remain 新年看中国FinTech——过去、现在和未来前景(2)

人们普遍认为，FinTech崛起背后有三个主要的驱动力：享有金融服务的市场需求、技术进步和强大有力的政策与监管制度。由于仍然存在金融抑制，中国等发展中国家往往对基本金融服务有着强烈的需求，但这些需求尚未被满足或没有被完全满足。智能手机的技术进步起到了推动作用，使金融服务能够通过数字技术在任何时间、任何地点覆盖到大量用户。在这方面，腾讯和阿里巴巴作为全球互联网巨头，使中国在这方面又再次成为了领导者。

最近政策转向了风险控制。中国的监管机构是否能在金融创新和金融稳定之间取得适当的平衡？这个问题的答案将对中国和世界FinTech的未来发展产生巨大的影响。

翻译：姜楠

FinTech in China: The Past, Present and Future Prospects

Ben Shenglin

China’s Miraculous Rise in FinTech

2003 was a tough year for China。 The SARS panic shut down the country, leaving many people grounded at home。 A little known e-commerce company in an east Chinese city started offering “online payment” services as part of its efforts to enable and facilitate online transactions。 Ten years later, a little-known asset manager in the remote northern region of Inner Mongolia leapfrogged industry leaders by working with this company to distribute its simple money market fund products through its vast network of users, offering them access to money market funds that were traditionally reserved for large institutional and corporate investors。

The online payment service is called Alipay, and there is no better company to illustrate the miraculous rise of FinTech in China。 Today the company has over 500 million users and is the largest online and mobile payment company in the world。 Its parent company Ant Financial has been consistently ranked as the largest and most valuable FinTech company in the world。

China’s leadership in FinTech is not just in payment services. In the peer-to-peer lending arena, China’s first marketplace lending platform PPMoney was founded two years after the London-based ZOPA, the first P2P lending platform in the world. But today, Chinese marketplace lenders account for more than 60 percent of global volume and some of them are global leaders in the sector.