金融科技

英国金融科技行业机构InnovateFinance最近报告称，英国金融科技公司的风投资金出现下降，今年上半年下降了三分之一。

Innovate Finance , the UK 's financial technology trade body , recently reported a decline in venture capital funding for UK fintech companies , which fell by a third in the first half of the year .

咨询公司毕马威（KPMG）与投资公司H2Ventures的年度研究表明，全球排名前五的金融科技创新企业中有四家都来自中国，反映了中国金融科技“无可争议”的增长。

The annual study by advisory firm KPMG and investment company H2 Ventures shows that four of the top five global innovators in financial technology now come from China , reflecting the " indisputable " growth of fintech in the country .

这个名为“Space39”的楼层有250家金融科技初创企业，还有一些公共区域。

There are 250 fintech start-ups in Space 39 , as it 's called , along with public areas .

英国财政大臣乔治攠斯本（GeorgeOsborne）承诺把伦敦打造为全球金融科技之都。

George Osborne , the UK chancellor , has pledged to make London the fintech capital of the world .

八六证券研究（86Research）驻上海高级金融科技分析师王晓燕（音译）表示：过去，商业银行把主要精力放在服务大企业上，不太关注消费者。

In the past , commercial banks focused on servicing large enterprises and didn 't care much about consumers . But with the macro-economy suffering , the corporate business is facing pressure on margins on growth , said Wang Xiaoyan , senior fintech analyst at 86 Research in Shanghai .

专注金融科技的风险资本集团沃斯托克新兴金融（VostokEmergingFinance）的董事总经理戴维•南戈尔（DavidNangle）认为，俄罗斯的困难不仅在于技术商业化。

David Nangle , managing director of Vostok Emerging Finance , a venture capital group specialising in fintech , believes Russia 's struggles are wider than just a difficulty in commercialising technology .

中国电子商务巨头阿里巴巴集团旗下的蚂蚁金服集团于上周二与泰国金融科技公司AscendMoney签署了战略合作协议，前者旨在将其移动支付平台和其他的金融产品扩展到海外市场。

Chinese e-commerce giant Alibaba Group Holding 's financial arm Ant Financial Services Group last Tuesday signed a strategic partnership agreement with Thai financial technology firm Ascend Money , the former aims to expand its mobile payment platform and other financial products to overseas markets .

H2Ventures的托比.希普（TobyHeap）表示，虽然中国在该领域增长迅速，但有多家“令人兴奋的”金融科技公司正在全球浮现，比如在印度和菲律宾等国。

Toby Heap , of H2 Ventures , said that although China is growing rapidly in this sector , there are a number of " exciting " fintech companies emerging globally , in countries such as India and the Philippines .

但毕马威金融科技业务负责人沃伦猠德（WarrenMead）表示：“英国显然是一个领先的金融科技中心，但随着中国公司的崛起，这一地位已无保障。”

But Warren Mead , who leads KPMG 's fintech practice , said : " The UK is clearly a leading centre for fintech but with the rise of Chinese firms that position is not guaranteed . "

我对金融科技并不是特别感冒，就上周LendingClub创始人雷诺•拉普朗什（RenaudLaplanche）辞职时的情况来看，金融科技似乎没有得到金融业的青睐。

Fintech is not particularly my thing , and as of last week , it didn 't seem to be the finance industry 's thing either , after Renaud Laplanche , Lending Club 's founder , resigned .

但毕马威金融科技业务全球联合主管沃伦.米德（WarrenMead）表示，中国成为“市场领导者”以及金融科技的日益全球化意味着，英国政策制定者和监管机构将“必须继续努力维持我们的地位”。

But Warren Mead , global co-head of fintech at KPMG , said the emergence of China as " a market leader " and the increasing globalisation of fintech means UK policy makers and regulators will " have to continue to work hard to maintain our position . "

4年后，他决定离职，跳槽到一家金融科技初创企业。

After four years , he decided to leave and work for a fintech start-up .

手机支付&我国支付领域金融科技发展策略选择

Mobile Payment-strategy Selection in China Payment Development

与之相比，全球金融科技公司的风投融资增长了近150%。

In contrast , venture capital funding for global fintech companies grew nearly 150 per cent .

今年早些时候，蚂蚁金服在一轮创纪录的金融科技私募中筹得45亿美元。

Earlier this year , Ant Financial raised $ 4.5bn in a record fintech private placement .

加强计算机安全管理防范金融科技风险

Strengthen the Safety Administration of Computers , Take Precautions against Scientific and Technological Risks of the Finance

毕马威编制了两份名单，一个是成熟金融科技公司50强，另一个是值得关注的新兴金融科技公司50强。

The accountancy group compiled two lists - one of 50 established companies , and another of 50 companies to watch .

全球金融科技竞争不断升温，这次前50大企业分布在17个国家，去年为13个国家。

Competition is heating up globally with 17 countries now making the top 50 established companies , up from 13 last year .

伦敦被认为是金融科技重地，它提供了获取资本、技术以及享受注重该行业的监管的有效途径。

London is considered a fintech powerhouse as it provides efficient access to capital , skills and regulation that is focused on the sector .

今年，金融科技公司的全球融资预计将达到200亿美元，比2014年增长66%。

Global funding for fintech companies is expected to hit $ 20bn this year - a 66 per cent jump compared with 2014 , KPMG said .

绝大多数前50强金融科技公司都被称为“颠覆者”，它们寻求挑战传统的金融服务企业和传统商业模式。

Most of the top 50 fintech companies are dubbed as " disruptors " that seek to challenge established financial services companies and traditional business models .

米德补充称：“从很多衡量标准来看，金融科技创新影响金融服务的速度和能力正在全球范围内增强。”

Mr Mead added : " The speed and energy with which fintech innovation is impacting financial services is gathering global momentum on many measures . "

蚂蚁集团前身为蚂蚁金服，是阿里巴巴旗下的金融科技子公司，也是中国最大的移动支付业务支付宝的母公司。

Previously known as Ant Financial , Ant Group is Alibaba 's fintech arm and the parent company of China 's largest mobile payments business Alipay .

尽管英国在成熟金融科技公司榜单上落后于中国，但在新兴金融科技公司名单上有12家公司上榜，超过其他所有国家。

Although the UK lagged behind China in established fintech providers , it boasted 12 companies in the " emerging " list - more than any other country .

在全球最成功的50家金融科技公司中，有7家来自中国，简直要令英国作为领先数字初创企业中心的地位黯然失色。

Seven of the world 's most successful 50 fintech companies are now from China , threatening to overshadow the UK as a leading hub for digital start-ups .

一些聚焦于在线营销和数据分析的企业开始在柏林涌现，伦敦也出现了越来越多的金融科技初创企业。

A cluster of businesses focusing on online marketing and data analytics has sprung up in Berlin , while London is home to a growing number of financial tech start-ups .

报告提到，中国庞大的互联网用户群体以及有利的监管环境，使中国成为电子商务、金融科技和其他前沿技术领域的全球领先者。

It says China 's massive internet user population and supportive regulatory and supervisory environment have made the country a global leader in e-commerce , fin-tech and other frontier technologies .

最新报告显示，随着中国创新公司数量迅速上升，英国可能失去全球领先金融科技中心的地位。

The UK is at risk of losing its status as the world 's leading fintech centre as the number of innovative companies in China is rapidly rising , according to a new report .

近年来，寻求颠覆银行主导的传统贷款和支付业务的金融科技企业纷纷涌向伦敦，旨在为客户提供更优质的、且往往成本更低的服务。

Fintech companies seeking to shake up the traditional bank-dominated business of lending and payments have all flocked to London in recent years with the aim of offering customers superior and often lower cost services .

金融科技的融资越来越高，自去年以来前50大公司吸引到了146亿美元资本，短短一年就实现同比增长逾40%。

Funding for fintech is on the rise , with the top 50 companies attracting $ 14.6bn of capital since last year , marking an increase of more than 40 per cent in just 12 months .