最有看点的互联网金融门户

最有看点的互联网金融门户
专栏国际资讯基于互联网平台的金融业务

从8项监管新规看2019亚洲金融科技走向

专栏国际资讯基于互联网平台的金融业务

从8项监管新规看2019亚洲金融科技走向

亚太各国针对银行业和金融科技的监管似乎总是有些难以互相衔接。比如,中国按区域划分出台相关规定,而泰国和印度尼西亚却以消费者和行业利益为出发点,重点推出基础条例,帮助金融科技行业发展壮大。

以下列出的这些标准大多只适用于个别地区。不过这些地区也在相互观望,希望形成一个统一标准,以满足现有的金融服务需求。近日,凯捷咨询公司(Capgemini)和法国巴黎银行(BNP Paribas)联合编制发布了一份《2018年世界支付报告》,下面笔者将简单为您介绍一下报告所罗列的亚太地区各项金融计划和监管规定。

1.中国移动支付遭约束

随着腾讯和阿里巴巴等公司推出的电子支付平台飞速崛起,中国监管机构逐渐意识到电子支付每日交易金额之庞大,于是对这类平台推出了一些约束条例,以期减缓其发展速度。比如,中国人民银行将支付平台的备付金交存比例从之前的20%提高到50%。

2.柬埔寨出台PSP许可证规定

2017年,柬埔寨央行发布支付服务提供商(PSP)新规定,要求所有提供可接受电子支付服务的企业,注册资本至少要达到200万美元(相当于80亿里尔),希望借此提高行业稳定性,鼓励规模较小的企业进行整合。此外,获得许可证的企业需要将5%的实付资本存入柬埔寨国家银行(NBC)。

3.印度央行(RBI)禁止发行担保书(LoCs)和同意协助书(LoUs)

在旁遮普国民银行(Punjab National Bank)遭遇17.7亿美元欺诈后,印度央行禁止印度所有银行发行担保书和同意协助书。这两种产品是进口商以较低费用取得外汇的两种工具,所以印度央行该决策可能会导致进口成本增加0.5个百分点。

4.新加坡电子支付用户保护指南

2018年9月,新加坡金融管理局(MAS)出台了一系列指南,防止人们在电子支付时遭遇诈骗、付款错误及其他安全问题,目前已同时覆盖所有电子支付和金融机构(如银行、保险公司和提供储值支付服务的企业)用户。用户可能需要:1)提供最新的联系方式;2)关注交易通知以尽早发现可疑活动;3)采取安全防范措施,如安装最新的软件更新、交易时在手机或电脑上安装补丁以及必要时安装杀毒软件。

5.泰国支付系统法案

2017年10月,泰国公布了支付系统法案,授权财政部和泰国央行对支付系统进行管理,以达到消费者保护、风险管理、金融稳定的目的。该法案要求企业获得财政部的许可,按规定支付行政罚金和刑事罚款。

6.印度尼西亚国家网关支付规定

2017年,印尼央行发行新的网关支付规定,希望为银行业消费者提供安全有效的支付系统。该规定允许使用电子资金、任意发行方发行的可在自动取款机上使用的借记卡和信用卡、数据捕捉设备以及网关支付。

7.泰国国家电子支付系统

2016年,泰国推出了一个由政府出资建立的电子支付系统。专家认为该系统能推动本国电子商务行业的发展,将泰国变成一个无现金国度。第一阶段是在泰国各大银行推出P2P电子资金转账服务,名为PromptPay。第二阶段,允许通过电子支付购买商品和服务,支持个人所得税申报、补贴及福利服务。

8.对外国第三方支付公司开放中国市场

2018年,中国央行表示中国正逐渐将本国市场向外国第三方电子支付公司开放,并鼓励零售支付业的竞争,但外国第三方企业在中国设立分公司,必须先取得央行颁发的支付服务许可证。央行还要求其保留客户数据及其他财务信息,反映出中国对在华外资银行所发行银行卡的监管力度。

Asia Pacific regions are somewhat disjointed when it comes to banking and fintech-related regulations, with countries like China moving towards more region-specific and refined rules, while countries like Thailand and Indonesia are still trying to introduce basic, yet important regulations to help the financial tech segment grow while keeping customer and industry’s best interests at heart.

Many of the standards listed below only apply to one region or another, but showcases that these regions all look to each other, and are seemingly moving towards a similar standard to answer current demands on financial services. The following is a list of initiatives, regulations and standards that have been listed in the World Payments Report 2018, by Capgemini and BNP Paribas.

1. China’s Sanctions on Mobile Payments

Following the meteoric rise of payments platforms from companies like Tencent and Alibaba, Chinese regulators grow increasingly concerned about the amount of transactions that e-payment platforms manage on a daily basis. To address those concerns, some sanctions on these apps are being introduced, which would also have the effect of somewhat slowing down their rapid development. For example, the People’s Bank of China have raised the reserve fund requirements on payment platforms up to 50% from the earlier 20%.

2. Cambodia’s PSP Licensing Rules

Cambodia’s central bank in 2017 issued new regulations to govern payment service providers (PSPs), which requires all firms offering the service to accept electronic payments and have at least US$2 million, or 8 billion riel in registered capital, in hopes of increasing the stability of the sector and encourage the consolidation of smaller players. The licensed firms are required to deposit 5 percent of their paid-up capital with the NBC.

3. RBI’s Ban on LoCs and LoUs

Fraud worth Rs12,700 at Punjab National Bank has led the Reserve Bank of India (RBI) to ban the use of letters of undertaking (LoUs) and letters of comfort (LoCs), two instruments issued by Indian banks to domestic importers to get foreign exchange from banks abroad at a cheaper rate. The decision could potentially push up costs of imports by up to half a percentage point.

4. Singapore’s ePayment User Protection Guidelines

The Monetary Authority of Singapore (MAS) has issued guidelines to protect its people using electronic payments from frauds, errors and security threats in the midst of Singapore’s cashless push. The guidelines, issued in September 2018, covers users of e-payments and financial institutions (banks, insurance providers, firms with stored value facilities and other intermediaries). Users are expected to provide updated contact information, monitor transaction notifications to spot suspicious activities early, and practise good security measures like installing latest software updates, and patches for their mobile or computer devices used in the transaction, and also installing antivirus where applicable.

5. Thailand Payment System Act

The Payment System Act published on October 2017, empowers the Ministry of Finance and the Bank of Thailand to regulate and supervise payment systems for, among others, customer protection, risk management, financial stability, and etc. This includes requiring a license to operate by by the Ministry of Finance, and being subject to administrative fines and criminal penalties.

6. Indonesia National Payment Gateway Regulation

Indonesia’s central bank issued new payment gateway regulation in 2017 with a goal of providing efficient and secure payment system for banking customers. The regulation seeks to make transactions easier and cheaper for bankign customers by allowing electric money, debit and credit card of any issuer to be usable at any automatic teller machine, data capture device or payment gateway in the archipelago.

7. Thailand’s National e-Payments System

In 2016, Thailand announced a government-sponsored e-payment system which experts believed will help buoey the country’s growing e-commerce industry, and transform the country into a cashless society. The first phase is launching ane electronic money transfer service at all major Thai banks called PromptPay for peer-to-peer transfers, and the second phase is to allow electronic payments for goods and services, personal income tax returns and subsidiaries and welfare services.

8. China’s Access to Foreign Third Party Payment Firms

China’s central bank announced in 2018 that it is opening the country’s domestic market to third-party electronic payment firms to help competition in retail payments, as long as foreign third-party firms are required to set up a local business to apply for a payment services license from the central bank. The central bank also requires foreign third-party electronic payment firms to store client data and other financial information of their operations in China, which mirrors the regulations for foreign bank cards seeking to operate in China.

If you’re interested to find out more about the regulatory landscape in Europe check out this post here from our sister site Fintech News Switzerland

本文系未央网专栏作者Claudia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!

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