聚焦博鳌:中国金融科技增长潜力巨大 - 互联网金融门户 未央网

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国际资讯基于互联网平台的金融业务

聚焦博鳌:中国金融科技增长潜力巨大

安永公司2017年的一份报告显示,中国目前的金融科技使用率居全球首位。中国有69%的数字活跃消费者使用金融科技服务,而在美国,这一比率仅有33%。

据了解,目前这一增长趋势主要受支付产业推动。来自麦肯锡公司的报告显示,截止2015年底,中国金融科技产业市场规模已经突破12万亿元人民币(约合1.9万亿美元),其中支付产业的市场贡献率高达90%。

因此有人认为,中国金融科技产业增长可能即将迎来瓶颈期。

对于这一问题,在刚刚召开的博鳌亚洲论坛上,Rong360联合创始人兼董事长叶大清在接受CNBC采访时表示:

“中国在多个金融科技行业都一直处于世界领先地位。尤其是支付行业,服务渗透和使用率高达60%甚至70%。然而,金融科技领域的其他领域(例如在线信贷、信用卡、信贷基础设施和保险等)的服务渗透率仍然不足,未来发展空间巨大。我们预计,未来五到十年,中国金融科技产业的增速可能达到两位数。”

 

The growth in China's financial technology industry may look like it's peaking given the wide usage of internet payments, but the sector has yet to reach its full potential, one fintech firm told CNBC on Monday.

The world's second-largest economy already has one of the highest fintech adoption rates, according to a 2017 report by consultancy EY. The report found that 69 percent of digitally active consumers in China use fintech services, compared to 33 percent in the U.S.

But a large portion of the current growth is driven by payments, David Ye, co-founder and chairman of Rong360, told CNBC's Akiko Fujita at the Boao Forum in Hainan, China.

"China has been leading in some fintech space such as payments. China is way ahead of other leading countries in payments with 60 or 70 percent of penetration," Ye said.

"However, in other parts of the fintech space, for example access to credit online, credit cards, credit infrastructure or access to insurance, are still under penetrated and have lots of room to grow. That's why we expect the whole sector to grow double digit, in some sectors maybe high double digit in the next five, ten years to come," he said.

The market size of China's fintech industry already exceeded 12 trillion yuan ($1.9 trillion) at the end of 2015, with payments contributing close to 90 percent of that value, according to a report by McKinsey and Company.

The growth potential has fueled the expansion of a number of Chinese fintech companies. Multiple fintech firms, including Rong360's subsidiary Jianpu Technology, launched initial public offerings in the U.S. over the past year.

"We see more than consumers and SMEs need access to credit, they want to buy insurance, they want to better manage their wealth, they want to get their first cars — that's the biggest driver," Ye added.


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