竞争,标准和欧盟数据空间
1Tilburg Institute for Law, Technology and Society, Tilburg Law School, Tilburg University, Tilburg, Netherlands.
Data in brief
|September 2, 2025
概括
由于缺乏强制性技术标准,金融数据准入条例 (FIDA) 可能无法防止竞争风险,可能会重复PSD2.
科学领域:
- 金融服务法规
- 欧盟竞争法
- 数据可移植性
背景情况:
- 通过扩大数据可移植权,金融数据准入条例 (FIDA) 旨在促进竞争.
- 像PSD2这样的现有法规面临互操作性和消费者信任方面的挑战.
研究的目的:
- 分析与FIDA治理框架相关的竞争法风险.
- 评估FIDA的治理是否能够在没有强制性的实质性标准的情况下防止风险.
主要方法:
- 分析FIDA的治理框架 (第10条) 与欧盟竞争法原则 (第101条) 相比.
- 与PSD2中发现的竞争问题进行比较.
主要成果:
- 国际货币基金组织的治理框架符合竞争法准则,但缺乏强制性的实质性标准.
- 缺少标准可能导致互操作性失败,激励措施减少,消费者接受度有限,反映了PSD2问题.
结论:
- 只有FIDA的治理框架可能不足以缓解竞争风险.
- 对于更广泛的欧盟开放数据和部门数据空间倡议,FIDA的教训至关重要.
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