Bureau of canal of Hong Kong gold will extend first quarter at the end of the year or next year 8-10 piece fictitious bank license plate, attracted gold of Tecent, ant to take, Beijing east finance, millet, broken bits hits 29 science and technology such as the bank or financial orgnaization " contest mark " , regard Asian finance as the center, hong Kong also becomes financial tycoon to open the below one station of border develop earth.
According to media coverage, bureau of canal of Hong Kong gold announces will extend first quarter at the end of the year or next year 8-10 piece fictitious bank license plate, first fictitious bank license plate applies for already in August the last day closes gate formally.
As we have learned, golden canal bureau ever disclosed, the company that runs fictitious bank in Hong Kong of purpose exceeds 50, and up to on August 31 afternoon 5 when, gold of Tecent, ant is taken, Beijing east risk of finance, millet, numerous security, Welab, China is restful (601318, ) , broken bits makes a bank (Hong Kong) , 29 science and technology such as the bank that collect abundant or financial orgnaization are participated in " contest mark " , most all with solely invested or the form that creates joint-stock company gives out license plate application.
So, let financial tycoons what is the fictitious bank license plate of scramble for sth after all, how to hold a card to enter Hong Kong money market to having the strategy one time to think again?
As we have learned, bureau of canal of Hong Kong gold was encouraged in September last year introduce fictitious bank, released on May 30 this year " of fictitious bank approbate " file, indicate issue as before puts a fictitious bank card to already was become finality. Provide the definition of the bureau according to gold, fictitious bank basically passes Internet or the branch of substance of electronic channel and rather than of other form provides retail bank service, orgnaization of bank, finance and company of science and technology all can apply for to create fictitious bank.
Endowment thing gentleman thinks, many sided is integrated the element facilitated Hong Kong of fictitious bank be born. Dust Sen Zhe (Accentture) ever did a data to investigate last year, consumer of indication Hong Kong is spent to satisfaction of current situation of Hong Kong bank only 53 ％ , groovy dot includes to open bank account difficulty to wait in Hong Kong, hong Kong banking is adjusted into industry Wu urgently reach optimize; Additionally a research shows client of 57 ％ Hong Kong already got ready accept its the mode of fictitious bank operation of main finance orgnaization, can say instantly creates fictitious bank " meeting meantime " .
Additional, hong Kong is beginning to drive banking to upgrade to transition of finance of science and technology from many sided, especially since this year movement again and again, if will be by September,roll out pay a system quickly, make the 2 thinking with business current door pile up science and technology of standard, finance to superintend sandbox to upgrade 2 version (company of science and technology can use sandbox directly, not need to pass a bank, can pass chatting room and golden canal bureau to communicate directly) etc, and creating fictitious bank also is among them a significant move.
So, why does bureau of canal of Hong Kong gold ask to establishing Hong Kong fictitious bank to have after all?
Endowment thing gentleman read through " of fictitious bank approbate " the discovery after the file, compare traditional bank, its are more strict to the superintendency regulation of fictitious bank, lowest should be satisfied like asking the applicant follows traditional bank when application is established the capital requirement of 300 million HK dollar, at the same time must the parent company rearward with powerful actual strength is made prop up, and should prepare the market to quit a plan.
In short, need capital namely abundant and the financial orgnaization that is approbated by bureau of canal of Hong Kong gold or group company.
In addition, afore-mentioned files establish fictitious bank to relax to be not financial orgnaization requirement, can register first " intermediate holding company " , again from this the company accuses a fictitious bank. File a requirement according to this, not only orgnaization of Hong Kong traditional bank, if collect abundant bank, broken bits to hit,can participate in the bank this second " contest mark " in, take like ant gold, Beijing east the company of financial science and technology such as finance also hopeful takes fictitious bank license plate.
The photograph is more traditional the bank, fictitious bank is having multiple imagination space. Above all, its operation cost greatly under traditional bank; Next the client can open account at any time and place, convenient and quick; More important is, fictitious bank but science and technology of finance of have the aid of is offerred for the client more the finance of diversification serves, blend in a client to live daily, form powerful stickiness, the client experiences also excel tradition bank.
The personage inside course of study points out, money market of Hong Kong of fictitious bank be born, will cause catfish effect, promote traditional bank to quicken transition to upgrade, or consolidate further position of Asian banking center.
Go to Hong Kong, reap financial welfare
Go 3 years, the money specified amount that invests the accumulative total of company of financial science and technology that is in Hong Kong already amounted to 940 million dollar, financial science and technology already became the important grasper that division of big bay of HongKong and Macow of another name for Guangdong Province develops. Accelerate transition of financial science and technology as Hong Kong, hong Kong also extends olive branch to tycoon of outback finance science and technology, be like to pay treasure, small letter issue shift to pay license plate to wait, appetent use force of financial science and technology to promote development of industry of Hong Kong banking jointly.
Pay license tag than shift, fictitious bank license plate contains Troy taller. The personage inside course of study points out, shift pays is a tool only, fictitious bank is equivalent to introducing the professional work of finance of one a complete set of, the Wu of 3 great undertaking besides traditional bank " put borrow collect " outside, the Internet innovation business such as conduct financial transactions, gold, insurance all can try, and to already was for the financial tycoon with outback market old deep ploughing, rich operation experience is had in this respect, hong Kong also will make the new market with indispensable the next.
Hong Kong is base camp of market of Tecent group capital, nature won't be absent this license plate contends for battle, according to " bright newspaper " the report before this, in silver-colored Hong Kong, Beijing east financial general and Tecent establish tripartite alliance, apply for Hong Kong fictitious bank together, final nevertheless or greater opportunity with small numerous bank solely invested application, ant gold takes a decision to apply for license plate by oneself, future inspects case study introduce a partner again.
Besides, company of outback finance science and technology is like Beijing east finance, millet finance, all show great interest to fictitious bank license plate. On August 22 outstanding achievement of the newspaper in millet is met on, millet expresses special the opportunity that values innovation of Hong Kong money market, do not eliminate the possibility that cooperates with local finance orgnaization. As we have learned, millet already saw company of financial science and technology at establishing a hole this year in June, plan march market of Hong Kong fictitious bank, see attitude be in to annals of this one license plate must. And numerous bring online unwilling also give the impression of weakness, held water on August 8 numerous bring fictitious banking limited company, the hope becomes first fictitious bank.
This round of license plate is open, before also attracting traditional bank of a batch of Hong Kong, come " contest mark " . Make a bank according to broken bits (Hong Kong) government-owned net announcement shows, already established one enterprise substance on August 30 not battalion carries fictitious bank prepares, if license plate allots smoothly, will become first marching the big travel of Hong Kong fictitious bank. In the meantime, the bank that collect abundant also participated in application of this round of license plate, east Asia bank, medium silver-colored Hong Kong is considering to apply for fictitious bank license plate.
Endowment thing gentleman thinks, the photograph of B2C business characteristic that produces in the light of huge consumer market with inland is compared, group of ecology of science and technology of Hong Kong finance suits B2B business development more. Sheet is with money management science and technology exemple, one Hong Kong is Asian insurance, hold fictitious bank license plate, can extend this part business effectively, at the same time this kind of Hong Kong simple government framework, clean-fingered administration operates, suit to make the attempt of internationalization relatively, will take for ant gold, Beijing east finance " go to sea " accumulate rich operation experience, and picture Tecent, numerous install online, millet this kind of harbor appear on the market company, have advantage of ground predestined relationship more, after obtaining fictitious bank license plate, will mix for Hong Kong client go to harbor to buy the outback user such as safe, go to a doctor to offer a series of general benefit finance to serve, hong Kong money market is sure coruscate new vitality.
In value when fictitious bank develops, also the personage inside partial course of study raises doubt. If Hong Kong user is right outback finance brand is not familiar, accept degree how to return need checking card, at the same time environment of Hong Kong banking follows inland disparate, develop new business or encounter cold, treasure, small letter paid to all throw many capital to attract an user to use this locality purse before this, however effect is not distinct. In addition, system of Hong Kong traditional banking is relatively complete, the bank also offers net silver to serve mostly, the market is right show respect for of fictitious bank may not.
The article comes from abb of endowment thing classics
