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专栏区块链国际资讯

KPMG为新加坡财务预算提建议,涵盖金融科技、物联网等5个领域

专栏区块链国际资讯

KPMG为新加坡财务预算提建议,涵盖金融科技、物联网等5个领域

近日,毕马威向新加坡2019年财务预算提出了几项建议,包括加大投资推动金融科技利用率、推出税收优惠提高网络恢复能力和加强研发等多个方面。

毕马威呼吁采取措施助力五大关键行业的公司发展,这些行业包括金融服务、房地产、医疗保健和生命科学、消费零售以及技术,并认为这将对新加坡实现“智能国家”的愿景大有裨益。

金融服务

毕马威建议采用新的金融行业数字部署计划,更好地帮助仍然面临时间、财务成本和新技术实施阻力等部署挑战的金融服务公司,以便更广泛地部署金融科技解决方案。

针对部署产生的50%的支出,它建议增加新加坡金融管理局2.25亿新元的金融行业技术和创新(FSTI)拨款,以提高数字支付、区块链、云、数据和分析、以及人工智能和机器学习等新技术的利用率。

它还建议扩大FSTI概念验证计划,为在新加坡拥有大量贸易融资业务的金融机构提供高达50%的合法成本,助力贸易交易和融资活动扩散的监测平台的早期开发。

毕马威表示,这些计划将推动行业发展,并"推动金融科技的部署从实验进入实施阶段"。

技术

除鼓励物联网(IoT)开发和采纳的税收减免和补贴外,毕马威还建议对董事会和高级管理层进行强制培训,并为加强治理和风险管理以及提高防范的公司提供分层税收优惠或退税,从而提升网络恢复能力。

毕马威还建议建议,将网络安全解决方案方面投资的70%资金提供给中小型企业(SME),并将对其他开发网络安全相关技术的企业投资比例也提升到50%。

房地产

毕马威提议采用激励措施,鼓励私营企业采用技术(房地产科技)建立可持续性更高的绿色房产生态系统。

为了支持绿色贷款和抵押贷款,它建议针对金融机构通过绿色住宅和商业房产购买和开发贷款获得的利息收入实行5%的优惠税率。

另一项建议是向绿色房产所有者提供200%的融资成本税收减免和30%的房产退税,从而增加绿色房产的需求和供应。

为了为绿色建筑创造市场溢价,毕马威表示可以考虑对开发商出售商业和住宅绿色建筑获得的收益减免50%的税收,对绿色房产转让退还50%的印花税。

医疗保健

毕马威对医疗保健的建议包括促进医疗保健数据同步的共同"数据湖",以及医疗保健服务提供商和生命科学公司参与数据共享的风险回报框架。

为了吸引和留住研发人才,毕马威建议在新加坡为跨国集团的相关外国实体减免150%的研发税费。

目前,250%的研发税费减免仅适用于在新加坡进行的研发,新加坡纳税人正是这些活动的受益者。毕马威建议,与当地研发活动相关的海外研发都可以享受此项减免。

消费零售

毕马威呼吁零售商实现更高程度的数字化。为了鼓励更多的生活方式创新,它建议在数据和分析等新领域,针对新加坡当地服务供应商的规定开支实行250%的税收减免,针对海外服务供应商的规定开支实行200%的税收减免。

INVESTMENTS to drive fintech adoption, tax policies to increase cyber resilience and the adoption of new technologies, and enhance R&D (research and development) are among KPMG's suggestions for Singapore Budget 2019.

It has called for measures to help companies in five key sectors -  financial services, real estate, healthcare and life sciences, consumer retail and technology - that have substantial upsides for Singapore to realise its Smart Nation vision.

FINANCIAL SERVICES

KPMG has suggested a new Financial Sector Digital Deployment scheme to facilitate the deployment of fintech solutions on a wider scale as more could be done to help financial service companies that still face deployment challenges such as time, financial costs and resistance in implementing new technologies.

It has proposed extending the Monetary Authority of Singapore’s S$225 million Financial Sector Technology and Innovation (FSTI) grants based on 50 per cent of outlay incurred for deployment, to drive the adoption of digital payments, blockchain, cloud, data and analytics, as well as artificial intelligence and machine learning.

It also proposed extending the FSTI proof-of-concept scheme to provide up to 50 per cent of qualifying costs to financial institutions that have substantial trade finance businesses in Singapore to aid early-stage development of a platform for monitoring trade transactions and proliferation financing activities.

KPMG said these schemes would drive sector growth and "move fintech deployment from an experimentation to implementation phase”.

TECHNOLOGY

In addition to tax reductions and allowances to encourage the development and adoption of the Internet of Things (IoT), it suggested mandatory training for boards and senior management, as well as tiered tax concessions or rebates for corporations that enhance governance, risk management and vigilance to boost cyber resilience.

It has suggested funding small and medium enterprises (SMEs) up to 70 per cent for investment in cybersecurity solutions, and up to 50 per cent for other types of companies that develop cybersecurity-related capabilities.

REAL ESTATE

KPMG has proposed incentives to encourage private sector adoption of technology (proptech) to build a more sustainable green property ecosystem.

To support green loans and mortgages, it has recommended a 5 per cent concessionary tax rate for financial institutions on interest income from loans for the acquisition and development of green residential and commercial properties.

Another suggestion was to increase demand and supply for green properties by offering a 200 per cent tax deduction on financing costs and 30 per cent property tax rebate for green property owners.

To create a market premium for green buildings, KPMG said a 50 per cent tax exemption on gains by developers from the sale of commercial and residential green buildings, along with a 50 per cent rebate on stamp duty on conveyancing of green properties could be considered.

HEALTHCARE

Its suggestions for healthcare include a common “data lake” to facilitate the synchronisation of healthcare data, as well as a risk-reward framework for healthcare providers and life sciences companies to participate in data sharing.

To attract and retain R&D talent, the firm suggested tax deductions of 150 per cent of costs on R&D conducted in Singapore for a multinational group’s associated foreign entities.

Currently, the 250 per cent R&D tax deduction is only available for R&D performed in Singapore, and where the taxpayer is the beneficiary of these activities. It calls for overseas R&D to be included in this deduction as long as it is linked to local R&D activities.

CONSUMER RETAIL

KPMG has called for more digitalisation among retailers. To encourage more lifestyle innovation, it has suggested a 250 per cent tax deduction for local spending for prescribed expenses made to Singapore-based service vendors, and a 200 per cent tax deduction for payments for prescribed expenses made to overseas service vendors in the adoption of new fields such as data and analytics.

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