匯豐董事長:科技公司應受到更嚴格金融監管
The chairman of HSBC has said that regulators in China and elsewhere are starting to consider more seriously whether technology companies that provide financial services should, like banks, be regulated more heavily.
匯豐銀行(HSBC)董事長範智廉(Douglas Flint)表示，中國和其他國家的監管者正開始更爲嚴肅地考慮是否應對提供金融服務的科技公司進行更嚴格的監管。
The comment from the chairman of one of the world’s biggest lenders underlines the risk for large technology groups such as Alibaba in China and Apple in the US that they could face stricter regulation as they move further into financial services.
來自全球最大銀行之一董事長的這番言論，突顯出中國的阿里巴巴(Alibaba)和美國的蘋果(Apple)等大型科技集團所面臨的風險：隨着它們繼續進軍金融服務領域，它們可能面臨更爲嚴格的監管。
Douglas Flint said in a speech at Cass Business School in London on Thursday: “Regulators all around the world are reflecting on the extent that internet companies are providing banking services and whether they should be regulated as such, or whether they are just providing access to banking services.”
範智廉週四在倫敦卡斯商學院(Cass Business School)的一次演講中稱：“全球監管機構正考慮互聯網公司提供銀行業服務的範圍以及是否應對它們嚴加監管或者它們是否只是爲使用銀行業服務提供途徑。”
But he said: “My view is that most technology companies will want to be partners of banks” because they would find the extra “burden of regulation” — such as compliance and anti-money laundering rules — is “not something they want to take on”.
但他表示：“我認爲，大多數科技公司希望成爲銀行的合作伙伴”，因爲它們認爲更多的“監管負擔”（例如合規和反洗錢規定）“並非他們希望承擔的”。
He also called for regulators to address the questions around the use of consumers’ financial data. “The big public policy question that you all should be thinking about is who owns your data, how safe is it and who is responsible if it goes wrong.
他還呼籲監管機構解決有關利用客戶金融數據的問題。“你們都應思考的一個重大的公共政策問題是誰擁有你們的數據、數據是否安全以及如果數據安全出了問題誰對此負責。”
Responding to a question on the competitive challenge HSBC faces in China from technology companies such as Alibaba and Tencent, Mr Flint said: “That is a good question and one that Chinese authorities are starting to grapple with.”
在被問到匯豐在中國面臨來自阿里巴巴和騰訊(Tencent)等科技公司的競爭挑戰的問題時，範智廉回答：“這個問題問得好，中國政府正開始解決這個問題。”
The HSBC chairman works closely with Chinese regulators as an adviser to the mayors of both Beijing and Shanghai. He is also chairman of the Institute of International Finance, which interacts with regulators and policymakers on behalf of 500 of the world’s biggest financial institutions.
作爲北京和上海市長的顧問，範智廉正與中國監管機構密切合作。他還擔任國際金融協會(Institute of International Finance)主席，該協會代表全球最大的500家金融機構與監管機構和政策制定者溝通。
In June, Alibaba’s financial affiliate company launched MYBank, its internet bank, with executives pledging to use the Chinese ecommerce group’s vast amounts of customer data to target lending to small businesses. That followed the launch in January of WeBank, an internet lending joint venture led by Tencent.
今年6月，阿里巴巴的金融子公司推出在線銀行網商銀行(MYbank)，其高管承諾將利用這家中國電商集團的大量客戶數據，將貸款瞄準小企業。今年1月，騰訊推出在線貸款合資公司微衆銀行(WeBank)。
In the US and Europe, Apple has moved into the payments market by launching Apple Pay to let customers pay for goods using their phones, while Google and Facebook are also building up their financial services offerings.
在美國和歐洲，蘋果已進軍支付領域，推出Apple Pay，客戶可以用手機爲商品付款，谷歌(Google)和Facebook也在推出各自的金融服務產品。
Many bankers hope that their market position will be protected from the challenge of technology groups both by the barrier of extra regulation and the belief that consumers will not trust internet groups to protect their financial data.
很多銀行人士希望，更多的監管壁壘以及認爲消費者不會相信互聯網公司會保護他們的金融數據的看法，會讓銀行的市場地位不受科技公司挑戰的影響。
