最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯监管与政策

香港金融管理局发布修订版《虚拟银行认可指南》

国际资讯监管与政策

香港金融管理局发布修订版《虚拟银行认可指南》

香港金融管理局(以下简称"金管局")在征询公众意见后,发布了修订版《虚拟银行认可指南》。

向公众征求意见期间,金管局共收到包括香港银行公会、接受存款公司工会、消费者委员会、商会、金融科技界的行业协会、科技公司和专业公司在内的共25封反馈。

所有反馈都支持在香港引入虚拟银行业务,其中大多数都认同,虚拟银行应当遵守适用于传统银行的同一套监管规定。《指南》中指出,金融公司和非金融公司都可以在香港运营虚拟银行业务,这一点得到了所有反馈的一致认同,而虚拟银行应当以本地法人实体形式运营而不应设立实体分支机构的原则得到了广泛支持。

与此同时,反馈者也对《指南》中部分原则也提出了具体意见。

首先,尽管许多反馈者认同,虚拟银行应该像传统零售银行一样,在促进金融普惠方面发挥积极作用,但一些回应对象对监管预期的合理性提出了质疑,并且不赞同金管局要求虚拟银行不得设定最低余额要求或对客户收取低余额费用的这一规定。金管局指出,在香港引进虚拟银行的主要目的是利用这些银行的信息技术平台降低新用户的增量成本,促进金融普惠,因此虚拟银行不应该对客户提出最低余额要求或收取低余额费用。

其次,《指南》要求虚拟银行申请人必须提交市场退出计划,有少数反馈者不支持这一规定,因为针对传统银行申请人并没有类似的要求。鉴于虚拟银行业务在香港属于新商业模式,金管局认为出于谨慎考虑,有必要要求虚拟银行申请人制定退出计划。退出计划的目的是确保在必要的时候,虚拟银行可以有条不紊地结束业务运营,而不会对客户和金融系统造成干扰。业界领先的海外监管机构已经对虚拟银行申请人提出了类似的要求。

第三,一些反馈要求金管局降低虚拟银行申请人最低实缴资本3亿港元的规定。《银行业条例》规定,最低实缴资本要求为3亿港元,这一规定适用于所有持牌银行,虚拟银行也不能除外,因此不可能降低虚拟银行的最低资本要求。

有多封反馈希望金管局能进一步说明《指南》中的部分原则。金管局已采纳多项意见,并对有关段落进行了适当修改。公众咨询期间收到的意见和金管局回应的详细摘要,可参阅附件1的咨询总结。与咨询文件相比,主要变化在修订版《指南》中高亮显示,具体参见附件二。

金管局自2017年9月宣布鼓励在香港开展虚拟银行业务以来,已经有50多家公司查询并表示有意开展虚拟银行业务。虽然目前尚不清楚其中有多少公司最终会提出申请,但是需要注意的是,完成审批程序需要申请人和金管局调动各种资源,为之努力。在8月31日前提交申请的公司,有可能成为首批申请者。

金管局将会优先处理满足以下条件的申请者:(1)申请人拥有足够财力、技术和其他相关资源来运营虚拟银行; (2)申请人能够提供可靠可行的商业计划,能够提供新客户体验并有助于促进金融普惠和金融科技的发展; (3)申请人已经开发或有能力开发适合的IT平台支持商业计划;(4)申请人获得牌照后能够尽早运营。

香港金管局总裁陈德霖表示,能够在公众意见征求期间得到广泛支持,是金管局的荣幸,一些感兴趣的机构人士已经开始向金管局递交申请,金管局会仔细并尽快对这些申请进行评估,希望可以在年底或明年第一季度开始向虚拟银行发放牌照。

The Hong Kong Monetary Authority (HKMA) published today a revised Guideline on Authorization of Virtual Banks (the Guideline) following the completion of a public consultation.

During the public consultation, the HKMA received submissions from a total of 25 respondents, including the Hong Kong Association of Banks, the DTC Association, the Consumer Council, chambers of commerce, an industry association from the fintech community, technology companies and professional firms.

All respondents supported the introduction of virtual banking in Hong Kong. Most of them agreed that virtual banks should be subject to the same supervisory requirements applicable to conventional banks. No respondents raised objection to allowing both financial and non-financial firms to operate a virtual bank in Hong Kong, and there was broad support for virtual banks to operate in the form of a locally-incorporated entity with no physical branches.

Specific comments were, however, received on several principles in the Guideline. Firstly, while many respondents agreed that virtual banks, like conventional retail banks, should play an active role in promoting financial inclusion, a few respondents questioned the reasonableness of this supervisory expectation and did not favour the requirement on virtual banks not to impose minimum balance requirements or low-balance fees on customers. The HKMA would like to point out that a key objective of introducing virtual banks in Hong Kong is to help promote financial inclusion by leveraging on these banks’ IT platforms that would lower the incremental cost of taking in additional customers. The HKMA therefore remains of the view that virtual banks should not impose any minimum balance requirements or low-balance fees on customers.

Secondly, a few respondents did not support requiring virtual bank applicants to produce an exit plan, on the ground that no similar requirement applied to conventional bank applicants. Given that virtual banking is a new business model in Hong Kong, the HKMA considers it prudent to require virtual bank applicants to develop an exit plan. The purpose of an exit plan is to ensure that, should it become necessary, a virtual bank can unwind its business operations in an orderly manner without causing disruption to the customers and the financial system. Leading overseas supervisory authorities have introduced similar requirements for virtual bank applicants.

Thirdly, several respondents requested the HKMA to lower the minimum paid-up capital requirement of HK$300 million for virtual bank applicants. It should be noted that the minimum paid-up capital requirement of HK$300 million is stipulated in the Banking Ordinance and is applicable to all licensed banks. It is neither possible nor appropriate to lower the minimum capital requirement for virtual bank licensees.

A number of respondents requested the HKMA to elaborate on some of the principles contained in the Guideline. The HKMA has taken on board many of these comments, and has made suitable changes to the relevant paragraphs in the Guideline. A detailed summary of the comments received during the public consultation and the HKMA’s responses can be found in the Consultation Conclusions at Annex 1. A revised Guideline, highlighting the key changes compared with the version published for consultation, is at Annex 2.

Since the HKMA announced its intention to encourage virtual banking in Hong Kong last September, it has received enquiries and indications of interests from over 50 companies. While it is unclear at this stage how many of these companies will eventually put in applications to operate a virtual bank, they should appreciate that the vetting and approval process entails extensive resources and efforts by both the applicants and the HKMA. For those companies that have not been able to submit a substantially complete application to the HKMA by 31 August 2018, they are most unlikely to be included in the first batch of virtual bank applications to be processed by the HKMA. In processing these applications, priority will be given by the HKMA to those applicants which can demonstrate that (i) they have sufficient financial, technology and other relevant resources to operate a virtual bank; (ii) they have a credible and viable business plan that would provide new customer experience and promote financial inclusion and fintech development; (iii) they have developed or can develop an appropriate IT platform to support their business plan; and (iv) they are ready to commence operation soon after a licence is granted.

Mr Norman Chan, Chief Executive of the HKMA, said, “We are pleased to have broad support received during the public consultation for the development of virtual banking. Interested parties are beginning to submit applications to the HKMA. We will evaluate the applications carefully and expeditiously, applying the principles set out in the revised Guideline. We hope to be in a position to start granting licences to virtual banks towards the end of this year or in the first quarter of next year.”


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

栀航 | 未央团队未央编辑团队

41
总文章数

TA还没写个人介绍。。。

香港虚拟银行发牌的动因与前景

曾刚、栾稀 | 新浪财经 09-13

巨头争夺香港虚拟银行牌照

全天候科技 09-02

未央今日播报:银保监会发布“信9条” 小米或将进军虚拟银行

未央研究 08-20

都想要的虚拟银行3亿起步注册,哪些机构容易拿?申请要点全解析

裨将 | 互联网金融... 06-08

未央今日播报:香港金管局开放“虚拟银行”,最快年底发放牌照

未央研究 05-31

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1