HSBC and Standard Chartered branches line the streets of Asia’s big cities. But in China, without a single branch or plastic credit card issued, tech giants have been growing their shares in loans, wealth management and digital commercial payments. The latter is dominated by Alibaba and Tencent payment platforms. With banking in China going increasingly digital, current valuations of these fintech leaders will soon seem cheap.
匯豐(HSBC)和渣打(Standard Chartered)的分行遍布亞洲大城市的街道。但是在中國(guó)，科技巨擘們沒(méi)有開(kāi)設(shè)一家分行，也沒(méi)有發(fā)行任何實(shí)體信用卡，就在貸款、理財(cái)和數(shù)字商務(wù)支付等市場(chǎng)不斷擴(kuò)大自己的份額。最后一項(xiàng)由阿里巴巴(Alibaba)和騰訊(Tencent)的支付平臺(tái)主導(dǎo)。隨著中國(guó)的銀行業(yè)務(wù)日益數(shù)字化，這些金融科技領(lǐng)先企業(yè)的當(dāng)前估值很快將顯得便宜。
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