内地官媒:金融管理部门约谈蚂蚁集团 反映维护良好金融市场秩序决心
内地官媒《经济日报》发表评论文章,指金融管理部门两次约谈蚂蚁集团,反映出金融管理部门反对金融科技垄断、维护良好金融市场秩序的决心。
文章指,大型金融科技平台拥有数亿人次的个人数据和支付数据,在个人数据、支付、网络贷款方面占据一定垄断地位。对这趋势无规范引导,在数据应用领域,可能出现侵犯金融消费者隐私、损害投资者合法权益的问题;在支付领域,大型金融科技平台拥有虚拟账户的第三方支付机构与商业银行直接连通,辅之以庞大用户群体,彻底「屏蔽」金融管理部门和清算部门,海量资金融通几乎完全游离於监管之外,带有极大的系统性风险隐患;在网络贷款领域,可能利用客户群体和技术优势,绕过地域和牌照限制违规放贷,损害个体商户、小微企业和广大消费者利益。
脱离规则的竞争是不健康的无序竞争,不仅会导致资源配置效率下降,而且可能引发价格信号失灵,抬高交易成本,市场竞争机制作用无法发挥,普通消费者权益受到极大侵害。
对此,要通过「法律之手」,完善反垄断法律法规,加强数据信息保护,规范金融控股集团监管,防止资本无序扩张;通过「市场之手」积极推动良性竞争,发挥市场在资源配置的决定作用,鼓励金融科技企业投身国家战略科技力量建设和民生福祉完善中,以自身的规范和健康发展更好服务国家和社会发展大局。
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