[20210127]IF11742_太小无法收集大数据：金融包容性影响.pdf

https:/crsreports.congress.gov January 27, 2021Too Small to Collect Big Data: Financial Inclusion ImplicationsCongress has demonstrated an ongoing interest in promoting financial inclusion (i.e., increasing the access of traditionally underserved populations and markets to affordable financial services and products). The concept of financial inclusion has evolved to include the adoption of digital technologies, which can enhance the effectiveness of regtechthe use of technology by both regulators and regulated entities to facilitate compliance with applicable regulations and policy objectives. While regtech can be used to monitor prudential financial (e.g., credit, liquidity, interest rate) risks, it can also be deployed to analyze the circulation of financial products and services, thus monitoring the breadth of inclusiveness. Regtech relies upon collecting and organizing digital data, which may be costly for certain institutionsespecially those that serve predominantly customers facing appreciable financial challenges. Regtech and Financial Risk Reporting U.S. depository institutions (i.e., banks and credit unions) have mandatory quarterly data reporting requirements, which allo