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国际资讯监管与政策

日本:监管政策变化 释放百万潜在金融科技投资

近日,日本政府方面进行了法律修改,允许日本银行拥有5%以上的科技公司的股份。这一政策改变后,日本银行立即将数百万日元投向了金融科技创业公司。

这项法律修订是政府促进金融科技发展的一项举措,也意味着日本可以成为金融科技创业公司,特别是亚洲创业公司的重要投资资金来源。

这项修订将会允许银行在非金融机构的占股超过5%的限制,前提是该公司将信息技术应用于金融领域。

这项新的、更加自由的举措是出于东京当局对于硅谷将会像摧毁日本的移动手机产业一样摧毁日本银行业的担忧。

日本银行金融科技中心主管Naoyuki Iwashita表示:“日本机构担心某一个Google银行或者Facebook银行将会在未来占领日本。”

报道同时指出,日本金融服务局正在考虑一项更加长远的法律改革,从而让金融科技公司更容易地参与到受监管的金融活动当中,使其从外部参与者手中获得更先进的技术。

在中国和印度等其他亚洲国家,越来越多的投资流向了金融创业公司。而在日本,尽管利率很低,日本公司却因为严格的法律监管和风险厌恶型的民族特点而挣扎。

根据路透社今年早期报道,金融科技产业风险投资在中国的去年达到27亿美元,在印度达到15亿美元。相比较而言,日本的风险投资行业在2015年前9个月仅达到4400万美元的规模。

日本首相安倍晋三正在试图促进经济增长并将国家带出衰退。

JAPANESE banks are gearing up to invest millions of Yen in fintech startups after a law change that allows them to own more than five percent of a technology company.

The change in law is part of a drive by the government to push financial technology and means that Japan could become a significant source of funding for fintech startups looking for investment – especially in Asia.

This will allow banks to bypass the 5 percent limit on ownership in non-financial companies if the company’s purpose is to apply information technology to finance.

The new, more liberal approach to fintech investment is driven by fears in Tokyo that Silicon Valley could destroy Japan’s banking sector as it did the country’s mobile phone industry.

“Japanese institutions are concerned that a Google Bank or Facebook Bank will conquer Japan,” Naoyuki Iwashita, head of the FinTech Centre at the Bank of Japan, told The Financial Times.

The publication also reports that the Japanese Financial Services Authority is considering a further legal change that would make it easier for fintech companies to engage in regulated financial activities in order to obtain more technological advances from outside participants.

Despite raising significant cash investment in other Asian countries such as China and India, fintech startups in Japan have struggled due to strict regulation and weak demand from a risk-averse population that can find easy access to credit due to very low interest rates.

Fintech ventures raised US$2.7 billion in China last year, and over US$1.5 billion in India, reported Reuters earlier in the year.

Comparatively, investment in Japanese ventures reached only around $44 million in the first nine months of 2015.

Japanese Prime Minister Shinzo Abe is currently trying to boost the economy and bring the country out of deflation.


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