94f6\u884c\u548c\u5176\u4ed6\u91d1\u878d\u673a\u6784\u76d1\u7ba1\u57fa\u7840\u8bbe\u65bd\u7684\u65b0\u6280\u672f\u3002\u4ed6\u4eec\u53ef\u4ee5\u770b\u770b\u54ea\u4e9b\u76d1\u7ba1\u79d1\u6280\u89e3\u51b3\u65b9\u6848\u53ef\u4ee5\u4e3a\u8d1f\u62c5\u8fc7\u91cd\u7684\u516c\u53f8\u63d0\u4f9b\u6700\u4f73\u65b9\u5f0f\uff0c\u4ee5\u66f4\u5feb\u3001\u66f4\u597d\u3001\u66f4\u5b89\u5168\u3001\u66f4\u4fbf\u5b9c\u7684\u65b9\u5f0f\u5411\u76d1\u7ba1\u673a\u6784\u63d0\u4f9b\u4ed6\u4eec\u6240\u9700\u7684\u6570\u636e\u3002<\/p>\n\n\n\n

    RegTech \u6709\u53ef\u80fd\u901a\u8fc7\u4eba\u5de5\u667a\u80fd\u8fc7\u6ee4\u5668\u548c\u6df1\u5ea6\u5b66\u4e60\u63d0\u4f9b\u8fd1\u4e4e\u5b9e\u65f6\u7684\u6d1e\u5bdf\u3002\u5b83\u53ef\u4ee5\u63d0\u524d\u76d1\u63a7\u5bb9\u91cf\u5e76\u68c0\u6d4b\u6545\u969c\uff0c\u800c\u4e0d\u5fc5\u8ba9\u5ba2\u6237\u4e8b\u540e\u91c7\u53d6\u5f3a\u5236\u63aa\u65bd\u3002RegTech \u5e02\u573a\u6f5c\u529b\u5de8\u5927\uff0c\u4f46\u5b83\u4ecd\u5904\u4e8e\u65e9\u671f\u9636\u6bb5\uff0c\u5f88\u5c11\u6709\u8bb0\u5f55\u5728\u6848\u7684\u6848\u4f8b\u7814\u7a76\u6765\u663e\u793a\u5176\u6295\u8d44\u56de\u62a5\u3002<\/p>\n\n\n\n

    RegTech \u5c06\u7ee7\u7eed\u5de9\u56fa\u5176\u8fc4\u4eca\u53d6\u5f97\u7684\u6210\u679c\u3002\u8fd9\u79cd\u589e\u957f\u5c06\u6765\u81ea\u4e3a\u6ee1\u8db3\u91d1\u878d\u670d\u52a1\u884c\u4e1a\u5185\u5916\u53d7\u76d1\u7ba1\u516c\u53f8\u7684\u7279\u5b9a\u9700\u6c42\u800c\u5f00\u53d1\u7684\u65b0\u5de5\u5177\u3002\u53ef\u4ee5\u80af\u5b9a\u5730\u8bf4\uff0c\u4fdd\u9669\u4e1a\u5c06\u53d7\u5230\u7279\u522b\u5173\u6ce8\u3002\u73b0\u6709\u91d1\u878d\u673a\u6784\u548c\u4e0b\u4e00\u4ee3\u6280\u672f\u63d0\u4f9b\u5546\u4e4b\u95f4\u5c06\u5efa\u7acb\u66f4\u591a\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\uff0c\u4ee5\u652f\u6301\u66f4\u5927\u521b\u65b0\u7684\u73af\u5883\uff0c\u8fd9\u5c06\u5728\u672a\u6765\u51e0\u5e74\u5185\u5e26\u6765\u66f4\u5927\u7684\u589e\u957f\u3002<\/p>\n\n\n\n

    <\/p>","protected":false},"excerpt":{"rendered":"

    RegTech \u662f\u5229\u7528\u65b0\u6280\u672f\u6765\u6ee1\u8db3\u76d1\u7ba1\u8981\u6c42\u3002\u968f\u7740\u76d1\u7ba1\u6c34\u5e73\u7684\u63d0\u9ad8\u4ee5\u53ca\u5bf9\u6570\u636e\u548c\u62a5\u544a\u7684\u5173\u6ce8\u5ea6\u7684\u63d0\u9ad8\uff0c\u8fd9\u79cd\u6280\u672f\u7ed3\u5408\u53d8\u5f97\u8d8a\u6765\u8d8a\u91cd\u8981\u3002<\/p>","protected":false},"author":1,"featured_media":64865,"parent":15069,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-40964","page","type-page","status-publish","has-post-thumbnail"],"_links":{"self":[{"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/pages\/40964","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/comments?post=40964"}],"version-history":[{"count":4,"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/pages\/40964\/revisions"}],"predecessor-version":[{"id":70507,"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/pages\/40964\/revisions\/70507"}],"up":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/pages\/15069"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/media\/64865"}],"wp:attachment":[{"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/media?parent=40964"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}