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哥伦比亚:新总统上任能否带动该国普惠金融大发展?

其他国际资讯

哥伦比亚:新总统上任能否带动该国普惠金融大发展?

据路透社报道,今夏早些时候,Ivan Daqu以54%的选票击败了对手Gustavo Petroe,当选下任哥伦比亚总统。

Daque承诺,转型经济发展模式,团结国家、打击腐败、改善安全并增加教育机会。

此外,Daque还承诺减免税收并支持石油煤炭行业,刺激哥伦比亚3240亿规模的经济增长且今年增长率达2.7%。

结果公布之后,哥伦比亚比索和国库券价格一路走低,但期货投资流呈上涨趋势,这都是因为新总统的商业友善政策。

Baker McKenzie律所的Ciro Meza表示:"Ivan Daque当选后,包含本地和外国投资的商界将迎来财政改革,为公司减轻税负并且简化行政流程。"

但一些人担心,这些税收减免将拉大赤字,且导致出现一些并不受欢迎的改革。

不过,这一切也同样会成为金融科技显身手的绝佳舞台。哥伦比亚可以以金融科技增进普惠金融发展,而且也许当腐败问题解决、安全得到保障、如何转移资金的交易和银行效率得到提升后,金融科技行业能够发展壮大吸引更多投资。

目前,哥伦比亚的金融服务成本依然昂贵,90%在该国生活的人(数据来源:普惠金融中心)喜欢现金支付,因为这可以避免金融交易税。

而金融科技面临的最主要的一个问题就是信任,所以相关企业必须注重服务的质量。

当然,已经有一些创企走在了前列。比如Bancolumbia,该公司提供三个以顾客为中心的相关产品:

  1. 简化储蓄账户Ahorro a la Mano;
  2. Crédito a la Mano (对上述这个简化储蓄账户的现金流做分析后向账户使用者提供小型贷款);
  3. 机器人Emilia,这是硅谷金融科技创企Juntos开发的聊天机器人,提供友好的金融建议。

其实,未来哥伦比亚金融科技发展的挑战和前景还很大,比如支付电子化程度有待提高、无现金支付需要更加普及、金融科技创企需要更多发展空间、监管沙盒有待推出、辅助电信成本亟待降低。

然而,鉴于目前哥伦比亚整体国家经济状况,金融科技的发展可谓任重道远。

 

Ivan Duque was elected as Colombia's next President earlier this summer and will take up his new post tomorrow, slated to attempt to rebuild the economy and reset it to a place where it can grow despite major challenges.

With 54 percent of the vote's worth of support under his belt against Gustavo Petro, Duque promised to transform the country's economic model and tackle inequality, as reported in Reuters.

After the election results, the Colombian peso and Treasury bonds fell but in the future, investment flows are set to increase, because of the President's business-friendly policies.

Duque has pledged to unite the citizens, tackle corruption, improve security and increase the opportunity of education. "Peace is something all Colombians yearn for, and peace means that we turn the page on the fissures that have divided us," he said.

With tax cuts and support for the oil and coal industries, the new President has promised to bolster $324 billion economy and in turn, grow by 2.7 percent this year. Ciro Meza of law firm Baker McKenzie, said: "With the election of Ivan Duque the business sector, made up of both local and foreign investment, will see fiscal reforms that will seek a reduction of the tax burden for businesses and the simplification of administrative processes."

However, some are worried that these tax cuts will worsen the deficit and push through reforms that will not prove to be popular. All this makes it the perfect platform for the uptake of fintech through financial inclusion and perhaps the sector could establish itself enough to bring in more money for Colombia, once corruption is tackled, security is improved and education about how to move money and bank efficiently is circulated.

One issue in Colombia is that being financially included is still expensive and most of  those who live in the country (90 percent according to the Center for Financial Inclusion), prefer to pay in cash because of the financial transaction tax, which can be avoided with informalities.

At present, not using cash is more expensive for Colombians but as with any fintech, trust is a major barrier but all companies need to do is to introduce a customer-friendly service.

Examples that already exist include Bancolombia, which has three related products with promising customer-centricity implications; Ahorro a la Mano, a simplified savings account; Crédito a la Mano, which uses cash flow analysis from the simplified savings account to offer small loans to account users; and Emilia the robot, a chatbot developed with Silicon Valley fintech start-up Juntos that provides friendly financial advice to users.

In the future, payments need to be completely electronic and the option to pay without cash needs to be more widespread. In addition to this, fintechs need room to grow and thrive and sandbox-style initiatives need to be put in place and for this to happen, telcos needs to make mobile phones more affordable.

However, with other issues being more of a priority, fintech innovation could take years to flourish in Colombia.


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