2023 年监管科技现状报告（英）

STATEOFSUPTECHREPORT2023 ABOUTTHE TheCambridgeSupTechLabacceleratesthedigitaltransformationoffinancialsupervisiontofosterresilient,transparent,accountable,sustainable,andinclusivefinancialsectors. TheLabcatalysestheintegrationofinnovativetechnologiesanddatascienceintosupervisoryprocessestomeetbothenduringandemergingchallengesintherapidlychangingfinanciallandscape.ThroughtheLab,financialauthoritieshavechampionedtheadoptionofadvancedsuptechsolutionstoaddresspressingissuessuchasfinancialcrime,fraud,exclusion,climatechangeenablers,consumerprotection,andartificialintelligencebiases. Ourglobal,multidisciplinaryteamhaspartneredwithfinancialauthorities’executives,supervisors,anddatascientiststocraftsolutionsthroughouttheentireinnovationlifecycle,fromdatagovernancetoAI-poweredstrategies,fromthedrawingboardtofull-scaledeploymentandexpansionofcutting-edgesuptechapplications. TheLabisaninitiativeoftheCambridgeCentreforAlternativeFinance(CCAF)attheUniversityofCambridgeJudgeBusinessSchool. Weinviteyoutofindoutmoreat www.cambridgesuptechlab.org @CambridgeSupTechLab 2|STATEoFSuPTEcHREPoRT2023 SUGGESTEDCITATION CambridgeSupTechLab(2023),StateofSupTechReport2023,Cambridge:UniversityofCambridge.Availableatwww.cambridgesuptechlab.org/SOS. Thementionofspecificcompanies,manufacturersorsoftwaredoesnotimplythattheyareendorsedorrecommendedbytheCambridgeSuptechLabinpreferencetoothersofasimilarnaturethatarenotmentioned. Allgraphicsandchartscanbedownloadedatwww.cambridgesuptechlab.org/SOS ©CAMBRIDGESUPTECHLAB AUTHORS SimonediCastriMattGrasserJulietOngwae CONTRIBUTORS KyriakosChristofi,SamirKiuhan-Vásquez,NathalieLenehan,JoseMiguelMestanza,AbhishekRana,AdrianaSenior,LeslyeSihuay,andYueWucontributedtothedesignofthesurvey,analysisofthedataset,researchforthecasestudies,andreviewofthecontent. DESIGN DaynaDonovan TheCambridgeSupTechLabissupportedby cAmbRidgESUPTECHLAB|3 TABLEOFCONTENTS EXECUTIvESUmmARy.6 1.INTROdUCTION.10 1.1.Suptechisajourney,notanevent11 1.2.2023:Suptechadvancementsinavolatileyear12 1.3.Advancementsinthesuptechecosystem:ContributionsbytheCambridgeSupTechLab14 2.SURvEy.SCOPE,ANdMETHOdOLOgy.16 2.1.Definitionofsuptech.17 2.2.Surveysample.17 2.3.Suptechtaxonomy19 2.4.SuptechGenerations20 3.STATEOFSUPTECH.21 3.1.Suptechadoption.22 3.2.Adoptionacrosssupervisoryareas27 3.3.Thetechinsuptech.40 3.3.1.TheDataStackandtheSupTechTaxonomy40 3.3.2.Datacollection.43 3.3.3.Datavalidationandprocessing.48 3.3.4.Datastorageandgovernance.52 3.3.5.Dataaccessandanalysis56 3.3.6.Dataproducts58 3.3.7.Digitalsupervisoryinfrastructure.59 3.3.8.TransformationthroughthelensofSupTechGenerations62 3.4.Strategicadaptationandcapacitybuildingtosteerfinancialsupervisionthroughdigitaltransformation.66 3.4.1.Datastrategies66 3.4.2.AIstrategies70 3.4.3.Suptechstrategies72 3.4.4.Theevolvingmandateoffinancialauthorities76 3.4.5.Developingcapabilitiestodigitallytransform.77 3.5.Suptechsolutionslifecycle.84 3.6.Suptechchallengesandrisks97 4|STATEoFSuPTEcHREPoRT2023 4.CASESTUdIES.103 4.1.Consumerprotectionandmarketconductsupervision:theCambridgeSupTechLab’sLaunchpad2023solutions104 4.1.1.Financialconsumerprotectionsuitewithwebscraperandmachinelearning-basedanalysisforPhillippinesCentralBank (BSP)andSecuritiesandExchangeCommission(SEC).106 4.1.2.Next-generationAI-poweredchatbotsupportedcomplaintsmanagementsystemforBankofGhana(BOG)andthe IndonesianFinancialServicesAuthority(OJK).111 4.1.3.FinancialmarketmonitoringviasocialmediaandwebextractionfortheSuperintendenceofBanking,InsuranceandPrivatePensionFunds AdministratorsofPeru(SBS).114 4.2.Prudentialsupervisionofbanksandnon-bankdeposittakinginstitutions: AthenatransformingEuropeanCentralBank(ECB)’ssurveycapabilities withAI.117 4.3.AML/CFT/CPFsupervision:TheHongKongMonetaryAuthority(HKMA)networkanalytics120 4.4.Paymentsoversight:PaymentsCanadadigitaltwinforintradayliquiditysimulatedscenarios123 4.5.Capitalmarket,securites,andinvestmentinstrumentssupervision:ShanghaiExchange’s(SSE)fourth-generationtradingsupervisionsystem.125 4.6.Cyberrisksupervision:TheBangkoSentralngPilipinas(BSP)strengtheningtheindustry’scybersecurityusingAdvancedsuptechEngineforRisk-BasedCompliance(ASTERisC*).128 4.7.Climate/ESGriskssupervision:TheMonetaryAuthorityofSingapore(MAS)transformingESGdatacollectionthroughProjectGreenprint130 4.8.Insurancesupervision:NationalAssociationofInsuranceCommissioners(NAIC)riskdashboardstoanalyseandvisualisesolvencyrisks134 4.9.Multiplesupervisoryareas:FederalReserveSystem(FRS)NLP-LEXfortextanalysisandtextsummarisation.135 5.CONCLUSIONS.138 6.APPENdIX144 Appendix1:Listofrespondents145 Appendix2:SupTechTaxonomy:Supervisoryareas149 Appendix3:SupTechTaxonomy:SupervisoryDataStack155 Appendix4:Definitions.157 cAmbRidgESUPTECHLAB|5 EXECUTIVESUMMARY 6|STATEoFSuPTEcHREPoRT2023 THECAmbRidgESuPTEcHLAb STATEoFSuPTEcHREPoRT2023PRESEnTSinSigHTSonTHEEVOLUTIONoFTHE digiTAlTRAnSFoRmATionoFFinAnciAlSuPERViSionwoRldwidE. TheReportprovidesaglobalsnapshotacrossseveralfacetsofsupervisorytechnology(suptech),includingunderp