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国际资讯监管与政策

澳洲金融科技企业盯上了中国市场

矿山和农场已经过时了,金融技术才是澳大利亚未来所在,因此澳洲政府计划向本国金融科技行业进行注资,加速澳大利亚公司在亚洲的发展。

澳大利亚财务部长Scott Morrison认为金融科技是推动澳大利亚经济方面生产力的最佳机会之一,它可以在很多领域释放活力。

金融服务已经是澳大利亚最大的经济部门,政府希望确保金融科技支撑未来发展,规避国际干扰。

同时,政府计划把澳大利亚建设成区域性金融科技中心。其实,澳大利亚政府二十年前就可以开始了这项规划。

在最近的一次访问上海参加G20财长会议时,Morrison宣布,澳大利亚联邦政府将为悉尼金融科技中心Stone&Chalk的“亚洲行动计划”提供15万美元的支持,以期吸引更多对澳投资。

澳大利亚大部分的金融科技创新都集中在悉尼。比如,Stone&Chalk目前共计就有56个创业企业。此外,Tyro金融科技中心也位于这个城市。

众筹平台VentureCrowd与P2P平台Society One也都来自悉尼,而位列澳洲政府金融科技咨询小组的CommonWealth和Westpac两大银行同样是从这里起家的。

澳洲政府于去年12月启动了一项总价值高达11亿美元的创新和科学议程,而今年2月又举行了第一次内阁级委员会会议。尤其值得关注的是,这是总理MalcolmTurnbull主动倡导的。

议事日程包括讨论税收优惠以鼓励天使投资者支持创新创业企业,改变企业家阶层的签证计划。

新金融科技专家咨询小组由Stone&Chalk的主席和Westpac银行的董事CraigDunn主导,旨在为政府部门负责人了解周围新兴金融服务(包括众筹、p2p借贷、移动支付、电子货币和人工智能)提供建设性意见。

此外澳洲政府还宣布,上海将会是澳大利亚首选的合作目的地——澳大利亚企业家可以获得关于当地市场的建议、建立与其他公司和潜在合作伙伴的关系网络、在国际市场获得立足之地的物理位置。此外,特拉维夫和旧金山也同样入选了合作目的地列表。

澳大利亚政府表示,中国是一个有6.18亿互联网用户和3亿网上购物者的巨大市场。不过,Digital Jungle首席执行官Matthew McDougall也警告说,这不是一个同质市场,例如上海市场和北京市场的营销方式就有所区别,相关企业必须对此进行深入了解。(Digital Jungle与热衷于销售给中国市场或中国侨民的组织打交道。)

McDougall表示,大多数西方企业认为中国是一刀切,但其实中国有56个不同省份,而且西方常用的营销渠道,如Facebook,Twitter和YouTube在中国都无法正常使用。同时,企业需要有"移动先行"的发展策略,因为86%的互联网在中国起源于在移动设备上,而且不一定和广泛应用在西方的一样。此外,澳大利亚金融科技企业还要做好准备和传统技术进行市场争夺,因为目前有6亿中国社交网络微信的用户中已经有91%的人将自己的账户绑定了信用卡。

The Australian government is injecting money into the country's financial technology community to help firms break into lucrative Asian markets

Forget mines and farms - financial technology (fintech) is where the future lies for Australia, and the government is stumping up funds to accelerate Australian firms' progress in Asia.

Treasurer Scott Morrison described fintech as "one of the biggest opportunities to drive productivity in the Australian economy based on the competition that it can unleash in almost every sector, if not every sector of our economy".

Financial services are already the largest single sector of the Australian economy and the government wants to ensure fintech underpins future growth and fends off international disruptors.

At the same time, it wants to establish Australia as a regional fintech hub - in fact, this has been an ambition of Australian governments for more than two decades.

During a recent visit to Shanghai to attend the G20 finance leaders' meeting, Morrison announced that the Australian federal government would support Sydney-based fintech hub Stone & Chalk to the tune of $150,000 for its fintech Asia initiative. The intention is to promote Australia as a regional fintech hub to attract more inbound investment and ideas.

Sydney has been a magnet for most of Australia's fintech innovation. At time of writing, Stone & Chalk has 56 startup businesses working out of the hub, and the Tyro fintech hub is also based in the city.

Companies such as crowdfunder VentureCrowd and peer-to-peer lending business Society One also call Sydney home, as do two of the nation's four big banks, Commonwealth and Westpac, which are represented on a new fintech expert advisory group set up by the government.

After launching the $1.1bn Innovation and Science Agenda last December, the government held its first cabinet-level committee meeting about the programme in February, reinforcing the fact that this is an initiative championed by prime minister Malcolm Turnbull.

The agenda included discussions about tax incentives to encourage angel investors to support innovative startups and changes planned for the entrepreneur class of visa.

The new fintech expert advisory group, chaired by Craig Dunn, chairman of Stone & Chalk and a director of Westpac, aims to provide ministers with insight around emerging financial services, including crowdfunding, peer-to-peer lending, mobile payments, digital currencies and artificial intelligence.

Separately, the government also announced that Shanghai is the preferred site for Australia's latest "landing pad" - a physical location where Australian entrepreneurs can go to get advice about the local market, start networking with other companies and prospective partners, and get a toehold in an international market.

Tel Aviv and San Francisco were the other two locations announced, with two more to come.

According to the Australian government, the prize in China is a market of 618 million internet users and 300 million online shoppers.

But Matthew McDougall, CEO of Digital Jungle, which works with organisations keen to sell either into the Chinese market or to the Chinese diaspora, warned that this is not a homogeneous market and that new entrants need to be aware that marketing in Shanghai often requires a radically different approach to marketing to potential users in Beijing, for example.

"Most western companies think of China as one size fits all," said McDougall. But instead, the country has 56 quite different provinces and traditional western marketing channels, such as Facebook, Twitter and YouTube, are blocked, he added.

Also, companies need to take a mobile-first approach to development because 86% of all internet access in China originates on mobile devices - and not necessarily the same as those used widely in the west, said McDougall.

Fintechs will also have to fight off entrenched technologies, he said, pointing out that 91% of the 600 million users of the China-only social network WeChat already have credit card details attached to their accounts to make payments.


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钱佳琪 | 未央团队未央编辑团队

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