标普:蚂蚁上市触礁反映内地金融科技监管收紧 避免消费者过度借贷
评级机构标普发表报告,指由於现时监管框架跟不上金融上科技突破,蚂蚁集团早前上市触礁显示的线上贷款潜在监管改变,与内地监管趋势相符。标普料内地政府将持续更新其监管及指引,以管理快速演变的金融科技行业带来的增长及风险。
该行信贷分析员Fern Wang称,蚂蚁集团上市触礁反映金融科企面对的不确定性,内地监管当局试图减少银行业不能控制的科技干扰,及避免消费者过度借贷。
中银保监及人行在11月2日联合发表《网络小额贷款业务管理暂行办法》的徵求意见稿,谘询期一个月。倘落实,监管将大幅削弱蚂蚁集团的消费者及小微企金融业务。该业务板块上半年收入占比达39%,属蚂蚁集团的主要增长引擎。
监管改变亦会拖慢内地逾200家线上贷款公司的增长。该等贷款公司传统上提供小额无抵押贷款,亦不能收取存款。该等牌照最初由地方金管监管机构发行,规管较银行相对宽松。新监管旨在限制贷款商杠杆,及避免消费者过度借贷。该行认为,新监管亦旨在创造较公平竞争环境及减少监管上的随意性。
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