新加坡央行发布Fintech发展路线图

文|译者：潘妍媛 作者： TECH IN ASIA

11月21日讯，上周，新加坡首届Fintech节拉开帷幕。来自全球各地的创新实验室、fintech创企一同汇聚在这个城市国家，在为时2天的主会中，来自全球的公司和演讲者将于参会者一起分享想法。新加坡金融管理局(MAS)局长Ravi Menon说，总计有50多个国家的11000名人士参加了本次大会，许多人都对金融科技的未来发展表示出了关心。

高度评价

任何关注全球创企生态系统的人都知道，fintech如此受追捧已经不是一天两天了。而过去一年中，大型银行和金融机构也开始注意这一领域了。在向来是亚洲金融与贸易中心的新加坡国内，MAS在fintech的“追随者”中力压群雄。

像MAS这样的大型机构长久以来一直因行动缓慢、不愿改变而备受诟病。通过这次盛事，MAS想要向新科技敞开怀抱、充分利用其潜能并欢迎科技创企的。

Menon在演讲中将智能手机比做神奇宝贝。“(它们)都是口袋大小的妖怪，蕴藏的信息和拥有的处理能力比几十年前的一台超级电脑都大。”可见MAS现在有多“潮”。

打开沙箱

此前，新加坡央行已经宣布了一系列的前向性倡议。MAS想要建立一个fintech创企可以参与的监管沙箱，并且不用担心泄漏客户数据(或金钱风险)。就在今天，MAS公布了指导意见，点名了该项目的目的并给出了参与标准。

MAS就公司使用云技术提供金融服务给出了指导意见。Menon说“曾经一些人认为'MAS不喜欢云服务'。为了彻底消除任何疑惑，我再次重申，MAS对于(金融机构)利用云服务没有反对意见。”

MAS还成立了自己的创新实验室，命名为Looking Glass。实验室将实验fintech方案并为创业企业提供咨询。

上周，MAS放出12个基于其金融数据的API以供开发者和金融机构在产品和服务中使用。

最近引人注目的就是使用区块链进行大型银行间的跨境支付。这项发展本身对于区块链(比特币之类的核心技术)的合法化来说是迈出了一大步。每个人似乎都对区块链十分感兴趣，但没人能够确定地说出该技术怎样实际运用最好。一张来自MAS这样一家重要金融机构的“信任票”可能可以将该技术带入主流。

目前试验项目中，银行将现金存于MAS作为担保，然后就会收到后者发放的电子货币。然后银行在跨境交易中就可以使用这些电子货币，而不用再通过MAS传送支付指令。

行业未来

以下是MAS针对新加坡fintech未来发展所计划的路线图：

1. 简化在线支付服务监管，形成单一统一框架。Menon说新加坡的电子钱包和电子支付创企显然属于fintech企业，但他们面临着繁重的监管条例，MAS想要通过模块化执照简化支付执照，为每一家支付服务提供商理清相关监管规章。

2. 关于使用机器人咨询师和机器人保险的指导意见。MAS说其对于这些服务的监管框架是“科技不可知”的，但其应该升级监管框架，这样用户就可以得益于许多提供金融和保险建议的电子服务。

3. 加强网络安全。Menon宣布金融服务、信息共享和分享中心(总部位于美国，以共享网络攻击和情报为主)正与MAS合作在新加坡建立一网络情报中心。

4. 统一无现金支付网络。这包括“中央处理计划”，让人们届时仅使用一段信息，比如收款人的手机号、身份证号或者电邮地址就能够向其转账。这些信息将和各银行账户绑定，所以付款人无需知道账户号就可转钱。还有“统一销售点终端”，商户届时可以用其接受所有信用卡支付，包括手机支付服务中的信用卡。

5. 建成一全国性“客户了解”服务。MAS在此项上正与Govtech和其自己的Mylnfo合作。Mylnfo是一在线平台，包含政府核准的个人信息，如身份证号和住址，目前市民利用该平台与政府进行在线交易。MAS计划将该平台延伸至金融领域，帮助解决如重复填表和数据输入错误等问题。

原文：

Singapore’s central bank is serious about fintech and it’s throwing a week-long party this week to show it.

The inaugural Fintech Festival features innovation lab crawls throughout the city-state, a spotlight on fintech startups, and a sprawling two-day event bringing attendees together with speakers and companies from all over the world.

Ravi Menon, managing director of the Monetary Authority of Singapore (MAS), said that a total of 11,000 people from 50 countries are attending the festival week’s various events. That’s a whole lot of people interested in what happens next with financial technology.

High praise

Anyone who has an interest in startup ecosystems globally knows that fintech has been a big deal for a while. What’s changed in the past year or so? Large banks and financial institutions have started paying attention. And in Singapore, a lifelong financial and trading hub for Asia, it doesn’t get much larger than MAS.

Big institutions like MAS have been criticized for being slow-moving and resistant to change. Through this festival, MAS wants to show it’s anything but: it’s embracing new technology, taking advantage of its potential, and reaching out to tech startups.

During his speech, the director straight up compared smartphones to Pokemon. “[They are] pocket-sized monsters that pack more data and more processing power than super computers just a couple of decades ago.” That’s how hip MAS is these days.

Opening up the sandbox

The central bank has already announced a series of forward-facing initiatives.

It wants to set up a regulatory sandbox for fintech startups to play in without risking customers’ data (and money). In fact, it released guidelines for this sandbox just today, outlining the project’s objectives and criteria for participating.

It announced guidelines for companies using the cloud to offer financial services. “There used to be a view within some quarters that ‘MAS does not like the cloud,’” the director said. “Lest there be any lingering doubt, let me reiterate: MAS has no objections to [financial institutions] using the cloud.”

It launched its own innovation lab, called Looking Glass, to experiment with fintech solutions and provide consultation to startups.

And last week, it released 12 APIs based on its financial data for developers and financial institutions to use in their products and services.

The latest notable development is use of the blockchain to enable cross-border payments between major banks. In itself, that could be a big step toward legitimizing the technology that makes things like bitcoin possible – everyone seems to be excited about the blockchain, but few are sure how it can be best applied on the ground. A vote of confidence from a key financial institution like MAS could bring it into the mainstream.

Plans for the current pilot involve banks depositing cash with MAS as collateral and receiving MAS-issued digital currency in exchange. They can then move funds to other banks in cross-border transactions using thatcurrency instead of sending payment instructions through MAS.

Going forward

Here are some more things MAS is planning for fintech in Singapore:

1. Streamlined regulations for online payments services into a single, unified framework.The director said that ewallet and payment startups in Singapore are some of the most visible fintech players but their services face complex regulations. MAS wants to simplify payments licensing through a modular license that clarifies the relevant regulations for each payment provider.

2. Guidelines for the use of robo-advisors and insurance.MAS says its regulatory framework for these services is “technology agnostic,” but it needs updating so that users can benefit from the broad range of digital services offering financial and insurance advice.

3. Stronger cyber-security.The director announced that the Financial Services – Information Sharing and Analysis Center, the US-based organization for the sharing of information on cyber threats and intelligence, is working with MAS to set up a cyber intelligence center in Singapore.

4. A unified network for cashless payments.This includes a “central addressing scheme” that will allow people to pay someone using only one piece of information – the recipient’s mobile number, national ID number, or email address. These will be tied to the respective bank account number, so the payer doesn’t need to know it in order to transfer money to them. It also involves a “unified point-of-sale terminal” that will allow merchants to accept all major credit cards, including those within smartphone payment services.

5. A national know-your-customer utility.MAS is working with Govtech and its MyInfo service for this one: MyInfo is an online platform that contains government-verified personal information like national ID number and home address, and is currently used for citizens’ online transactions with the government. The plan is to expand this to the financial industry to help with problems like repetitive form-filling and data entry errors.

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