香港虛擬銀行業的未來

2018年12月13日 12:11
来源: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.

隨著移動支付,在線金融交易現在變得非常普遍。而在當前商業銀行正在努力應對高昂的勞動力和租賃成本時,虛擬銀行可以發揮更大的作用。

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

今天早些時候,香港金管局在處理虛擬銀行申請上取得了新的進展。

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.

作為今年年底的第一批申請虛擬銀行批次,這將是香港,全球銀行業最飽和城市的一輪新的競爭。

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,已收到約30份申請。今日,監管機構表示,約有三分之一的申請人未就授權準則的某些關鍵方面提供足夠資料。而這些申請人他們的申請將不會被處理。

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份虛擬銀行牌照申請中,WeLab,HKT,渣打銀行以及澳大利亞Airwallex,東亞銀行(BEA)和內地公司紅杉資本中國之間的聯盟都提交了意見書。

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

騰訊旗下的Airwallex在八月份將總部從墨爾本搬到了香港。

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.

如果這些申請得到批準,香港擁擠的銀行市場將會面臨更大競爭。在香港有187家傳統銀行,其中包括匯豐控股等全球最大的一些銀行。

「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.

安永合夥人兼亞太區金融科技領導人James Lloyd表示,「香港已經是一個銀行業務密集的市場,其人口規糢相對較大。

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

此次虛擬銀行申請者中的來自線上借貸平臺WeLab的首席執行官Simon Long表示他們會將目光聚集在粵港澳大灣區。

「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.

「虛擬銀行的優勢在於為數字消費者布局一些戰略實施,我們看到香港和大灣地區具有巨大潛力,」他說。

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.

對於虛擬銀行申請者來說,為了成功運營虛擬銀行業務,運營商必須徹底了解客戶的程序。雙重客戶驗證是必須的程序。

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

如果銀行賬戶被盜,應立即通知客戶。

If they operate properly, virtual banks should have plenty of room for growth in Hong Kong. 如果運作得當,虛擬銀行應該有足夠的增長空間。

參開鏈接: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/