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肯尼亚政府对大额转账加税,金融机构纷纷表示抗议

国际资讯基于互联网平台的金融业务监管与政策

肯尼亚政府对大额转账加税,金融机构纷纷表示抗议

近日据《金融时报》报道,肯尼亚计划出台一项新法令,对经由银行、转账机构和其他金融服务商超过50万肯尼亚先令(4950美元)的转账征收0.05%的消费税。

消息一出,就引发了肯尼亚银行家和基金经理的广泛抗议和不满。

肯尼亚银行家协会表示,拟议税将对“银行间市场和国际贸易投资等经济活动产生广泛的影响。”

此外,肯尼亚基金经理协会负责人Einstein Kihanda表示,这项提案可能会导致许多投资者的年度回报率下降5%。

他指出,这项法令会影响金融服务领域的各个方面。尤其是债券交易,因为其交易流程可能常常会涉及4笔交易。交易成本上升意味着交易频率和活力就会下降,进而影响市场流动性和吸引力。

目前,肯尼亚银行和基金经理协会都在向其成员征集意见,希望之后进一步与政府部门进行沟通。

本月早些时候,肯尼亚最大的移动电话运营商Safaricom也就另一项提议的增税措施提出了抗议。据了解,肯尼亚政府曾计划将对移动转账的消费税税率从10%提高到12%。

但Safaricom的首席财务官Sateesh Kamath认为,税收上涨只会阻碍现代支付系统的发展。

Kamath指出,移动资金转移的消费税增加将对移动主导的转移服务和支付产生负面影响,并放慢政府实现现金流量的目标。提高移动支付的税率将主要损害穷人的利益,因为他们中大多数人都没有银行账户,并依赖移动转账服务,如该公司旗下的M-Pesa平台。据了解,目前M-Pesa在东非国家拥有超过2600万用户。

Kenyan bankers and fund managers have warned a proposed “Robin Hood” tax on many transactions will threaten the future of the country’s economy.

According to the Financial Times, the finance bill includes a 0.05 percent excise duty on “money transferred by banks, money transfer agencies and other financial service providers” in amounts of more than Ks500,000 ($4,950).

The Kenya Bankers Association said the proposed tax would “have wide-ranging implications on the economy, including through the interbank market and international trade and investment.”

In addition, Einstein Kihanda, head of Kenya’s fund managers association, said he wanted to “fight” the proposal since it could “cut up to 5 percent off many investors’ annual returns.”

“As written, it affects almost everything we do across the financial services sector,” he said, adding that many trades, particularly of bonds, often involve four transactions.

“When you go to the wider economy the higher cost of transactions means traders will minimize activity, which affects liquidity and the attractiveness of the capital market,” he said. “You will end up informalising the economy at a time when the government is trying to grow the formal economy and the capital market.”

Both associations said they were consulting their members and would then raise their concerns with the government.

Earlier this month, Kenya’s biggest mobile phone operator, Safaricom, came out against another proposed tax rise which would increase the excise duty on mobile transfers to 12 percent from 10 percent.

But Safaricom’s CFO Sateesh Kamath said the tax hike would only serve to discourage the drive towards modern payments systems.

“Increased excise duty on mobile money transfers will negatively impact mobile-led transfer services and payments and slow down the government’s drive towards a cash-light economy,” said Kamath.

He added that raising the duty on mobile payments would mostly hurt the poor, most of whom do not have bank accounts and rely on mobile transfer services like the company’s M-Pesa, which now has more than 26 million users in the East African nation of 45 million.


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