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 chairman of HSBC has said that regulators in China and elsewhere are starting to consider more seriously whether technology companies that provide financial services should, like banks, be regulated more heavily.
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。
The comment from the chairman of one of the world’s biggest lenders underlines the risk for large technology groups such as Alibaba in China and Apple in the US that they could face stricter regulation as they move further into financial 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。”
Douglas Flint said in a speech at Cass Business School in London on Thursday: “Regulators all around the world are reflecting on the extent that internet companies are providing banking services and whether they should be regulated as such, or whether they are just providing access to banking services.”
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”。
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”.
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。”
He also called for regulators to address the questions around the use of consumers’ financial data. “The big public policy question that you all should be thinking about is who owns your data, how safe is it and who is responsible if it goes wrong.
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。”
Responding to a question on the competitive challenge HSBC faces in China from technology companies such as Alibaba and Tencent, Mr Flint said: “That is a good question and one that Chinese authorities are starting to grapple with.”
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 of International 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。
The HSBC chairman works closely with Chinese regulators as an adviser to the mayors of both Beijing and Shanghai. He is also chairman of the Institute of International Finance, which interacts with regulators and policymakers on behalf of 500 of the world’s biggest financial institutions.
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 June, Alibaba’s financial affiliate company launched MYBank, its internet bank, with executives pledging to use the Chinese ecommerce group’s vast amounts of customer data to target lending to small businesses. That followed the launch in January of WeBank, an internet lending joint venture led by Tencent.
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。
In the US and Europe, Apple has moved into the payments market by launching Apple Pay to let customers pay for goods using their phones, while Google and Facebook are also building up their financial services offerings.
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。
Many bankers hope that their market position will be protected from the challenge of technology groups both by the barrier of extra regulation and the belief that consumers will not trust internet groups to protect their financial data.