Beijing reports Jin Wei of our newspaper reporter
"Grandfather of a few conditions manages through be in condition peripheral set net stands, also domestic company takes license plate to also stand in condition peripheral set net outside the condition, wrap around " foreign skin " return is offerred to churchyard break the law violate the financial service of compasses. " on December 1, the 3rd China that sponsors in Wang Zhiku of weekly of country of finance and economics of Xinhua News Agency, Bing is new on financial height forum, bureau of national exchange control always manages director Sun Tianqi expresses accountant, integratedly, in Fintech and cross area banking to serve a field, relevant domain is put so that leave, the risk can accuse to be in charge of so that live, be short of one cannot.
Sun Tianqi expresses, fintech can breach market barrier, stimulative money market is open. As the development of financial science and technology, wait for digital finance platform through Internet, cross condition provide financial service to consumer, it is relatively typical step area banking service. "Basically come true through crossing the mode of condition consign, namely the provider that finance serves is in a country, consumer and investor are in another country. Consumer and investor are in another country..
Financial science and technology can produce positive effect to promoting finance to open, be helpful for promoting financial innovation, trade more fast, convenient, safe, also be helpful for realizing general benefit finance, stimulative money market is open.
Sun Tianqi introduces, below WTO frame, a few developed countries were reached in Uruguay bout " forgive about what finance serves acceptance " , to new finance the service took open attitude. "Basis " forgive " regulation, in A country still nonexistent, but the finance that has existed in B country serves, the finance of any other member countries that A country should allow to be set inside its territory serves the person that offer, this service is provided inside its territory. This service is provided inside its territory..
Sun Tianqi says, we are in recently and a smaller country undertakes bilateral negotiate from trade agreement, "Cross area banking to serve " make discussion focal point. Country of the other side is smaller, but financial industry is its pillar industry, open rate is high and off shore finance special develop. Height of the other side pays close attention to " cross area banking to serve " clause, the ask a price that raise should allow orgnaization of one party finance to be able to be crossed namely condition offer finance to serve to dweller of the other side, no matter dweller of the other side is home churchyard, in country of the other side, still be in the Three Kingdoms.
"We basically consider the following factors: If we accept this provision,be, the financial orgnaization that means the other side can wait these digital platform a moment to offer finance to serve to dweller of our country churchyard through Internet, include to buy bail of investment insurance, foreign currency to trade, the stock trades etc. 2 it is finance of this country off shore special develop, if we are right its are open, it is the financial orgnaization of this country not only, after the orgnaization of a few finance of other country takes license plate in this country, also can offer finance to serve to dweller of our country churchyard. 3 be the orgnaization outside the condition had been encountered to offer our country to make clear illicit finance to serve to our country churchyard through Internet in superintendency practice, belong to break the law violate of compasses cross area banking to trade. 4 it is home superintends ability to whether can follow to go up at present. " Sun Tianqi says.
"Finance is opened is prospective direction from beginning to end, should develop Fintech adequately breaking through market barrier, stimulative market the positive effect of side of finance of benefit of innovation of open, stimulative finance, stimulative general.
Sun Tianqi thinks, as self-given as its firm condition, be inferior to opening to the outside world stage by stage, blend in global market actively. Fintech can be being promoted cross area banking service, stimulative market to open a respect to produce effect. On the other hand, open, cross the border's open money market to also can bring more to enterprise of financial science and technology bigger wider global scope. "But of ambitious attune is, superintendency ability should follow to go up, must have the superintendency capacity that match, the risk wants to be able to accuse.
On the other hand, fintech also is met encourage is crossed condition break the law violate compasses provide financial service, bring about a risk to cross condition infect.
In recent years, be based on Internet cross activity of area illegal banking to also last active. Citing says Sun Tianqi, australian superintendency branch lets an apple since last year application software of 300 many APP was worn below company, Google, because have some of company,superintend market admittance of the branch without crossing Australian finance, cross through digital platform condition offer finance to serve to Australian dweller. Russia Central Bank shut many 400 website, because these websites are violated compasses provide financial service to Russia dweller.
With respect to our country character, this kind breaks the law violate of compasses cross area banking to serve expression to be in two direction: It is from churchyard arrives outside the condition. Namely the company outside the condition, some still is even outside the condition appear on the market company, through the website is being established outside the condition, also domestic company takes license plate to also stand in condition peripheral set net outside the condition, wrap around " foreign skin " return is offerred to churchyard break the law violate the financial service of compasses.
Sun Tianqi says, break the law violate compasses expression: (1) in me through the platform outside this condition churchyard begins foreign currency bail to trade, this trades to be in our country at present is clear illicit. (2) undertake in churchyard through these platform ICO trades. (3) through buying and selling illicit capital crosses the fictitious money code that finish condition move. (4) similar platform, still the company applies program APP to offer through the gamble in malic application shop step condition gamble service. (5) there also is a company to be crossed through counting word platform to offer in practice condition fry a room, fry, gamble, bet the service such as the ball.
2 be arrive from churchyard outside the condition. Namely orgnaization of a few churchyard adopts Internet platform to financial service is provided outside the condition, in process of repair of finance of our country Internet for instance a few enterprises transfer southeast Asia, did not register in place also did not obtain approval, provide financial service through Internet.
Media reports Indonesian and relevant official to express recently, divide in Indonesian the P2P platform that has registered, the money that appeal common people lends from other platform need not be returned.
Sun Tianqi introduces, according to the risk case that our country releases, and the case that the superintendency branch such as Singapore, Australia releases, digital platform offers cross area banking service to involve the following issue: It is business license plate is suspected of making a holiday. Superintend sectional introduction according to Australia, some platform company claims to take Australia or the license plate of New Zealand, belong to deceit actually, have a plenty of a group a lot of subsidiary, take a lot of license plate from each country, misdirect consumer. 2 it is Australia superintends a branch to discover a few companies are so-called the financial license plate that obtained Australia, but it is actually be controlled by foreign company, any asset are done not have in Australia, because Australia is in,compare to superintend a respect all right strict. 3 it is some companies misdirect consumer cooperates below the line on the line. The company on some lines is in Australia is flourishing the region is short-term the ten office ground of smooth rice nod hire, take investor to arrive look around, finish below the line after hawking, turn to the line to continue to do a few violate compasses trade. 4 it is some affirmatory high income, trade the process is opaque, be suspected of using pass sell mode to develop a client, hitting trading banner to last high specified number shares out bonus.
Sun Tianqi says, be in our country, some business are clear illicit, unavailable market admittance allows these companies, change to come down to do through the line, hold water for instance groom the company begins professional work, breakthrough our country prohibits sexual regulation. "Cause a risk easily: The risk of investor basically is pecuniary loss; Serving the risk that accepts a nation basically is order of disturbed place finance, serving the risk that offers a country basically is to be hard to superintend native orgnaization the behavior outside the condition, the likelihood makes the interest of contributive person is damaged, have caustic country figure. Have caustic country figure..
Sun Tianqi expresses, cross area banking service to want to be put so that leave, the canal must live, risk must can accuse, be short of one cannot. Establishing an open image is very easy, but more difficult is to build a whole superintendency system, it is OK to establish code of a policy the superintendency system of sufficient fall to the ground, the challenge is very much, expend time to also grow quite.
Sun Tianqi expresses, working key still should be put in " the canal must live " , the risk can accuse. (1) should handle good finance innovation and risk pilot relation; (2) should emphasize all trading leaving mark, because be involved,cross condition, involve what fall to digital environment to trade; (3) outside wanting to stress churchyard area, penetrable type is superintended, penetrable type is superintended below the line on the line; (4) strengthen international to superintend harmonious, form the international level that area banking service crosses to superintend below digital environment. (5) to our country, accept a nation as the service, initial stage can ask foreign capital provides financial service to our country, must establish commerce to exist. In will for a long time look, need improves the superintendency system that crosses condition consign mode to fall. Cross bail of condition illegal foreign currency to trade according to our blow working experience, ambitious attune " Internet can not have national boundaries, but financial license plate must have national boundaries, cross area banking the service is absolutely cannot " without according to drive " . (6) have bottom line consciousness to wanting private branch, big company should have social responsibility consciousness. (7) should advance cross condition combination to superintend, execute the law jointly, blow breaks the law violate of compasses step area banking activity, make cross area banking illegally to serve in form of escape of the nowhere outside churchyard condition, form of escape of the nowhere below the line on the line.
"Those who step area banking service is begin in our country churchyard to the orgnaization outside the condition, close legally of compasses we give support, break the law violate of compasses want severe blow. Those who step area banking service is begin outside condition of indigenous to me company, the company of financial science and technology that should urge supportive our country to precede outputs ability of financial science and technology to place, enterprise of ambitious key our country closes outside the condition compasses manage. " Sun Tianqi says.
