General Articles

What is Debt Factoring?

Debt factoring, also known as invoice financing and invoice factoring, refers to the process when a business sells it accounts receivables to a debt factoring company. The debt factoring company pays for the invoice in advance so that the business can obtain immediate cash flows to finance its operation. How Does Debt Factoring Work? There…

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General Articles

What is Trade Finance?

Trade Finance is financing for both domestic and international trade transactions, and a collective term of various financial instruments to facilitate trade activities. It helps to reduce and mitigate risk involved in trade transactions. Trade finance is beneficial to both buyers and supplier. Sellers can sell on payment terms to stabilize their cash flows and…

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General Articles

金融科技發展的危與機

金融科技發展的危與機 金融配上科技,造就近年最熱門的詞彙Financial Technology簡稱 FinTech,由PayPal到阿里巴巴,由網上借貸到網上購物的即時付款,不經不覺金融科技已融入每天的生活裡。透過科技的變革來推動金融體系的創新,傳統金融行業紛紛尋找科技作新增長的動力,世界各地市場的金融科技公司有著不同的前瞻性思維,推動著科技和傳統金融業的發展,帶來龐大的商機。根據香港投資推廣署的數據,2017年香港有近600 家金融科技公司,創投基金投資於金融科技公司的資金超過5億4千萬美金。 金融科技概括的業務範圍廣泛,現在的發展主要集中於支付、信貸、保險、存放款、資本募集、投資管理及市場資訊供應的範圍,也發展到RegTech(Regulatory Technology)及SupTech(Supervisory Technology),以提升金融及監管機構的監管及合規的效益。 當談及金融科技的發展,享受金融科技帶來的便利的同時,奈何設立規範需時,設立規範的速度也遠慢於一日千里迅速發展的金融科技行業,為這新行業設立合適的規範,要檢視監管效率和成效,不能只靠一個監管機構去執行,更需要政府多方的配合。更不能遺忘的是網絡安全的隱憂,缺乏對個人資料與資產的保障。在2018年3月的世界經濟論壇,有跨國保險公司高層與會者估計未來五年,網絡犯罪的成本為8萬億美元。金融科技公司除了把握商機外,也要為網絡安全把關,保護用家的資料實為商業模式裡,建立商譽與信任的最重要一環。 了解更多FundPark: 網站: 👉🏻 www.fundpark.com 電郵: 📧 [email protected] Please follow and like us:

General Articles

The Crisis and Opportunities for The Development of Financial Technology

The Crisis and Opportunities for The Development of Financial Technology Finance + technology, breed the most popular terms in recent years : Financial Technology also known as FinTech. From PayPal to Alibaba, from online lending to online shopping for instant payment, financial technology has been integrated into everyday life. Through the transformation of technology to…

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