最新supporting responsible innovation in the federal banking system an occ perspective支持在联邦Word格式.docx

1、和复合索引文件，复合索引文件又分为?和?。16. RSDA.DBF表中“婚否”字段为逻辑型，则显示所有已婚记录的命令为?ENDDO三、名词解释7、B类IP地址的范围是_128.0.0.0-191.255.255.255_。b=subs（num,2,1）19. 每个对象都可以对一个被称为事件的动作进行识别和响应。下面关于事件的描述中，错误的是_。case t=0 and t9Supporting Responsible Innovation in the Federal Banking System:An OCC PerspectivePreface by the Comptroller of

2、the CurrencyInnovation has been a hallmark of the national banking system since its founding in 1863 by President Lincoln. That innovative spirit has been especially evident in recent decades as national banks and federal savings associations have led the way in developing and adapting products, ser

3、vices, and technology to meet the changing needs of their customers.While banks continue to innovate, rapid and dramatic advances in financial technology （fintech） are beginning to disrupt the way traditional banks do business. As the prudential regulator of the federal banking system, we want natio

4、nal banks and federal savings associations to thrive in this environment and to continue fulfilling their vital role of providing financial services to consumers, businesses, and their communities.Comptroller of the CurrencyThomas J. CurryOur diverse system of banks has many advantages in developing

5、 and adapting financial innovations. Federally chartered institutions have stable funding sources, capital, and extensive customer relationships. They also have a long history of risk management that has led to enhanced information security capabilities, mature credit modeling and underwriting proce

6、sses, and complianceprograms that help protect consumers. These capabilities lay a foundation for innovation in the21st century, and are major reasons the federal banking system still serves as a source of strength for the nation after 153 years.At the Office of the Comptroller of the Currency （OCC）

7、, we are making certain that institutions with federal charters have a regulatory framework that is receptive to responsible innovation along with the supervision that supports it.Innovation holds much promise. Technology, for example, can promote financial inclusion by expanding services to theunde

8、rserved. It can provide more control and better tools for families At the OCC, we are makingto save, borrow, and manage their financial affairs. It can helpcompanies and institutions scale operations efficiently to compete in certain that institutions withthe marketplace, and it can make business an

9、d consumer transactions federal charters have afaster and safer.regulatory framework that isInnovation is not free from risk, but when managed appropriately, receptive to responsiblerisk should not impede progress. Indeed, effective risk managementis essential to responsible innovation. Banks and re

10、gulators must innovation along with thestrike the right balance between risk and innovation. supervision that supports it.This paper describes the OCCs vision for responsible innovation in Comptroller of the Currencythe federal banking system and discusses the principles that willguide the developme

11、nt of our framework for evaluating new and innovative financial products and services. We welcome your feedback.OCC Innovation InitiativeIn August 2015, Comptroller of the Currency Thomas J. Curry announced an initiative to develop a comprehensive framework to improve the OCCs ability to identify an

12、d understand trends and innovations in the financial services industry, as well as the evolving needs of consumers of financial services.1 This framework is intended to improve how the OCC evaluates innovative products, services, and processes that require regulatory approval and identifies potentia

13、l risks associated with them. Even when approval of an innovation is not necessary, enhancing the agencys understanding will enable it to be a more effective resource to institutions, particularly community banks and thrifts, interested in innovation. The framework also will help clarify lines of co

14、mmunication between the agency and the industry regarding emerging technology and new products, services, and processes.As part of that initiative, the OCC formed a team of policy experts, examiners, lawyers, and other agency staff members to gain a better understanding of emerging technology and ne

15、w approaches in financial services and then use that information to design the OCCs framework for evaluating financial innovation. To obtain a broad perspective, the team met with a variety of groups to discuss the changes in the financial services industry and the opportunities and challenges for banks to participate fully in this evolving landscape. These discussions included bankers from community, midsize, and large banks; innovators in various fields; consumer groups; academics; other regulators;