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蚂蚁集团制定数字金融平台自律准则
阿思达克 03-12 11:13
蚂蚁集团公布制定的数字金融平台自律准则,从机构准入、消费者权益保护、数据隐私保护、金融消费安全教育、平台治理等各环节对平台责任义务进行明确,确保平台合规、有序、更健康的发展。

具体由理财、保险、消费信贷、小微经营者贷款、芝麻信用五大分平台板块组成,不仅对金融科技的创新和展业做了更明确的自律要求,也从加强伦理规范建设上提出了实际举措。

例如自律准则要求蚂蚁理财平台应当打击诱导性营销,加强风险提示和投资者适当性管理;小微商家贷款平台应当积极引导用户合理使用资金,防范小微信贷资金流入股市、楼市等;消费信贷平台应遵循「适当性原则」进行额度授信,不对未成年人放贷,不对偿还能力低或年轻群体发放超出基本生活所需的额度。

准则还提出,平台应重视金融伦理,主动承担起金融教育的责任,帮助用户提升理性消费意识和风险防范能力,严禁违背公序良俗的营销内容。

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