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.
汇丰银行(HSBC)董事长范智廉(Douglas
Flint)表示，中国和其他国家的监管者正开始更为严肃地考虑是否应对提供金融服务的科技公司进行更严格的监管。
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.
来自全球最大银行之一董事长的这番言论，突显出中国的阿里巴巴(Alibaba)和美国的苹果(Apple)等大型科技集团所面临的风险：随着它们继续进军金融服务领域，它们可能面临更为严格的监管。
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.”
范智廉周四在伦敦卡斯商学院(Cass
Business
School)的一次演讲中称：“全球监管机构正考虑互联网公司提供银行业服务的范围以及是否应对它们严加监管或者它们是否只是为使用银行业服务提供途径。”
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：“我认为，大多数科技公司希望成为银行的合作伙伴”，因为它们认为更多的“监管负担”（例如合规和反洗钱规定）“并非他们希望承担的”。
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.
他还呼吁监管机构解决有关利用客户金融数据的问题。“你们都应思考的一个重大的公共政策问题是谁拥有你们的数据、数据是否安全以及如果数据安全出了问题谁对此负责。”
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.”
在被问到汇丰在中国面临来自阿里巴巴和腾讯(Tencent)等科技公司的竞争挑战的问题时，范智廉回答：“这个问题问得好，中国政府正开始解决这个问题。”
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.
作为北京和上海市长的顾问，范智廉正与中国监管机构密切合作。他还担任国际金融协会(Institute
ofInternational
Finance)主席，该协会代表全球最大的500家金融机构与监管机构和政策制定者沟通。
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，阿里巴巴的金融子公司推出在线银行网商银行(MYbank)，其高管承诺将利用这家中国电商集团的大量客户数据，将贷款瞄准小企业。今年1月，腾讯推出在线贷款合资公司微众银行(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.
在美国和欧洲，苹果已进军支付领域，推出Apple
Pay，客户可以用手机为商品付款，谷歌(Google)和Facebook也在推出各自的金融服务产品。
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.
很多银行人士希望，更多的监管壁垒以及认为消费者不会相信互联网公司会保护他们的金融数据的看法，会让银行的市场地位不受科技公司挑战的影响。
