Page 18 - 期货和衍生品行业监管动态（2023年1月）

期货和衍生品行业监管动态

 优化搜索引擎，确保当消费者寻找特定金融主题的信息时，各成员国监

管机构的金融教育网站应作为首个搜索结果出现。

背景和法律依据

本报告基于对 2022 年 1 月 31 日发布的欧洲监管当局联合专题资料库中 127

项国家数字化金融教育方案分析，重点关注网络安全、骗局和欺诈。报告还借鉴

了 2022 年 2 月 1-2 日欧洲监管当局联合举办的金融教育和扫盲高级别会议以及

2022 年 9 月与各成员国监管机构举办的研讨会中的相关见解。

三家欧盟监管机构根据各自的《设立条例》（Founding Regulations）第 9(1)(b)

条的规定编写了本报告，该规定要求监管机构“在提高消费者金融产品或服务市

场的透明度、简单性和公平性方面发挥主导作用，包括审查和协调主管部门的金

融知识普及和教育方案”。

European Supervisory Authorities Identify Good Practices for Financial
Education Initiatives on Scams, Fraud and Cyber Security (2023/1/12)

The three European Supervisory Authorities (EBA, EIOPA and ESMA - ESAs)

published today a joint thematic Report on national financial education initiatives on

digitalisation, with a focus on cybersecurity, scams, and fraud. The Report identifies

good practices that national competent authorities and other public entities can follow

when designing and implementing their financial education initiatives.

Access to digital channels and digital infrastructure has become a prerequisite for

consumers to make use of financial services, and this trend has intensified in the

context of the COVID-19 pandemic. Against this backdrop, the three ESAs highlight

the fact that a lack of financial literacy and unfamiliarity with digital technologies can

increasingly lead to financial vulnerability and exclusion of consumers. More

specifically, without appropriate digital financial skills and the ability to ensure their

cybersecurity, consumers are more at risk of becoming victims of scams and fraud.

To address this issue, the ESAs have identified 12 good practices that can help

national competent authorities (NCAs) and other public entities increase the reach and

7