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2019年亚太金融服务监管展望
Trust, Technology, and Transformation
信任、技术和变革
Asia-Pacific continues to be a dynamic growth region, marked by world-leading innovation in financial services, continued strong GDP growth, and rapidly increasing financial inclusion. In 2019, we expect that regulators in Asia-Pacific will be keenly focused on locally implementing the final post-crisis reforms, embracing challenges to the status quo, and harnessing the dynamism of the Asia-Pacific region to transform financial services.
亚太地区继续是一个充满活力的增长区域，其特点是金融服务创新全球领先，国内生产总值持续强劲增长，金融包容性迅速增强。2019年，我们预计亚太地区的监管机构将集中精力在本地实施危机后的最终改革，迎接现状挑战，并利用亚太地区的活力改造金融服务。
This report explores nine themes that the Deloitte Centre for Regulatory Strategy expects to dominate the financial services regulatory agenda in the region over the coming year. Whilst the significance of each of these nine themes will vary across different jurisdictions, industry sectors and institutions, we consider all areas identified to be relevant to financial services firms operating in Asia Pacific to some degree.
这份报告探讨了德勤监管战略中心（deloittecenterforregulatory Strategy）预计将在未来一年主导该地区金融服务监管议程的九个主题。虽然这九个主题的重要性在不同的司法管辖区、行业部门和机构中各不相同，但我们认为所有确定的领域在某种程度上都与在亚太地区运营的金融服务公司相关。
The “how and when” of locally implementing FRTB, IRBB, RRPs, and TLAC as well as finding benchmark replacements will bear watching in 2019. The results of the recent Australian Royal Commission and the follow-up to last year’s swath of personal accountability regimes will mean many regional supervisors expect firms to fully embrace managing culture and governance. Financial crime and cyber risk are areas where a holistic approach to risk governance will be critical, while Asia-Pacific regulators are shifting towards a dynamic supervisory model. Finally, we expect both regulators and firms to see emerging technologies, new open banking models, robust privacy and cyber risk management less as challenges to be overcome but rather as a growing capacity to be harnessed to give the Asia-Pacific region a competitive edge on the global stage.
2019年，本地实施FRTB、IRBB、RRPs和TLAC以及寻找基准替代品的“方式和时间”将值得关注。澳大利亚皇家委员会（Australian Royal Commission）最近的调查结果以及去年一系列个人责任制的后续行动，将意味着许多地区监管机构希望企业能够全面接受管理文化和治理。金融犯罪和网络风险是风险治理整体方法至关重要的领域，而亚太地区监管机构正转向动态监管模式。最后，我们希望监管者和公司都能看到新兴技术、新的开放银行模式、稳健的隐私和网络风险管理，而不是将其视为需要克服的挑战，而是将其视为一种不断增长的能力，以使亚太地区在全球舞台上具有竞争优势。
Our 2019 Outlook takes stock of these developments, looking at what we see as the top nine issues over the next year, going beyond the detail to provide context, implications, and insights into managing these risks.
我们的2019年展望对这些发展进行了评估，着眼于我们认为的未来一年的前九大问题，超越细节，为管理这些风险提供背景、影响和见解。
deloitte-au-fs-apac-regulatory-outlook-2019-140119.pdf
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