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最有看点的互联网金融门户
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新加坡金融科技市场综述

全新的互联网金融模式国际资讯监管与政策

新加坡金融科技市场综述

东南亚金融科技市场终于迎来了发展,而市场借贷在这场数字革命中的发展速度与广度更是令人印象深刻。

在整个东南亚金融科技市场中,新加坡的发展尤为突出,并已经成为了该地区的金融科技贷款行业中心。它领导了东南亚地区行业发展,占有52%的市场份额(交易数量及投资资金)。紧随其后的菲律宾为14%,泰国13%,印度尼西亚12%。

新加坡金融科技市场概述

新加坡一直被认为是亚洲科技之都,跨国公司和金融机构都把这里作为亚洲业务总部首选。尽管新加坡在技术、创新上基础深厚,但在这次金融科技的潮流中却起步很晚。不过在监管机构的支持下,新加坡已经成功将自己打造成了东南亚"金融科技中心"。2017年第二季度新加坡金融科技市场交易额达到了8300万美元。根据毕马威国际研究--金融科技脉搏的年度数据,2016年新加坡金融科技公司投资金额下降了65%(6.05亿美元降至2.14亿美元)。但有趣的是同期交易数量仅减少两笔,降至28笔。此次下跌的主要原因是金融科技公司授权流程十分复杂,但新加坡金融管理局(MAS)正在积极简化授权流程,以吸引更多的金融科技公司。

管理环境

毕马威新加坡金融服务咨询主管Chia Tek Yew表示:"从长远来看,毕马威希望看到更多的金融科技公司把新加坡作为试点,然后将解决方案推广到东南亚其他国家,比如印尼和泰国。"

一直以来,新加坡金融管理局都对金融科技行业给予积极支持,而这也是新加坡成为东南亚国家行业领导者的原因。比如:

1.推出"FSTI"计划,承诺未来5年投资2.25亿新加坡元(合1.642亿美元),促进新加坡的创新环境发展。

2.进行路线规划,展示了央行准备向开放应用程序编程接口(API)体系转变

3. 在与国家研究基金会的合作中成立专门的金融技术办公室,促进金融行业技术、创新应用(金融技术办公室将对政府机构相关金融资助计划进行审查、调整和加强)。

4.发布"监管沙盒"指导文件,允许金融机构和非金融机构进行金融科技解决方案试验。

5. 与澳大利亚证券与投资委员会(ASIC)达成合作,帮助对方的金融科技公司进入本国市场,减少监管不确定性及进入市场的时间,新加坡金融管理局也在努力与其他国家达成更多合作。

6. 建立金融科技创新中心推动创新发展。

7. 发布咨询文件,建议修改支付监管框架,并建立国家支付委员会,促进协同操作发展,并采取共同标准。

虽然新加坡监管机构在这些领域的反应缓慢,但以上举措已经凸显出它在积极为金融科技贷款领域提供支持。

新加坡市场领导者

Capital Match是一家面向新加坡与东南亚中小企业的在线P2P借贷平台。通过这一在线平台,让中小企业可以从专业投资者获得负担得起的运营资本。该公司提供商业、中小企业贷款、发票融资平台,贷款期限3到12个月不等,金额为5万至20万新元。它由Arnaud Bailly、Kevin Lim与Pawel Kuznicki于2014年创立。自创立以来,该公司已累计融资超过6000万新加坡元。它从三家投资公司获得100万新元投资,其中Innosight Ventures是首要投资者。

Minterest是一家由几位前银行家组成的商业金融技术平台,拥有丰富的结构性融资经验。这家公司由Charis Liau、Wei Choong Loo和Charis Liau于2016年成立。它提供了各种灵活的融资选择,利率低至1%,贷款期限从3到12个月不等。

smartfunding是一家替代融资解决方案平台,为中小企业提供票据融资服务。该公司成立于2016年,种子资金为70万新元。

FinAccel是一家金融技术公司,为东南亚零售信贷部门提供产品,目前专注于革新无担保贷款,由Akshay Garg、Alie Tan、 Umang Rustagi于2015年创立。该公司从不同轮融资中筹集了110万新元。Kredivo是该公司开发的旗舰产品,它为电子商务消费者提供实时决定的即时信贷融资。Jungle Ventures是该公司最大的投资者。

InvoiceInterchange是一家P2P票据交易平台,致力于为中小企业提供提供营运资本解决方案。它既提供选择性的发票折扣,又为中小企业提供整体发票折扣。它由Brian Teng、Nalinee Chinowuthichai于2015年创立。一般来说,投资者费用一般在0.8-1.5%之间(每30天)。交易费用一般在发票金额的1.0%-1.5%之间。

结论

如今,新加坡已经成为东南亚金融科技市场当之无愧的领导者。而从新加坡的亚洲门户历史来看,新加坡未来很有可能在金融科技贷款行业中获得更大的市场份额。目前,新加坡金融管理局已经制定了详尽的招商引资路线图,随着信贷供求的不平衡进一步加剧,新加坡一定会迎来市场借贷的繁荣。

South East Asia (SEA) is finally embracing financial technology and marketplace lending is at the heart of this boom. The breadth and depth of solutions across FinTech Lending in the region is quite impressive and clearly signifies that a digital revolution is underway in the South East Asian lending industry.

Singapore in particular has become a hub for the nascent fintech lending industry. It is the runaway leader in the region and holds 52% of the market share (both by number of deals and money invested). It is followed by Philippines which accounts for 14%, Thailand 13% and Indonesia 12%.

However, with so many different governments involved, SEA poses an overregulation risk. Already, P2P lenders here have to criss-cross through various layers of regulations that their competitors in other regions don’t have to face.

Singapore has always been known as the technology capital of Asia; MNCs and financial institutions have considered it a natural choice as HQ for their Asian operations. Though Singapore has deep roots in technology and innovation but ironically it got on the Fintech bandwagon rather late. But with the support of regulators, Singapore has established itself as the “Fintech Hub” of South East Asia. Singapore fintech market crossed $83 million in deals during the second quarter of 2017. In 2016, investment in Singapore based fintech companies dropped by staggering 65 percent (US$605 million to US$214 million), as per KPMG International study- Pulse of Fintech. But interestingly the number of deals decreased by only two to 28 during the same period. The main reason for the fall was complicated authorization process for fintechs, but Monetary Authority of Singapore (MAS) is working aggressively to streamline the authorization process, in order to attract more fintechs to Singapore.

Regulatory Ecosystem

“Over the longer term, MAS hopes to see more fintechs using Singapore as a base to pilot and then deploy solutions to other countries within South-east Asia, such as Indonesia and Thailand,” said Mr Chia Tek Yew, the head of financial services advisory at KPMG Singapore.

Monetary Authority of Singapore; the regulatory body has backed the fintech industry right from the get go and that is the reason why Singapore has become the leader in South East Asia. Some of those favorable regulations are mentioned below:

Last year, under the “FSTI” scheme, MAS committed S$225 million (US$164.2 million) over the next five years to foster the innovation ecosystem in Singapore.

It also developed the road map that showed the central bank’s move toward an open Application Programming Interface (API) architecture.

In association with National Research Foundation, it announced the establishment of a dedicated FinTech office to facilitate the use of technology and innovation in the financial sectors (FinTech office to review, align and enhance FinTech-related funding schemes across government agencies).

It also released a consultation paper on proposed guidelines for a ‘regulatory sandbox’ that will enable financial institutions (FIs) as well as non-financial players to experiment with financial technology (FinTech) solutions.

Struck partnership with the Australian Securities and Investments Commission (ASIC) to help FinTech companies from their respective countries scale into each other’s markets and help reduce regulatory uncertainty and time to market and it is trying to strike such more partnerships with other countries as well.

MAS have also announced it will be opening a fintech innovation hub “the looking glass” to promote innovation.

It also released a consultation paper on proposed changes to the payments regulatory framework and establishment of a National Payments Council, whose key initiatives are to promote interoperability and adoption of common standards.

This highlights that though the regulator was slow from the blocks, but has aggressively covered ground to create a supportive environment for the fintech lending community.

Leading players in the Singapore Market

Capital Match-is an online peer-to-peer lending marketplace for SMEs based in Singapore and Southeast Asia. It provides SMEs with affordable working capital from professional investors through its online platform. It was founded in 2014 by Arnaud Bailly, Kevin Lim, and Pawel Kuznicki. Since inception, it has facilitated over S$60 million in cumulative origination. It has raised S$1,000,000 from three investors; Innosight Ventures being the lead investor. It offers business and SME loans and invoice financing facilities of S$50,000- S$200,000 with loan duration ranging from 3-12 months.

Minterest- Minterest is a peer-to-business financial technology platform founded by a team of former bankers with more than 120 years of collective experience in corporate and structured finance. It was founded in 2016 by Charis Liau, Ronnie Chia, and Wei Choong Loo. It offers various flexible funding options with interest rate as low as 1% and loan terms ranges from 3-12 months.

SmartFunding- is a platform that provides trustworthy alternative financing solutions that are 100% focused on small and medium businesses. It was founded in 2016 and raised S$700,000 as seed funding. It offers invoice financing to SMEs.

FinAccel- FinAccel is a financial technology company creating products for the retail credit sector for Southeast Asia. With an all-star team of investors, founders and employees, FinAccel is currently focused on disruption in the unsecured lending space. It was founded in 2015 by Akshay Garg, Alie Tan, and Umang Rustagi. It raised S$1,100,000 from various rounds of funding. Kredivo is the flagship product developed by the company; it gives ecommerce shoppers instant credit financing based on real-time decisioning. Jungle Ventures led the funding round in the company.

InvoiceInterchange- is a peer-to-peer invoice-trading marketplace that provides working capital solutions to fund growth for small- to medium-sized enterprises. It offers both selective invoice discounting and the whole turnover invoice discounting to SMEs. It was founded in 2015 by Brian Teng and Nalinee Chinowuthichai. Investor fee is typically between 0.8% – 1.5% (per 30-days) of the advanced amount. Transaction fee is typically between 1.0%-1.5% of invoice amount.

Conclusion

Singapore has emerged as an undisputed leader in the SEA region but considering it has always been the gateway to Asia, it will certainly want to have a bigger share of the fintech lending pie. The MAS has laid out a well-thought out road map to attract startups and investments. With a massive demand-supply mismatch in credit, Singapore is poised to witness a marketplace-lending boom.


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