香港虚拟银行业的未来

2018年12月13日 12:10
來源:香港奇点财经Singularity Financial

Mobile payment and online financial transactions have become quite common these days.As retail banks are grappling with high labor and rental costs, virtual banks should have a bigger role to play.

随着移动支付,在线金融交易现在变得愈发普遍,而当前商业银行正在应对高昂的劳动力和租赁成本,虚拟银行会发挥更大的作用。

Earlier today ,the Hong Kong Monetary Authority (HKMA) has provided an update on the processing of virtual banking applications.

今天早些时候,香港金管局宣布在处理虚拟银行申请上取得了新的进展。

As the first round of licence approvals – due by the end of the year – will enable new competition in a city that ranks as one of the most heavily saturated for banking services globally.

作为今年年底的第一批申请虚拟银行批次,这将是香港,全球银行业最饱和城市的一轮新的竞争。

The HKMA had earlier indicated that around 30 applications had been received as at the end of August 2018. Today, the regulator said that about one-third of these applicants did not submit sufficient information on certain critical aspects of authorization criteria. Subsequently, the HKMA informed these applicants that their applications would not be processed.

香港金管局早前表示,截至2018年8月底,已收到约30份申请。今日,监管机构表示,约有三分之一的申请人未就授权准则的某些关键方面提供足够资料。而这些申请人他们的申请将不会被处理。

Of the 29 virtual bank licence applications before the HKMA, submissions have been made by WeLab, HKT, Standard Chartered Bank, as well as an alliance between Australia’s Airwallex, Bank of East Asia (BEA), and mainland firm Sequoia Capital China.

在向金管局提交的29份虚拟银行牌照申请中,WeLab,HKT,渣打银行以及澳大利亚Airwallex,东亚银行(BEA)和内地公司红杉资本中国之间的联盟都提交了意见书。

Tencent-backed Airwallex shifted its headquarters to Hong Kong from Melbourne in August.

腾讯旗下的Airwallex在八月份将总部从墨尔本搬到了香港。

If approved the banks will compete in a crowded market as Hong Kong has 187 traditional banks, including some of the biggest players globally such as HSBC Holdings.

如果这些申请得到批准,香港拥挤的银行市场将会面临更大竞争。在香港有187家传统银行,其中包括汇丰控股等全球最大的一些银行。

“Hong Kong is already a heavily-banked market, with a large number of players relative to the size of the population,” said James Lloyd, partner and Asia-Pacific fintech leader at EY.

安永合伙人兼亚太区金融科技领导人James Lloyd表示,“香港已经是一个银行业务密集的市场,其人口规模相对较大。

One of the applicants, online lender WeLab, is focused on the bay area, according to co-founder and chief executive ­Simon Loong.

此次虚拟银行申请者中的来自线上借贷平台WeLab的首席运行官Simon Long表示他们会将目光聚集在粤港澳大湾区。

“Virtual banks have the benefit of being built with a digital strategy and implementation for the digital consumer and we see great potential in Hong Kong and the Greater Bay Area,” he said.

“虚拟银行的优势在于为数字消费者布局一些战略实施,我们看到香港和大湾地区具有巨大潜力,”他说。

And for applicants, in order to run a virtual banking business successfully, operators have to do their know-your-customer procedures thoroughly. Double customer verification is a must.

对于虚拟银行申请者来说,为了成功运营虚拟银行业务,运营商必须彻底了解客户的程序。双重客户验证是必须的程序。

Customers should be immediately notified if their bank accounts are stolen.

如果银行账户被盗,应立即通知客户。

If they operate properly, virtual banks should have plenty of room for growth in Hong Kong. 如果运作得当,虚拟银行应该有足够的增长空间。

参开链接:https://www.scmp.com/business/banking-finance/article/2171610/hong-kongs-appeal-virtual-banking-hub-about-be-put-test

http://www.ejinsight.com/20181122-the-future-of-virtual-banking-in-hong-kong/