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標普全球料穩定幣新規實施或引發香港金融業新一輪競爭
標普全球評級(S&P Global Ratings)指出,香港《穩定幣條例》8月1日正式生效,預計銀行及大型科技公司將積極參與,新規可能加劇銀行在機構間大額支付交易的競爭,零售支付領域則較不受影響。金管局明確表示僅會批出少量穩定幣發行牌照,並要求申請者要具備可持續經營前景、充足財政資源、切實可行商業案例及風險管理能力等,標普全球預測首批獲批機構將是實力雄厚的大型科技企業及銀行,包括已籌組合資公司的渣打香港、安擬集團(Animoca Brands)及香港電訊(06823.HK)。 標普全球又相信,穩定幣將推動財富管理業務發展,並促進加密資產交易增長,指出目前全球約70%至95%穩定幣交易都是用於加密資產交易,僅1%至5%應用於零售支付層面,預期穩定幣在香港可作為加密交易入口及數字資產投資工具;而由於穩定幣跨境轉帳具成本與速度優勢,在機構間大額支付交易上可能或侵蝕銀行部分貿易融資收入。
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