墨西哥:金融科技法规出台对企业意味着什么? - 互联网金融门户 未央网

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国际资讯监管与政策

墨西哥:金融科技法规出台对企业意味着什么?

国际资讯监管与政策

墨西哥:金融科技法规出台对企业意味着什么?

2018年3月1日,墨西哥国会通过法案,监管极速增长的金融科技机构,范围涵盖电子支付企业、众筹企业及加密货币企业。该法案出台,标志着墨西哥与英国及美国一样,成为少数出台金融科技法规的国家。墨西哥出台该新法规的主要目的在于为替代金融与电子支付解决方案企业提供法律框架。此类企业有望助力解决大批墨西哥居民无银行账户的问题,墨西哥无银行账户人士约为1.2亿(占总人口数40%左右)。

墨西哥政府支持发展实用、平价、易获取的金融服务营造了鼓励创新与投资的环境,带动墨西哥成为拉美金融科技领先者。墨西哥有着280多家金融科技企业,是拉美最大的金融科技中心。随着新规出台,企业数获或将继续增长。获取掌控支付系统更为便捷,税收体系更加可持续,企业间竞争性愈发激烈,有望为墨西哥金融服务业带来积极影响。

新规为较小规模更富创新型企业带来挑战传统银行体系、颠覆现有金融服务业的新机遇,将进一步增强竞争局势。负责墨西哥金融科技大贵的相关机构有:财政和公共信贷秘书处(Secretaria de Hacienda y Credito Publico, SHCP)、国家银行和证券委员会(National Banking and Securities Commission, CNBV)及墨西哥银行(Bank of Mexico, Banxico)。墨西哥拟成立金融科技机构委员会(Committee on Financial Technology Institutions),SHCP、CNBBV与Banxico均有两名成员参加。

墨西哥如何定义金融科技机构?

众筹机构:众筹平台允许"企业家"通过互联网向公众投资筹资,形式可为借记、资本、共有或提成。创客可利用众筹平台向投资者兜售商业理念,投资者决定是否投资。最低投资金额为10美元。

电子支付资金机构:此类机构提供电子支付发起、问责、管理与转账服务,可包括资产分配并将其记录于电子交易账户账本中。

虚拟资产管理机构:此类机构需联系第三方,方可买卖处理个人或第三方虚拟资产,完成转账或支付。在某些情况下,虚拟资产象征着货币。

墨西哥现有金融科技企业将受何影响?

墨西哥在营金融科技企业需确保其为墨西哥企业或有限责任公司方可继续营业。企业若要继续运营需取得CNBV与委员会授权。企业授权将于公共登记处及CNBV网站公示。金融科技企业运营需遵循一定最低标准,一旦违约或未达到最低要求,根据法律规定CNBV有权撤销其运营资格。

法规为墨西哥带来了哪些金融科技投资机遇?

墨西哥为客户与投资者设立标准,希望新金融科技法规为金融科技业注入稳定性与透明度。给过金融科技业蓬勃发展,同时也存在着许多负面问题,如墨西哥目前的一大痛点:洗钱。新规有望为创新与解决墨西哥所面临的挑战打下基础,同时为投资者整体创造更为安全的环境,保护其免受风险,并为消费者提供权威保护。

On 1 March 2018, in Mexico City a bill was approved by Congress to regulate the fast growing industry of Financial Technology Institutions (FTI), which includes electronic payment firms, crowdfunding firms and also cryptocurrency firms. With the regulation now in place, Mexico, along with the UK and the USA, is one of very few countries that have passed Fintech Laws. The main objective of the new regulation is to provide a legal framework for companies that offer alternative access to finance and electronic payment solutions. This is expected to help towards solving the problem of the many Mexicans who do not own a bank account – roughly 120 million citizens (approximately 40% of the population).

The government’s support for practical, affordable and accessible financial services for its citizens has created an environment conducive to innovation and investment and has driven Mexico to become the leader in the Latin American fintech sector. With over 280 Fintech companies in operation, Mexico is the largest fintech hub in Latin America, with this number expected to grow further thanks to the new regulation.

The outcome is expected to be positive for Mexico’s financial services industry due to easier access to and control of payment systems, a more sustainable taxation system, and heightened competition amongst firms. Competitiveness will increase as the new law opens up novel opportunities for smaller, more innovative firms to challenge the traditional banking system and disrupt the current financial services industry. The authorities in charge of the Fintech Law in Mexico are SHCP (Secretaria de Hacienda y Credito Publico), the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). The Committee on Financial Technology Institutions, will be set up consisting of two members from each of the SHCP, the CNBBV and Banxico.

What Is an FTI or Fintech Institution in Mexico?

Crowdfunding Institutions: A crowdfunding platform allows an ‘entrepreneur’ to raise money through public investors over the internet. This could be in the form of debt, capital, and co-ownership or royalty schemes investments. It allows innovative thinkers to pitch a business idea to investors who can decide whether or not they would like to invest. The minimum investment can be as little as $10 in the US.

Electronic Payment Funds Institutions: This type of institution is quite simply the services of issuance, accountability, management and transfer of electronic payments. This can include assignment of amounts or units of an asset and recorded in an electronic transaction account ledger.

Virtual Asset Management Institutions: This type of organisation contacts third parties in order to buy, sell or dispose of either their own or a third party’s virtual assets and receive virtual assets to make a transfer or payments to a person. Virtual assets present a currency in certain environments.

How Are Current Fintech Companies in Mexico Affected?

If you are already an operational fintech company in Mexico, then you will need to ensure that you are incorporated as a Mexican corporation or a limited liability company in order to continue providing services in Mexico. Authorisation from the CNBV and the Committee will need to be obtained to allow the company to continue operating. If the company is granted authorisation the permissions they have been granted will be published on a public registry and on the CNBVs website. There will also be minimum operating requirements for fintech companies to follow and if they fail to comply, or to reach the minimum requirement then by law the CNBV has the authority to retract its power to operate.

What Are the Fintech Investment Opportunities for Mexico?

By establishing standards for both clients and investors, it is hoped the new Fintech Law will bring stability and transparency to an industry that is flourishing but that is also marked by negative issues such as money laundering, currently a major problem in Mexico. The legislation is hoped to pave the way for innovation and solutions to Mexico’s challenges whilst at the same time creating a safer environment for investors generally and protecting them from risks and also consumer protection from Mexican authorities.


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