海外主流数字金融监管模式的实践

Group 1: Regulatory Frameworks - The United States adopts a strict "categorical regulation" model for digital finance, integrating it into existing regulatory frameworks post the 2008 financial crisis[1] - The UK employs a "twin peaks" regulatory model, balancing innovation and prudence, and has established a regulatory sandbox to support fintech startups[1] - Singapore encourages independent innovation in digital finance, focusing on the development of digital currencies and maintaining a flexible regulatory environment[2] Group 2: Key Regulatory Developments - Following the 2008 financial crisis, the US established the Financial Stability Oversight Council (FSOC) to enhance systemic risk regulation and consumer protection[7] - The UK's Financial Conduct Authority (FCA) created the regulatory sandbox in 2015, which has helped London become a global leader in cryptocurrency, scoring 458.5 in 2022[11] - Singapore's ICO market has raised over $1 billion, making it the second-largest market globally after the US, due to supportive government policies[18]