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国际资讯监管与政策

法国央行对英国金融科技创企“后脱欧”规划发起调查

近日,多家英国金融科技创企收到了法国央行的通知,后者要求这些创企尽快阐明自己在“后脱欧”时期的发展规划。

按照英国当局的说法,这些创企主要是在“法国开展支付或者电子货币服务”的企业。

得益于现有的欧盟护照法规,这些公司还是可以根据自己在英国获得的授权进行企业运作。但是,如今英国脱欧已经逐步展开,这项授权保护措施也即将于2020年底到期。

对此,伦敦金融科技公司Azimo首席执行官Michael Kent表示,这个提醒非常及时,警示企业及时考虑英国退欧对企业发展带来的潜在破坏性影响。

不过,也有企业提前做好了准备。比如新兴银行Revolut就在申请英国运营牌照之前就在立陶宛申请了执照。

行业机构Innovate Finance首席执行官Charlotte Crosswell表示,法国央行的这次行动其实是可预见的,不过就目前的形式来看,留给金融创企的准备和转变时间也不是很多了。

这些创企通常资源也都很有限,所以期待这些企业实现“双轨制”运营模式也不是很现实。

所以,Kent希望有关政府和政策决策者能够积极努力,维持伦敦全球金融科技和金融服务领导者的地位。

 

Payment providers and fintech companies in the UK have been put on notice by the French central bank, in an email from the bank’s regulatory unit that questioned firms’ intentions in France post-Brexit.

The email seen by City A.M., which was sent last week to firms highlighted by “UK authorities as providing payment or electronic money services in France”, requested information regarding their Brexit contingency plans.

Without an European licence, these firms currently operate in the EU under passporting laws, which protect their rights to function under their British authorisation and are set to expire at the end of 2020.

Michael Kent, chief executive of London fintech firm Azimo which was one of the email's recipients, told City A.M. that it was “a timely reminder” for the political establishment and the fintech industry to consider the potential disruptive impact of Brexit.

The following survey that fintechs were expected to fill out asked for information like where the company might choose as its next base within the European Economic Area, and by which date it expects to be authorised to operate within the EU.

Many fintechs have already taken steps to achieve European authorisation, including star banking challenger Revolut which chose to apply for a licence in Lithuania before attempting an application in the UK.

Charlotte Crosswell, CEO of industry body Innovate Finance said that while the move from France was expected, "it underlines the fact that time is running out for fintech companies to get information from the Brexit process on what happens next, and how they should prepare."

"These are in many cases smaller companies with limited resource and we can not expect them to have a dual track process while negotiations continue as costs are too high."

Kent agreed, adding: "We need reassurance from government and policymakers that they will do all they can to ensure that the London remains the undisputed leader of global fintech and financial services."

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