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传中国要求蚂蚁及腾讯向银行分享消费者贷款数据
阿思达克 01-11 16:33
《路透社》引述消息人士报道,中国计划要求包括蚂蚁集团、腾讯(00700.HK)及京东(09618.HK)在内的科技巨擘共享消费者贷款数据,以防止过度借贷及欺诈行为。

据悉,小型银行在与蚂蚁等金融科技巨头合作时经常处於弱势地位,银行太过依赖金融科技巨头的数据来承销贷款及进行风险管理,包括人行在内的中国监管机构计划要求互联网平台将贷款数据提供予由人行营运或支持的全国性的信贷机构,以充分评估风险并防止过度借贷。

中国监管机构的最新行动将有可能打击科技巨头信贷业务的规模及盈利能力,因科技巨头向银行徵收高额服务费,以提供借款人的信贷资料。

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