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英国支付服务商还没为无条件脱欧做好准备

每年,欧洲银行业管理局(后文简称EBA)都会发布一份年度风险评估报告。

而在今年的报告中EBA指出,许多规模较小或者业务较为简单的英国支付服务提供商可能还未就“无条件脱欧”做好准备。

EBA认为,这种情况非常令人担忧。因为多个设立在英国大型机构通过跨境模式提供了大量的支付服务,而在脱欧之后,如果平台还想继续为英国客户提供服务,就必须在明年3月前在欧盟开设新分支机构。目前,已经有不少银行和保险公司选择在欧洲大陆开设新中心,以便应对新发情况,保持与客户的有效沟通交流。

对英国脱欧后状况表示担心的不止EBA一家。

就在上个月末,游说集团Frankfurt Main Finance警告称,一旦明年3月后各大金融服务公司总部迁至德国和伦敦以外地区,伦敦地区将可能会有高达8000亿欧元(7000亿英镑)的资产转移至法兰克福。按照Frankfurt Main Finance的说法,目前已经有30家银行和金融公司确认选择法兰克福作为新欧盟总部所在地,还有7家很有可能做出相同选择。

Payment providers in the U.K. are not fully prepared for the chance of a no-deal Brexit, warned the European Banking Authority late last week.

According to a report in Reuters citing the European Union’s watchdog for the payments industry, the regulator said in its Risk Assessment Report, which it releases each year, that it was worried that the smaller and less sophisticated payment companies don’t have plans in place to deal with a no-deal Brexit. The regulator said the lack of contingency plans from payment and e-money firms is particularity worrisome. “The latter are of particular importance from an EU27 perspective, because of the large volumes of payments business being offered by U.K.-based institutions through their cross-border passporting activities,” the EBA report said, according to Reuters.  In order to continue serving customers in the U.K., the payment firms would have to open new operations in the EU by March. Many banks and insurance firms have already opened new hubs, noted the report. “For such institutions, contingency planning, including relocation, where appropriate, is needed, and effective communication with customers ex-ante to prepare for any disruption is vital,” the report said, noted Reuters.

The European Banking Authority isn’t the only one painting a dire picture if there is a no-Brexit deal. Late last month Frankfurt Main Finance, the lobbying group, warned London alone could lose as much as €800bn (£700bn) in assets to Frankfurt. That could come by March as financial services companies begin moving their headquarters to Germany and out of London. According to the lobbying group, 30 banks and financial companies confirmed they chose Frankfurt for the city for their new EU headquarters and seven more should follow suit. That, warned Frankfurt Main Finance at the time, will result in billions of pounds worth of assets leaving the U.K, in the first half of next year.  “All in all, we expect a transfer of €750bn to €800bn in assets from London to Frankfurt, the majority of which will be transferred in the first quarter of 2019,” said Hubertus V?th, the managing director of Frankfurt Main Finance.

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