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傳中國要求螞蟻及騰訊向銀行分享消費者貸款數據
阿思達克 01-11 16:33
《路透社》引述消息人士報道,中國計劃要求包括螞蟻集團、騰訊(00700.HK)及京東(09618.HK)在內的科技巨擘共享消費者貸款數據,以防止過度借貸及欺詐行為。

據悉,小型銀行在與螞蟻等金融科技巨頭合作時經常處於弱勢地位,銀行太過依賴金融科技巨頭的數據來承銷貸款及進行風險管理,包括人行在內的中國監管機構計劃要求互聯網平台將貸款數據提供予由人行營運或支持的全國性的信貸機構,以充分評估風險並防止過度借貸。

中國監管機構的最新行動將有可能打擊科技巨頭信貸業務的規模及盈利能力,因科技巨頭向銀行徵收高額服務費,以提供借款人的信貸資料。

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