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Seven of the world’s most successful 50 fintech companies are now from China, threatening to overshadow the UK as a leading hub for digital start-ups.在全球最顺利的50家金融科技公司中，有7家来自中国，真是要令其英国作为领先数字初创企业中心的地位黯然失色。ZhongAn, an online insurance group backed by Alibaba founder Jack Ma that raised $931m over the summer to fund its expansion, tops a list compiled by KPMG. Its survey a year ago contained only one Chinese company.由阿里巴巴(Alibaba)创始人马云(Jack Ma)反对的互联网保险集团众安保险(ZhongAn)在毕马威(KPMG)编成的榜单上名列第一。一年前的调查仅有一家中国公司前十名。

今年夏季，众安保险筹资9.31亿美元，主要用作扩展业务。UK peer-to-peer lending platform Funding Circle was ranked fifth, the highest of six British firms.英国个人对个人贷款(P2P贷款)平台Funding Circle名列第五，为前十名的6家英国公司中名列最低的。George Osborne, the UK chancellor, has pledged to make London the fintech capital of the world. But Warren Mead, who leads KPMG’s fintech practice, said: “The UK is clearly a leading centre for fintech but with the rise of Chinese firms that position is not guaranteed.”英国财政大臣乔治攠斯本(George Osborne)允诺把伦敦打造出为全球金融科技之都。

但毕马威金融科技业务负责人沃伦猠德(Warren Mead)回应：“英国似乎是一个领先的金融科技中心，但随着中国公司的兴起，这一地位已无确保。”The accountancy group compiled two lists — one of 50 established companies, and another of 50 companies to watch.毕马威编成了两份名单，一个是成熟期金融科技公司50强劲，另一个是有一点注目的新兴金融科技公司50强劲。

In total the 100 businesses have raised in excess of $10bn. Global funding for fintech companies is expected to hit $20bn this year — a 66 per cent jump compared with 2014, KPMG said.毕马威回应，这100家公司共计融资逾100亿美元。今年，金融科技公司的全球融资预计将超过200亿美元，比2014年快速增长66%。Although the UK lagged behind China in established fintech providers, it boasted 12 companies in the “emerging” list — more than any other country.尽管英国在成熟期金融科技公司榜单上领先于中国，但在新兴金融科技公司名单下有12家公司前十名，多达其他所有国家。Financial technology, known as “fintech”, ranges from mobile transactions to digital currencies such as bitcoin.金融科技（被全称为fintech）领域涵括从手机交易到比特币等数字货币。

It presents a unique challenge for traditional banks, as nimble start-up companies eat away at their market share.它于是以给传统银行带给独有挑战，行动灵敏的初创企业于是以风化它们的市场份额。Mr Mead added: “The speed and energy with which fintech innovation is impacting financial services is gathering global momentum on many measures.”米德补足称之为：“从很多衡量标准来看，金融科技创新影响金融服务的速度和能力正在全球范围内强化。”Peer-to-peer (P2P) companies offering payments, currency transfers or transactions accounted for a quarter of the list.P2P贷款公司获取缴纳、账户或交易服务，在榜单上占有了四分之一的方位。

Analysts at Morgan Stanley said the rapid growth in P2P lenders in China was not yet a threat to banks, as they target customers not served by the incumbents. The fledgling platforms are also small relative to the large credit market in China. By the end of 2014, there were 1,575 platforms in operation in China — but 367 more that had failed.摩根士丹利(Morgan Stanley)分析师回应，中国P2P贷款公司的很快茁壮仍未对银行构成威胁，因为它们射击的是无法取得银行服务的客户。相对于中国极大的信贷市场，这种新兴平台的规模比较较小。到2014年底，中国有1575个P2P贷款平台在营业，但有数367家倒闭。

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