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亚洲Fintech产业发展迅速 澳大利亚将获益最多?

今年发布的三份重要报告显示,亚洲正逐步成为世界金融中心主宰。

Z/Yen:《全球金融中心指数》报告

第一份报告是英国商业智库Z/Yen于2017年3月发布的《全球金融中心指数》。该份报告客观分析了全球100多个金融中心的优势并结合了3000多位行业专家的意见。与六月前的报告相比,前50中11个亚太中心排名上升,只有4个下降。

比如,悉尼从11升至8,墨尔本从24升至21。而2015年悉尼和墨尔本只分别排在21和28。

另一方面,7个欧洲城市排名下滑,包括老牌中心苏黎世和卢森堡,还有法兰克福、都柏林、阿姆斯特丹。

美国城市喜忧参半。两座城市排名上升(芝加哥和洛杉矶),两座城市排名下降(波士顿和华盛顿)。

同时,虽然伦敦和纽约保住了第一的位置但排名积分下降。新加坡、香港和东京紧追其后。

该份报告认为,英国脱欧和美国的总统选举是伦敦和纽约分数下滑的主要原因。

这些世界经济排名报告总是引发激烈争论。但无论如何,像《全球金融中心指数》这样的报告为成功的城市制造了积极的媒体报道,公司在做重大投资决定时会着重参考这些媒体报道。

因而今年的《全球金融中心指数》对于亚洲(包括澳大利亚)现有的金融服务和fintech公司来说无疑是个利好,而对于欧洲和美国的公司就不是个太好的消息。

毕马威:《2016金融科技脉动》报告

今年二月底毕马威发布的《2016金融科技脉动(2016 Pulse of Fintech)》也提到了上述趋势。毕马威报告和Z/Yen报告关注点稍有不同。

毕马威报告主要针对全球fintech行业获得的投资进行了分析,其中:

美国fintech总投资额从2015年的270亿美元下降到了2016年的128亿美元。

欧洲表现更为糟糕,从109亿美元降至22亿美元。

而亚洲的总投资额则从2015年的84亿美元略升至2016年的85亿美元。其中,澳大利亚fintech投资增长了近三倍,从1亿8500万美元升至6亿5600万美元。

德勤:《链接全球金融科技:2017过渡行业中心回顾》报告

第三份报告是德勤4月发布的《连接全球fintech:2017过渡中心回顾》。该报告重点分析了不同金融中心的fintech比较优势。

44全球fintech中心排名中,悉尼排名第八,比去年上升一位。今年新增24个中心,排名根据表现分数。

同时,新加坡和伦敦并列第一。

三份报告显示,亚洲的金融中心也许过不多久就会取代伦敦或纽约成为世界首要金融首都。

澳大利亚的fintech公司在这一新世界秩序中将有充足优势。

对于创业者来说,澳大利亚处在亚洲,因此其充满活力和不断发展的fintech行业处于一个十分方便的时间区,有利于和其他亚洲金融市场互动。

更重要的是,在亚洲澳大利亚有着良好声誉,以稳定的金融监管、易商环境和相对较少的腐败及政府干预闻名。

澳大利亚的基金池为亚洲最大,世界第六。

澳大利亚金融服务业及相关专业人才济济。这是因为金融服务业(不是一些人认为的挖矿或农业)是该国第一大产业。

以上这些都使得澳大利亚的fintech行业成为亚洲商业机会中的一个香饽饽,尤其是需要高度信任的领域,如网络安全、国际支付、电子金融建议、众筹和区块链技术。

当然,时间将检验如今这些趋势是否将持续。欧洲是否会从脱欧的混乱中恢复往日地位以及美国在特朗普当选后能否继续投射强大的全球价值主张,这都需要时间来给出答案。

澳大利亚和美国、欧洲及英国的经济文化尤其在金融服务方面的联系总是十分紧密,而且将继续保持并深化这种联系。

因此,随着世界金融中轴移向亚洲,澳大利亚的fintech行业将获益良多。

Three major reports released this year have provided strong evidence that the crown for financial center dominance is shifting toward Asia. And the Australian fintech industry is in the box seat to capitalize on this important mega-trend.

The first report is the Global Financial Centres Index released by UK-based commercial think tank Z/Yen in March 2017.

The index is based on an objective analysis of the strengths of more than 100 financial centers, along with survey feedback from more than 3,000 industry professionals.

Within the top 50, 11 Asia Pacific financial centers improved their overall rank and only four lost their rank compared to the results six months ago.

For instance, Sydney increased its ranking from 11 to eight, while Melbourne jumped from 24 to 21. It wasn’t that long ago that, in the March 2015 index, Sydney was languishing in 21st place,?with Melbourne at 28.

On the flipside, seven European cities lost their rank, including old-school favorites Zurich and Luxembourg, along with Frankfurt, Dublin, and Amsterdam.

The United States had mixed results, with two cities (Chicago and Los Angeles) increasing their ranking and two falling (Boston and Washington DC).

While London and New York both kept their spots at the top of the table, they lost ranking points. Singapore, Hong Kong, and Tokyo are now nipping at their heel

The report concludes that Brexit and the US presidential election were the main causes for the weaker outcome for both London and New York.

The reality of ranking

These world economic ranking reports promote furious debate.

However, the fact of the matter is that reports such as the Global Financial Centres Index help generate positive media coverage for the successful cities, and this media coverage is influential when companies make major investment decisions.

That’s why this year’s Global Financial Centres Index is positive news for existing financial services and fintech companies based in Asia (including Australia), but not so great news for Europe and the US.

But when it comes to Australia and Asia, the good news does not end there.

Fintechs around the world

The KPMG 2016 Pulse of FinTech report released in late February this year identified almost identical trends as the previous index, despite the two reports focusing on slightly different subject matters.

The KPMG report looked at investments into the world fintech sector.

It found that total fintech investment in the US dropped from US$27 billion in 2015 to US$12.8 billion in 2016.

Europe had an even worse result compared to the US, with total investments dropping from US$10.9 billion to US$2.2 billion.

Asia, on the other hand, saw total investments rise slightly from US$8.4 billion in 2015 to US$8.5 billion in 2016. As a subset of this, Australia’s fintech investments more than tripled from US$185 million in 2015 to US$656 million in 2016.

Finally, Deloitte’s Connecting Global FinTech: Interim Hub Review 2017, which was released in April,?focuses on the comparative fintech strengths of different centers.

It ranks Sydney as the eighth strongest fintech hub in the world out of 44 hubs, based on a performance score, an improvement from its ninth spot last year, despite an additional 24 hubs.

Meanwhile, the review ranks Singapore and London evenly as the top fintech centers in the world.

So what can we learn?

The global fintech crown could move to Asia

The reports show that it may not be long before Asian centers, not iconic London or New York, are regarded as the world’s top financial capitals.

Australian?fintech companies are well-placed to take advantage of this new world order as well.

For starters, Australia’s dynamic and growing fintech industry is part of Asia and therefore in the right time zone to easily interact with other Asian financial markets.

More importantly, however, the continent has a strong reputation across Asia for its stable financial regulation and a business environment relatively free of corruption and government interference.

Australia is also home to Asia’s largest pool of funds under management, and the sixth largest in the world.

When it comes to fintech talent, Australia has a deep reservoir of financial services and allied professionals. This is because financial services (not mining or agriculture as some think) is Australia’s largest industry.

All of the above makes Australian fintech a highly sought after business prospect in Asia, particularly in areas which require a high level of trust, such as cyber security, international payments, digital financial advice, crowdfunding, and blockchain technology.

Of course, time will tell whether these current trends last, particularly whether Europe can recover from jitters about Brexit and the US can return to projecting a strong global value proposition following the Trump election.

Australia will always have close economic and cultural ties with the United States, Europe, and the?United Kingdom—particularly in financial services—and will be keen to keep?and expand on those ties.

By the same token, Australia’s fintech industry is expected?to win big, as the world’s financial center axis moves toward Asia.


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