印度尼西亚FinTech生态圈的发展及机遇

Development and Opportunities of Fin Tech Ecosystem in Indonesia

印尼Fin Tech是新兴行业,自2014年以来呈现井喷式增长,其生态圈竞争优势主要体现在需求方面:潜在市场巨大,资本投入增长迅猛,但人才优势尚显不足,政策上积极学习国际经验,已推出"监管沙盒"和针对P2P的严格管控法规,从长远看能促进Fin Tech包容性发展;印尼银行渗透率低,银行分支机构少,物理基础设施建设不足,且印尼人的Fin Tech意识较弱,中国Fin Tech企业在印尼的个人消贷和中小企业融资领域将大有作为;可加大对印尼的资金支持以帮助当地建设,更好地进行合作发展Fin Tech行业,实现共赢。

FinTech in Indonesia is an emerging industry,showing a burgeoning increase since 2014.The biggest attributes to Indonesia’s FinTech sector is its huge potential demand market,which is just the competitive advantage in Indonesia’s FinTech ecosystem,whilst the talents lag behind.Capital invested to this sector has a big leap in recent years,both from home and abroad.For the government,some favorable programmes has been implemented to facilitate FinTech development while managing the potential risks with the regulatory measures,like the“Regulatory Sandbox”and a regime focusing on P2P.Actually,regulatory regimes are necessary for Indonesia to achieve the inclusive finance.Due to a very low bank penetration and insufficient physical infrastructure,plus a weak consuming conscious on FinTech products currently for Indonesians,FinTech companies from China would get a big share of Indonesian FinTech market,for example,the personal credit and small and medium-sized enterprises’financing,especially for the China’s unicorn enterprises.Meanwhile,China could increase the financial support to help local construction,thereby achieving a win-win situation in the local development of FinTech sector.