The
chairman
of
HSBC
has
said
that
regulators
inChina
and
elsewhere
are
starting
to
consider
moreseriously
whether
technology
companies
that
provide
financial
services
should,
like
banks,
beregulated
more
heavily.
彙豐銀行(HSBC)董事長範智廉(Douglas
Flint)表示，中國和其他國家的監管者正開始更為嚴肅地考慮是否應對提供金融服務的科技公司進行更嚴格的監管。
The
comment
from
the
chairman
of
one
of
the
world’s
biggest
lenders
underlines
the
risk
forlarge
technology
groups
such
as
Alibaba
in
China
and
Apple
in
the
US
that
they
could
facestricter
regulation
as
they
move
further
into
financial
services.
來自全球最大銀行之一董事長的這番言論，突顯出中國的阿裏巴巴(Alibaba)和美國的蘋果(Apple)等大型科技集團所麵臨的風險：隨著它們繼續進軍金融服務領域，它們可能麵臨更為嚴格的監管。
Douglas
Flint
said
in
a
speech
at
Cass
Business
School
in
London
on
Thursday: “Regulators
allaround
the
world
are
reflecting
on
the
extent
that
internet
companies
are
providing
bankingservices
and
whether
they
should
be
regulated
as
such,
or
whether
they
are
just
providingaccess
to
banking
services.”
範智廉周四在倫敦卡斯商學院(Cass
Business
School)的一次演講中稱：“全球監管機構正考慮互聯網公司提供銀行業服務的範圍以及是否應對它們嚴加監管或者它們是否隻是為使用銀行業服務提供途徑。”
But
he
said: “My
view
is
that
most
technology
companies
will
want
to
be
partners
of
banks”because
they
would
find
the
extra
“burden
of
regulation” —
such
as
compliance
and
anti-money
laundering
rules
—
is
“not
something
they
want
to
take
on”.
但他表示：“我認為，大多數科技公司希望成為銀行的合作夥伴”，因為它們認為更多的“監管負擔”（例如合規和反洗錢規定）“並非他們希望承擔的”。
He
also
called
for
regulators
to
address
the
questions
around
the
use
of
consumers’
financialdata. “The
big
public
policy
question
that
you
all
should
be
thinking
about
is
who
owns
yourdata,
how
safe
is
it
and
who
is
responsible
if
it
goes
wrong.
他還呼籲監管機構解決有關利用客戶金融數據的問題。“你們都應思考的一個重大的公共政策問題是誰擁有你們的數據、數據是否安全以及如果數據安全出了問題誰對此負責。”
Responding
to
a
question
on
the
competitive
challenge
HSBC
faces
in
China
from
technologycompanies
such
as
Alibaba
and
Tencent,
Mr
Flint
said: “That
is
a
good
question
and
one
thatChinese
authorities
are
starting
to
grapple
with.”
在被問到彙豐在中國麵臨來自阿裏巴巴和騰訊(Tencent)等科技公司的競爭挑戰的問題時，範智廉回答：“這個問題問得好，中國政府正開始解決這個問題。”
The
HSBC
chairman
works
closely
with
Chinese
regulators
as
an
adviser
to
the
mayors
of
bothBeijing
and
Shanghai.
He
is
also
chairman
of
the
Institute
of
International
Finance,
whichinteracts
with
regulators
and
policymakers
on
behalf
of
500
of
the
world’s
biggest
financialinstitutions.
作為北京和上海市長的顧問，範智廉正與中國監管機構密切合作。他還擔任國際金融協會(Institute
ofInternational
Finance)主席，該協會代表全球最大的500家金融機構與監管機構和政策製定者溝通。
In
June,
Alibaba’s
financial
affiliate
company
launched
MYBank,
its
internet
bank,
withexecutives
pledging
to
use
the
Chinese
ecommerce
group’s
vast
amounts
of
customer
data
totarget
lending
to
small
businesses.
That
followed
the
launch
in
January
of
WeBank,
an
internetlending
joint
venture
led
by
Tencent.
今年6月，阿裏巴巴的金融子公司推出在線銀行網商銀行(MYbank)，其高管承諾將利用這家中國電商集團的大量客戶數據，將貸款瞄準小企業。今年1月，騰訊推出在線貸款合資公司微眾銀行(WeBank)。
In
the
US
and
Europe,
Apple
has
moved
into
the
payments
market
by
launching
Apple
Pay
to
letcustomers
pay
for
goods
using
their
phones,
while
Google
and
Facebook
are
also
building
uptheir
financial
services
offerings.
在美國和歐洲，蘋果已進軍支付領域，推出Apple
Pay，客戶可以用手機為商品付款，穀歌(Google)和Facebook也在推出各自的金融服務產品。
Many
bankers
hope
that
their
market
position
will
be
protected
from
the
challenge
oftechnology
groups
both
by
the
barrier
of
extra
regulation
and
the
belief
that
consumers
willnot
trust
internet
groups
to
protect
their
financial
data.
很多銀行人士希望，更多的監管壁壘以及認為消費者不會相信互聯網公司會保護他們的金融數據的看法，會讓銀行的市場地位不受科技公司挑戰的影響。
