標普:螞蟻上市觸礁反映內地金融科技監管收緊 避免消費者過度借貸
評級機構標普發表報告,指由於現時監管框架跟不上金融上科技突破,螞蟻集團早前上市觸礁顯示的線上貸款潛在監管改變,與內地監管趨勢相符。標普料內地政府將持續更新其監管及指引,以管理快速演變的金融科技行業帶來的增長及風險。
該行信貸分析員Fern Wang稱,螞蟻集團上市觸礁反映金融科企面對的不確定性,內地監管當局試圖減少銀行業不能控制的科技干擾,及避免消費者過度借貸。
中銀保監及人行在11月2日聯合發表《網絡小額貸款業務管理暫行辦法》的徵求意見稿,諮詢期一個月。倘落實,監管將大幅削弱螞蟻集團的消費者及小微企金融業務。該業務板塊上半年收入佔比達39%,屬螞蟻集團的主要增長引擎。
監管改變亦會拖慢內地逾200家線上貸款公司的增長。該等貸款公司傳統上提供小額無抵押貸款,亦不能收取存款。該等牌照最初由地方金管監管機構發行,規管較銀行相對寬鬆。新監管旨在限制貸款商槓桿,及避免消費者過度借貸。該行認為,新監管亦旨在創造較公平競爭環境及減少監管上的隨意性。
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