Viens regulators visiem? Aicin\u0101jums uz diskusiju par ‘fintech’ uz\u0146\u0113mumu uzraudz\u012bbu<\/p>\n
Priek\u0161likums nodot nebanku pat\u0113ri\u0146a kredit\u0113t\u0101ju un \u201cfintech\u201d uz\u0146\u0113mumu uzraudz\u012bbu no Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra (PTAC) Latvijas Bankai tiek pasniegts k\u0101 nepiecie\u0161ams solis regul\u0113juma efektivit\u0101tes uzlabo\u0161anai un vienotas uzraudz\u012bbas nodro\u0161in\u0101\u0161anai. Tom\u0113r \u0161\u012b iecere izsaukusi asas diskusijas un ba\u017eas nozar\u0113, kas br\u012bdina, ka banku tipa uzraudz\u012bbas piem\u0113ro\u0161ana \u201cfintech\u201d uz\u0146\u0113mumiem var\u0113tu v\u0101jin\u0101t konkurenci, apsl\u0101p\u0113t inov\u0101cijas un galu gal\u0101 kait\u0113t pat\u0113r\u0113t\u0101jiem. K\u0101 inform\u0113 port\u0101ls jauns.lv, \u0161\u012b reforma atspogu\u013co fundament\u0101lu regulat\u012bvu p\u0101rpratumu.<\/p>\n
Bankas un ‘fintech’: divas at\u0161\u0137ir\u012bgas pasaules<\/p>\n
B\u016btisk\u0101k\u0101 at\u0161\u0137ir\u012bba starp bank\u0101m un \u201cfintech\u201d uz\u0146\u0113mumiem sl\u0113pjas to darb\u012bbas mode\u013cos. Bankas ir sist\u0113miski noz\u012bm\u012bgas instit\u016bcijas, kas p\u0101rvalda sabiedr\u012bbas noguld\u012bjumus un ietekm\u0113 finan\u0161u stabilit\u0101ti, darbojoties stingra prudenci\u0101l\u0101 regul\u0113juma ietvaros. Savuk\u0101rt \u201cfintech\u201d uz\u0146\u0113mumi un nebanku aizdev\u0113ji nepie\u0146em noguld\u012bjumus un nerada sist\u0113miskus draudus. Vi\u0146i konkur\u0113 galvenok\u0101rt ar inov\u0101cij\u0101m, \u0101trumu un klientu orient\u0113tiem risin\u0101jumiem. Piel\u012bdzin\u0101t \u0161os divus mode\u013cus, it k\u0101 tie b\u016btu ekvivalenti, ignor\u0113 fundament\u0101las struktur\u0101las at\u0161\u0137ir\u012bbas, radot potenci\u0101lus krop\u013cojumus regul\u0113jum\u0101.<\/p>\n
Banku regul\u0113jums k\u0101 konkurences barjera<\/p>\n
\u201cFintech\u201d nozar\u0113 tiek paustas ba\u017eas, ka banku tipa regul\u0113juma uzspie\u0161ana mazajiem un vid\u0113jiem nebanku tirgus dal\u012bbniekiem k\u013c\u016bs par nesam\u0113r\u012bgu slogu. Kapit\u0101la pras\u012bbas, atskai\u0161u snieg\u0161anas pien\u0101kumi un atbilst\u012bbas sist\u0113mas, kas izstr\u0101d\u0101tas liel\u0101m bank\u0101m, var\u0113tu attur\u0113t jaunus sp\u0113l\u0113t\u0101jus no ien\u0101k\u0161anas tirg\u016b, izspiest inovat\u012bvus uz\u0146\u0113mumus un pal\u0113nin\u0101t tehnolo\u0123isko att\u012bst\u012bbu. Prognoz\u0113tais rezult\u0101ts var\u0113tu b\u016bt tirgus konsolid\u0101cija, kas noz\u012bm\u0113tu maz\u0101ku izv\u0113les iesp\u0113ju pat\u0113r\u0113t\u0101jiem un liel\u0101ku varas koncentr\u0101ciju banku rok\u0101s. Tas, kas tiek pasniegts k\u0101 stingr\u0101ka uzraudz\u012bba, praks\u0113 var\u0113tu nostiprin\u0101t eso\u0161o tirgus dominanci.<\/p>\n
Pat\u0113r\u0113t\u0101ju aizsardz\u012bbas fokusa mai\u0146a<\/p>\n
Reformas atbalst\u012bt\u0101ji bie\u017ei nor\u0101da uz uzlabotu pat\u0113r\u0113t\u0101ju aizsardz\u012bbu k\u0101 galveno ieguvumu. Tom\u0113r kriti\u0137i nor\u0101da uz pretrunu: \u0161obr\u012bd nebanku aizdev\u0113jus uzrauga PTAC, kura galvenais uzdevums ir pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bba. Savuk\u0101rt Latvijas Bankas galvenais m\u0113r\u0137is ir finan\u0161u stabilit\u0101te. Uzraudz\u012bbas p\u0101rcel\u0161ana uz Latvijas Banku main\u012btu regulat\u012bvo fokusu no individu\u0101l\u0101 pat\u0113r\u0113t\u0101ja uz sist\u0113misk\u0101m interes\u0113m, potenci\u0101li atst\u0101jot ikdienas pat\u0113r\u0113t\u0101ju probl\u0113mas bez specializ\u0113tas uzman\u012bbas.<\/p>\n
Nozares un regulatoru dialogs<\/p>\n
Janv\u0101r\u012b notika diskusija starp Latvijas Bankas prezidentu M\u0101rti\u0146u Kaz\u0101ku, prezidenta vietnieci Santu Purgaile un \u201cFintech Latvija Asoci\u0101cijas\u201d vad\u012bt\u0101ju T\u012bnu L\u016bsi. Lai gan Finan\u0161u ministrija pl\u0101no janv\u0101r\u012b apstiprin\u0101t PTAC funkciju nodo\u0161anu Latvijas Bankai, tika pan\u0101kta vieno\u0161an\u0101s veidot darba grupas, lai praks\u0113 izv\u0113rt\u0113tu neskaidros p\u0101rmai\u0146u aspektus. Latvijas Bankas p\u0101rst\u0101vji uzsv\u0113ra, ka godpr\u0101t\u012bgiem uz\u0146\u0113mumiem nav pamata satraukumam, jo banku tipa prudenci\u0101l\u0101 uzraudz\u012bba netiks ieviesta. Nozare atzin\u012bgi nov\u0113rt\u0113 skaidr\u012bbu par prudenci\u0101l\u0101s uzraudz\u012bbas nepiem\u0113ro\u0161anu, jo banku un nebanku kredit\u0113t\u0101ju darb\u012bbas mode\u013ci b\u016btiski at\u0161\u0137iras. Lai gan Finan\u0161u ministrija pl\u0101no nodot funkcijas Latvijas Bankai no 2027. gada 1. janv\u0101ra, likumprojektu izstr\u0101de turpin\u0101sies l\u012bdz 2026. gada apr\u012blim.<\/p>\n","protected":false},"excerpt":{"rendered":"Viens regulators visiem? Aicin\u0101jums uz diskusiju par ‘fintech’ uz\u0146\u0113mumu uzraudz\u012bbu Priek\u0161likums nodot nebanku pat\u0113ri\u0146a kredit\u0113t\u0101ju un \u201cfintech\u201d uz\u0146\u0113mumu…\n","protected":false},"author":2,"featured_media":110314,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[23,28,29,32,33,3831,22,7014,30,31,35,39,38,36,37,34,46,40,20,26,27,26052,24,25,26051,21],"class_list":["post-110313","post","type-post","status-publish","format-standard","has-post-thumbnail","category-latvija","tag-aktualitates","tag-breaking-news","tag-breakingnews","tag-featured-news","tag-featurednews","tag-fintech","tag-headlines","tag-konkurence","tag-latest-news","tag-latestnews","tag-latvia","tag-latvian","tag-latviesu","tag-latviesu-valoda","tag-latviesuvaloda","tag-latvija","tag-latvijas-banka","tag-lv","tag-news","tag-popularakas-zinas","tag-popularakaszinas","tag-regulativais-parpratums","tag-top-stories","tag-topstories","tag-uzraudziba","tag-zinas"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115933839560151793","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/110313","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=110313"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/110313\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/110314"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=110313"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=110313"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=110313"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}