最有看点的互联网金融门户

最有看点的互联网金融门户
专栏国际资讯监管与政策

提高股本要求,尼日利亚央行新政被控抑制当地Fintech创企发展

专栏国际资讯监管与政策

提高股本要求,尼日利亚央行新政被控抑制当地Fintech创企发展

近日,尼日利亚央行(CBN)在一份政策草案文件中表示,虽然Fintech公司的产品正逐渐被接受,但是这些公司仍然会加大金融系统中的已有风险。

为了"应对风险管理和资本充足率等新兴问题",政策草案中要求Fintech创企在获得运营执照前必须满足最低27.5万美元至1400万美元的股本要求。这对于新Fintech公司来说无疑是一个巨大的入场壁垒。和大多数创企一样,Fintech创企在规模运营后主要依靠收益增长和投资支持。大多数尼日利亚早期创企即使不计算运营成本和开支的情况下,资本金也远低于CBN的上述股本金额要求。

虽然CBN本次政策一刀切,但会受影响的基本就是希望提供数字银行服务的创企。大多数尼日利亚的Fintech公司才刚刚起步,主要依靠风投公司投资提供资金支持,主要业务也是向金融生态圈中的传统机构提供服务并与他们合作。

此外,新成立的支付公司也可能会受影响,而这取决于他们申请哪类执照。虽然该政策还没有通过,但是已经产生了影响:一家新成立的数字银行公司联合创始人(名字应要求保密)在采访中说,他们公司的一些合作伙伴已经停止与之合作,而原因正是央行政策带来的不确定性。

解决支付问题是在尼日利亚打造欣欣向荣的科技行业重要的一环。而Fintech公司提供的便捷安全的网上交易,以及会员模式服务等都为解决这一问题提供了不小的帮助。

传统银行改变步伐缓慢,但值得注意的时,新一波数字银行已经针对尼日利亚熟悉互联网的年轻一代创造了产品和服务,并取得了不错的成绩,比如目前尼日利亚Fintech公司位于非洲被受投资者青睐的Fintech公司之列,最近几年获得的资金比例最高。

随着行业的发展,CBN必须在保护客户和创造一个不抑制发展的环境间取得平衡。上述数字银行联合创始人说:" 我们了解央行的意图是什么,就是避免消费者遭受损失。但在要求执照前,也许央行可以让Fintech公司证明他们的产品适合市场并且设定一个增长标准。这种软着陆的监管模式才能真正鼓励创新。"

New regulation requirements by the Central Bank of Nigeria (CBN) could make it difficult for some fintech companies to operate.

In a draft policy document, CBN recognized products by fintech companies are “gaining acceptance” but argued their emergence would heighten existing risks in the financial system.

To “address the emerging issues” such as risk management and capital adequacy, the policy proposal will require fintech startups to have minimum shareholder funds ranging from $275,000 to $14 million before obtaining licenses for their operations. It represents a significant barrier to entry for new fintech businesses which—like most startups—depend on revenue growth and investor backing after they launch to scale operations. Most Nigerian early stage startups raise well below the CBN’s new financial requirements even before taking into account they’d also have operating costs and expenses.

While the apex bank offers a blanket reference to fintech companies, the regulation will likely mostly impact startups looking to offer digital banking services. Most fintech companies in Nigeria are young venture-funded companies offering services and partnerships to traditional players in the financial ecosystem. Newly launched payments companies could also be affected depending on which licenses they require. Even though the policy has not been rubber-stamped, it’s already having an impact: a co-founder at a fledgling digital bank who asked not to be named tells Quartz some of the company’s partners have cut ties given the uncertainty around the central bank’s proposed policies.

Fixing payments has been a crucial step to building a thriving tech industry in Nigeria. It’s a problem that’s being progressively solved by  fintech startups making it easier and safer to transact online and to build offers such as subscription services.

And with traditional banks slow to adapt, a new wave of digital banks are also creating offerings targeted at the young, internet-savvy generation of Nigerians. Some of these efforts have paid off: Nigerian fintech companies are among the several in Africa that have become the most coveted by investors, receiving the highest share of funding in recent years.

As the industry evolves, CBN will have to find the right balance between protecting customers and creating non-stifling regulation.”We get what the Central Bank is trying to do because they’re trying to avoid situations where people lose money,” said the digital bank co-founder. “But before requiring a license, maybe the central bank can let fintech startups prove product-market fit and benchmark their growth up to a certain threshold. That’s the kind of soft landing that encourages innovation.”

本文系未央网专栏作者MM发表,属作者个人观点,不代表网站观点,未经许可严禁转载,违者必究!

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
M

MM

10
总文章数

TA还没写个人介绍。。。

新加坡:服务金融科技创企,专利审批时间大幅缩减

Intellectu... 12-13

金融科技创企Plaid获2.5亿美元C轮融资,互联网女皇Mary Meeker领投

Kate Clark 12-13

OneFi成为非洲第一家获得信用评级的金融科技公司

栀航 12-13

监管沙盒:看似无害,其实不然

渺渺 12-12

马来西亚:央行与证监会联合实施数字货币与ICO监管

Mark Emem | 巴比特资讯 12-10

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