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专题报告:新加坡与伦敦如何成长为地区金融科技中心?(附下载链接)

其他国际资讯

专题报告:新加坡与伦敦如何成长为地区金融科技中心?(附下载链接)

近日,英格兰和威尔士特许会计师协会(后文简称ICAEW)和新加坡特许会计师协会(后文简称ISCA)联合发布了一份金融科技研究报告。

该报告主要针对伦敦和新加坡两地的金融科技产业生态环境进行了分析。报告显示,正是详细而因地制宜的产业政策推动了两个城市的金融科技产业发展,并助力其成为领先的地区金融科技中心。

报告指出,金融科技中心的形成有5点核心要素,分别是市场、人才、资本、监管和政府支持

而伦敦和新加坡恰好同时具备了上述这些要素,比如:

  1. 面向重要金融服务市场的渠道;
  2. 充足的金融科技投资来源;
  3. 丰富的金融服务、技术和监管人才资源;
  4. 以及积极的政府监管机构支持。

当然,因为历史、地理和社会经济因素的差异,两个城市在具体的政策方面也有些许不同。

比如,作为通向东南亚新兴市场的重要门户,新加坡更加重视初创企业与现有市场机构的合作,同时采用较为渐进的模式鼓励整个金融科技生态系统内的参与者相互协作。

而与之不同的是,伦敦更倾向于鼓励创新力量颠覆传统产业,在不断发展的过程中做大做强,也就是说,“竞争”才是英国金融科技产业及监管机构的主旋律。

报告原文下载:《Fintech innovation:perspectives from Singapore and London

A report has been published summarising the findings from research by ICAEW (The Institute of Chartered Accountants in England and Wales) and ISCA (Institute of Singapore Chartered Accountants) into FinTech in London and Singapore. The two cities show the importance of tailoring detailed measures to reflect local differences. Singapore, for example, puts stronger emphasis on collaboration between start-ups and the established sector, and acts as a gateway to new markets across Southeast Asia. By contrast, in London, there is more of a push for start-ups to disrupt the incumbents in financial services and more focus on the challenges of scaling up FinTech businesses.

The report identifies five elements that combine to make a FinTech hub: markets, talent, capital, regulation and government support. The report says that both London and Singapore benefit from having all the key elements that support FinTech innovation in a single location with both having:

  1. access to significant markets in financial services;
  2. investors who are providing capital to fintech companies. deep talent pools in financial services, technology and regulation; and
  3. regulators and governments who are actively supporting innovation and the growth of the sector.

The UK Financial Conduct Authority (FCA) and the Monetary Authority of Singapore (MAS) have some differences in emphasis.Increasing competition is a key driver behind the UK approach to fintech, and the FCA has a specific competition-focused objective. In Singapore, while competition is encouraged, a more collaborative approach is taken across the ecosystem. This has led to differences in policies. The FCA has been quite aggressive in pushing measures to increase competition and demand for newservices. Singapore, in contrast, has taken a more incremental approach.

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