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国际资讯基于互联网平台的金融业务监管与政策

韩国将允许比特币公司进行国际货币兑换

近日有消息指出,韩国政府将给包括以比特币介质的外币转账服务的金融科技公司发行许可证,正式允许一些小基金进行国际货币转账。

据了解,政策将于今年8月15日正式生效,预计将有大约40家金融科技公司将获得这份国际汇款服务授权。《韩国先驱报》补充道,通过金融科技公司进行一次性转账的限额为3,000美元, 单一账户每年限额为20,000美元。

CCN曾于今年五月报道称,韩国政府正在降低外汇转账类创业公司的监管负担。韩国至少有20家金融科技公司使用比特币为韩国公民提供外币兑换服务。

本月实施的《外汇交易法(修订案)》将要求韩国的金融科技公司持有10亿韩元(约合882,000美元)的股权资本,相比于之前20亿韩元的外币转账服务基础资本要求有明显下降。值得注意的是,韩国现有的20个比特币汇款公司都没有达到早先的标准。

传统银行通过SWIFT进行外汇汇款服务,通常在付款和结算之间需要3-4个工作日,汇款费用可能会高达6%。虽然PayPal和其他“现代”电汇服务的时间更短、费用更低廉,但是基于比特币的汇款代理机构在当天的外汇转账中将收取交易额的1%以内的费用。

2016年,金融巨头新汉银行看到了比特币汇款渠道的巨大潜力,并在当年在推出了“韩国-中国走廊”的比特币汇款服务。这种典型的转账模式是:新韩银行将付款人的货币的账面价值在香港转换成比特币,然后送到中国交易所,在收款人收到资金之前,这笔资金将自动转换为中国的法定货币。

The South Korean government will issue permits to FinTech firms including bitcoin mediated foreign currency transfer services to enable international money transfers for small funds.

Come August 15, about 40 FinTech firms are expected to launch international money transfer services after receiving permits from the Financial Supervisory Service, South Korea’s financial regulator. According to the Korea Herald, the permitted amount for a one-off transfer via a FinTech firm will be $3,000 or less. The annual limit for a single account will be capped at $20,000 for transfers through FinTech firms.

As CCN reported in early May, the South Korean government moved to lower the regulatory burden for foreign money transfer startups. There are at least 20 FinTech companies in Korea who use bitcoin for foreign currency transfer services for Korean citizens.

A revision to the Foreign Exchange Transactions Act, which went into effect this month, will see Korean FinTech firms required to hold 1 billion (approx. $882,000) in equity capital, against the previous minimum of over 2 billion ($1.76 million), to offer foreign currency transfers in Korea. Notably, none of the 20 bitcoin remittance companies were able to meet the earlier criteria.

Traditional bank remittance services, through SWIFT, typically 3-4 business days between payment and settlement and could incur up to 6% of the remittance in fees. While PayPal and other ‘modern’ wire transfer services have significantly faster services with somewhat cheaper fees, a bitcoin-based remittance agency will guarantee same-day foreign transfers with fees at 1% of the transaction or less.

The numerous advantages of bitcoin-based remittance have even led to financial giant Shinhan Bank launching a bitcoin-backed remittance service for the Korea-China corridor in late 2016. A typical transfer will see Shinhan Bank transfer the sender’s transfer value to a digital exchange in Hong Kong where it will be converted to bitcoins. These bitcoins and then sent to a Chinese exchange, where they are to be converted back to Chinese fiat before the recipient receives the funds.


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