{"id":4345,"date":"2018-08-22T11:31:40","date_gmt":"2018-08-22T11:31:40","guid":{"rendered":"http:\/\/www.cityfalcon.com\/blog\/?p=4345"},"modified":"2018-08-23T09:47:34","modified_gmt":"2018-08-23T09:47:34","slug":"how-fintech-will-change-financial-markets-from-fundraising-to-settlement-and-regulation","status":"publish","type":"post","link":"https:\/\/www.cityfalcon.ai\/blog\/fr\/investments\/how-fintech-will-change-financial-markets-from-fundraising-to-settlement-and-regulation\/","title":{"rendered":"Comment la FinTech va changer les march\u00e9s financiers, de la collecte de fonds au r\u00e8glement et \u00e0 la r\u00e9glementation"},"content":{"rendered":"

Dans le dernier article, nous avons explor\u00e9 comment les bourses de crypto-monnaie et les bourses traditionnelles <\/span>diff\u00e9rer<\/span><\/a>. Le monde FinTech ne se limite pas \u00e0 la crypto-monnaie, cependant, et de nombreux autres concepts et processus de la finance ont \u00e9t\u00e9 num\u00e9ris\u00e9s et fournis par des entreprises FinTech. <\/span><\/p>\n

Dans cet article, nous nous concentrerons sur la fa\u00e7on dont la FinTech change les march\u00e9s financiers et si les entreprises FinTech seront des perturbateurs ou des collaborateurs. <\/span><\/p>\n

<\/h3>\n

L'introduction en bourse traditionnelle et les pratiques de financement contemporaines<\/strong><\/h3>\n

Traditionnellement, l'introduction en bourse \u00e9tait la fa\u00e7on dont le public avait acc\u00e8s aux capitaux propres d'une entreprise. Un processus long et approfondi, tiss\u00e9 \u00e0 travers diverses soci\u00e9t\u00e9s et organisations, l'introduction en bourse \u00e9tait co\u00fbteuse, longue et limit\u00e9e aux grands investisseurs ayant acc\u00e8s au march\u00e9 primaire. Ces gros investisseurs pourraient jeter leurs actions sur le march\u00e9 secondaire imm\u00e9diatement apr\u00e8s, o\u00f9 tout le monde les rach\u00e8terait, conduisant \u00e0 un profit rapide pour les grands acteurs du march\u00e9 primaire.<\/span><\/p>\n

Dans les ann\u00e9es 2010, un nouveau concept est apparu: l'ICO - Initial Coin Offer. Certains ICO n\u00e9cessitaient encore d'importants investissements initiaux avec des \u00e9quivalents USD de dizaines de milliers de dollars juste pour entrer. Cependant, beaucoup d'autres avaient des seuils d'investissement initiaux bien inf\u00e9rieurs, peut-\u00eatre quelques dizaines d'\u00e9quivalent USD. De nombreux ITO (offres de jetons initiales) ont \u00e9galement suivi ce concept de seuils de faible buy-in, en particulier sur la plate-forme Ethereum.<\/span><\/p>\n

Le nombre d'ICO s'est multipli\u00e9 de fa\u00e7on exponentielle au cours des deux derni\u00e8res ann\u00e9es, et il y a eu des plans d'ICO d'un milliard de dollars (comme celui de Telegram). Cependant, la r\u00e9glementation gouvernementale des ICO est toujours une zone grise et la fa\u00e7on dont la future r\u00e9glementation pourrait les affecter a emp\u00each\u00e9 les grandes entreprises priv\u00e9es de \u00abdevenir publiques\u00bb via l'ICO. <\/span>Enqu\u00eates r\u00e9glementaires<\/span> sont actuellement en cours, aussi, \u00e9loignant certaines entreprises de l'espace jusqu'\u00e0 ce que les implications juridiques soient plus claires.<\/span><\/p>\n

Le financement public est donc un domaine majeur dans lequel la FinTech <\/span>pourrait<\/span><\/i> compl\u00e8tent les \u00e9changes traditionnels, en particulier pour les petites entreprises qui ont besoin de plus petits montants de financement. Mais la question de savoir si les ICO remplaceront les introductions en bourse reste \u00e0 deviner, fortement d\u00e9pendante de la mani\u00e8re dont la r\u00e9glementation \u00e9volue. Nous avons expliqu\u00e9 beaucoup plus sur les ICO <\/span>ici<\/span><\/a>.<\/span><\/p>\n

<\/h3>\n

Infrastructure des march\u00e9s des capitaux (CMI)<\/strong><\/h3>\n

CMI est le c\u0153ur de m\u00e9tier des bourses et courtiers traditionnels. Appariement acheteur-vendeur, enregistrement, conformit\u00e9 r\u00e9glementaire, assistance en mati\u00e8re de liquidit\u00e9, transparence et r\u00e8glement. Tous ces concepts et processus sont actuellement ex\u00e9cut\u00e9s par un large \u00e9ventail d'entreprises et d'organisations, et cette fragmentation rend l'environnement difficile et co\u00fbteux \u00e0 naviguer - d'o\u00f9 les commissions \u00e9lev\u00e9es et les longues p\u00e9riodes d'attente pour les transactions (notamment dans les r\u00e8glements). Cela d\u00e9pend \u00e9galement fortement de tous les participants qui travaillent bien, avec pr\u00e9cision et honn\u00eatet\u00e9.<\/span><\/p>\n

Valeurs mobili\u00e8res Cetent<\/span><\/a> (PDF) et <\/span>Deutsche B\u00f6rse<\/span><\/a> (\u00e9galement PDF, plus d'explications) ont publi\u00e9 un rapport sur les impacts de la FinTech sur les march\u00e9s financiers, et leur premier th\u00e8me est l'infrastructure. <\/span>McKinsey<\/span><\/a> identifie des domaines d'impact similaires et confirme le rapport Cetent \/ Deutsche B\u00f6rse. Une grande partie de l'exp\u00e9rimentation est centr\u00e9e sur la rationalisation des r\u00e8glements, la conformit\u00e9 et la collecte de fonds non traditionnelle (ICO). <\/span><\/p>\n

La blockchain et la technologie du grand livre distribu\u00e9 (DLT) sont les principaux moteurs du changement dans le CMI traditionnel, avec la transparence, la centralisation et l'efficacit\u00e9 du r\u00e8glement comme principaux objectifs. Les premiers tests sont en cours et l'Australian Stock Exchange (ASX) a annonc\u00e9 qu'elle <\/span>remplacer son syst\u00e8me actuel de compensation et de r\u00e8glement<\/span>, CHESS, avec un DLT priv\u00e9 dans un proche avenir. <\/span><\/p>\n

En tirant parti du DLT, les bourses pourront facilement suivre \u00e0 tout moment qui poss\u00e8de quoi et rendre les transactions transparentes. Ce n'est pas sans ses inconv\u00e9nients, cependant, qui pourraient inclure des ventes de panique lorsque le march\u00e9 remarque que de gros participants vendent leurs participations dans une entreprise en particulier. Bien s\u00fbr, il pourrait y avoir des restrictions sur les informations qui sont rendues publiques et ce qui reste pour les seuls \u00e9changes, une d\u00e9cision politique qui pourrait limiter ce genre de panique.<\/span><\/p>\n

Blockchain pour CMI a \u00e9galement de nombreux cas de test en dehors de l'Australie. JSX (Japon) explore la blockchain pour le r\u00e8glement du march\u00e9 \u00e0 faible volume et a publi\u00e9 <\/span>plusieurs documents de travail<\/span><\/a> sur le sujet. KSX (Cor\u00e9e) s'est associ\u00e9 \u00e0 une soci\u00e9t\u00e9 FinTech et a mis en \u0153uvre un \u00e9change complet sur la blockchain pour <\/span>financement de d\u00e9marrage et trading<\/span>. NASDAQ d\u00e9velopp\u00e9 <\/span>Linq<\/span>, une blockchain priv\u00e9e, et l'\u00e9change s'est associ\u00e9 \u00e0 Citi pour apporter encore plus de d\u00e9veloppement de blockchain au monde financier.<\/span><\/p>\n

Les \u00e9changes en Allemagne, en Inde, au Chili, en Russie, au Canada et au Royaume-Uni sont \u00e9galement <\/span>tous exp\u00e9rimentent l'utilisation de la blockchain<\/span>. Tout le monde semble comprendre que la technologie changera la finance, mais le monde est toujours en train de d\u00e9terminer ce qui fonctionne le mieux et ce qui est mieux laiss\u00e9 aux autres technologies.<\/span><\/p>\n

Plut\u00f4t que d'utiliser la FinTech pour augmenter l'infrastructure existante pour les activit\u00e9s d'\u00e9mission d'actions, de n\u00e9gociation et de post-n\u00e9gociation, certaines bourses cryptographiques et traditionnelles s'associent et travaillent en collaboration pour cr\u00e9er des bourses enti\u00e8rement nouvelles. Un exemple est l'initiative KSX susmentionn\u00e9e (dont le site Web semble malheureusement \u00eatre uniquement en cor\u00e9en pour le moment). <\/span><\/p>\n

Un autre d\u00e9veloppement plus r\u00e9cent<\/span> vient de Malte, un \u00c9tat membre de l'UE, qui a r\u00e9cemment promulgu\u00e9 une l\u00e9gislation favorable \u00e0 la FinTech, gagnant (ou promouvant) le surnom "<\/span>\u00cele Blockchain<\/span>\u00bb. Neufund, une filiale de la Bourse de Malte, s'est associ\u00e9 \u00e0 Binance, l'un des plus importants \u00e9changes de crypto-monnaie au monde, pour cr\u00e9er un march\u00e9 mondial et d\u00e9centralis\u00e9 pour le trading d'actions via des jetons. L'un des plus grands objectifs est d'apporter une r\u00e9glementation \u00e0 la plate-forme (par rapport \u00e0 d'autres DEX comme EtherDelta, o\u00f9 chacun peut lister tout ce qu'il veut). <\/span><\/p>\n

 <\/p>\n

RegTech (technologie de r\u00e9gulation)<\/strong><\/h3>\n

Un autre point du rapport de Deutsche B\u00f6rse et Cetent Securities est la \u00abnum\u00e9risation post-n\u00e9gociation\u00bb. Cela inclut l'enregistrement et le r\u00e8glement, mais cela inclut \u00e9galement la conformit\u00e9 r\u00e9glementaire. En utilisant l'IA, le Big Data et le DLT, FinTech cherche \u00e0 automatiser l'assurance et la r\u00e9glementation de la conformit\u00e9 et \u00e0 d\u00e9nicher le commerce ill\u00e9gal. <\/span><\/p>\n

Une fa\u00e7on int\u00e9ressante de d\u00e9ployer RegTech est via <\/span>tokenisation de s\u00e9curit\u00e9<\/span>, par lequel les capitaux propres sont symbolis\u00e9s en actifs num\u00e9riques qui sont ensuite \u00e9chang\u00e9s. Cette tokenisation peut ensuite \u00eatre utilis\u00e9e comme un moyen de suivre les transactions et d'externaliser essentiellement la conformit\u00e9. Chaque transaction sera v\u00e9rifi\u00e9e pour \u00eatre conforme, comme pour les r\u00e9glementations KYC et AML, et si ce n'est pas le cas, elle sera interrompue. Les bourses, les courtiers et les chambres de compensation ne seront plus seuls responsables de la tenue des registres de conformit\u00e9, et un tiers dont l'activit\u00e9 se concentre sur l'exploitation de l'IA et du Big Data peut partager le fardeau.<\/span><\/p>\n

 <\/p>\n

FinTech - une menace ou un compagnon?<\/strong><\/h3>\n

Il semble <\/span>La FinTech n'est pas une menace<\/span><\/a> \u00e0 l'\u00e9change traditionnel mais plut\u00f4t un bon partenaire. Les bourses n'\u00e9vitent certainement pas la nouvelle technologie et semblent chercher \u00e0 collaborer avec des entreprises plus petites et sp\u00e9cialis\u00e9es pour cr\u00e9er leurs cha\u00eenes de blocs et leur technologie exclusives plut\u00f4t que de rivaliser directement. Les institutions financi\u00e8res en place, comme les banques d'investissement, explorent \u00e9galement la blockchain et d'autres utilisations de la technologie financi\u00e8re.<\/span><\/p>\n

D'autre part, <\/span>\u00c9changes <\/span>avons <\/span><\/i>craindre les entreprises technologiques traditionnelles<\/span><\/a> et leurs tailles de b\u00e9h\u00e9moth. Il est peu probable que les petites entreprises FinTech disposent des informations dont dispose Google simplement parce que Google dispose de plus de donn\u00e9es propri\u00e9taires par ordre de grandeur. \u00c9tant donn\u00e9 que l'apprentissage automatique a tendance \u00e0 mieux fonctionner avec d'\u00e9normes quantit\u00e9s de donn\u00e9es, il semble raisonnable que Microsoft, Amazon, Google et al. sera en mesure de construire des machines plus intelligentes en utilisant leurs propres donn\u00e9es tandis que la petite startup ne pourra acc\u00e9der qu'\u00e0 des blocs de donn\u00e9es beaucoup plus petits. Pourtant, il se peut que les g\u00e9ants de la technologie finissent par s'associer aux g\u00e9ants de la finance pour apporter automatisation et efficacit\u00e9 \u00e0 toutes sortes de domaines financiers, notamment pour les infrastructures et ses activit\u00e9s associ\u00e9es. <\/span><\/p>\n

Il peut \u00e9galement arriver qu'une startup perturbe compl\u00e8tement l'espace avec une nouvelle innovation r\u00e9volutionnaire, laissant Big Tech et Big Finance se d\u00e9mener pour suivre. Seul l'avenir peut nous dire ce qui se trouve dans le futur, mais nous pouvons \u00eatre presque certains que la FinTech changera qui participe aux march\u00e9s et comment ces march\u00e9s sont g\u00e9r\u00e9s.<\/span><\/p>\n

Chez CityFALCON, nous aidons les investisseurs, les traders et les professionnels \u00e0 rester inform\u00e9s des derni\u00e8res histoires, tendances et \u00e9v\u00e9nements. C'est gratuit pour le public de d\u00e9tail. Essayez-nous ici<\/a>.<\/p>\n

(Cet article a \u00e9t\u00e9 initialement \u00e9crit pour MasterInvestor.co.uk<\/a>)<\/em><\/p>","protected":false},"excerpt":{"rendered":"

Dans le dernier article, nous avons explor\u00e9 les diff\u00e9rences entre les bourses de crypto-monnaie et les bourses traditionnelles. Le monde FinTech ne se limite pas \u00e0 la crypto-monnaie, cependant, et de nombreux autres concepts et processus en finance ont \u00e9t\u00e9 num\u00e9ris\u00e9s et fournis par des soci\u00e9t\u00e9s FinTech\u2026. Continuer la lecture \u2192<\/a><\/p>","protected":false},"author":1,"featured_media":4346,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[20],"tags":[266,4,54],"class_list":["post-4345","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investments","tag-cryptocurrency","tag-fintech","tag-stock-market"],"yoast_head":"\nFintech Collaboration & Effect on Financial Market - CityFALCON<\/title>\n<meta name=\"description\" content=\"Here we will focus on how FinTech is changing capital markets (from Fundraising to Regulation) and whether FinTech firms will be disruptors or collaborators\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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