Bankenaufsicht 4.0: Bank of England

Von Ralf Keuper

Vor gut anderthalb Jahren formulierte BaFin-Chef Felix Hufeld in einer Rede einige Thesen zur Zukunft der Bankenaufsicht (Vgl. dazu: Bankenaufsicht: Blickverschiebung von den Banken hin zu digitalen Plattformen und zur Blockchain).

Eine These:

Wir wissen heute noch nicht genau, wen wir eigentlich künftig beaufsichtigen werden. Menschen, Maschinen oder Infrastrukturen?

So weit ist die Bank of England mit ihren Überlegungen wohl noch nicht. Gleichwohl sieht man auch dort die Notwendigkeit, das Reporting den neuen Umständen, d.h. der fortschreitenden Digitalisierung anzupassen. In dem Diskussionspapier Transforming data collection from the UK financial sector spielt die BoE einige Alternativen für die Modernisierung des Reporting durch. Wesentlicher Punkt ist dabei die Abkehr vom Push- hin zum Pull/On Demand-Prinzip.

One model, as adopted by Rwanda .. involves a move from firms submitting data using a ‘push’ mechanism, to authorities requesting data from firms using a ‘pull’ mechanism. For instance, firms could make their data available via an API. The Bank and other relevant authorities could connect to the API and request data. For this to be manageable for the authorities, it would need to be built on some form of common input layer, .. . As discussed there, that might limit what kinds of data could be held ready in standardised form in order to be pulled.

Eine weitere Neuerung wäre die Einführung eines zentralen Service Providers für das Reporting:

A central service provider could play a variety of possible roles. For instance, they could transform firm source data into the data needed for reports; or they could actually convert the data into the required reports. The service provider could play a similar role to solution vendors today, but service the whole industry rather than individual firms. The service provider could centralise just a part of the process. For instance, they might only centralise the interpretation of reporting instructions. Alternatively, individual firms could map from their source data to an input layer in a central utility, which could then transform the data and provide reports to the Bank – .. . This approach could also be combined with an API, to allow the Bank and other authorities to pull data from the utility as required.

Selber will die BoE die Rolle des Service Providers jedoch nicht ausfüllen:

Such a role would also pose significant reputational risks to the Bank’s wider objectives, for example in case of a security breach. There could be issues around firms losing sight of how their data were being used, posing challenges for data quality assurance. This approach would again not be acceptable for reports that evidence a firm’s compliance with regulatory requirements, such as capital ratios. For such reports, the Bank will continue to need to be able to hold a firm accountable for its calculations

Alles in allem scheint die BaFin in ihren Überlegungen weiter zu sein.

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