人行副行长:督促蚂蚁集团全面整改 整体申设金融控股公司
人行、银保监会、证监会、外汇局等金融管理部门今日(12日)再次联合约谈蚂蚁集团。人行副行长潘功胜称,蚂蚁集团整改工作启动以来,金融管理部门就整改措施与蚂蚁集团进行了深入沟通,并督促蚂蚁集团形成了全面可行的整改方案。
整改内容主要包括五个方面:一是纠正支付业务不正当竞争行为,在支付方式上给消费者更多选择权,断开支付宝与「花呗」、「借呗」等其他金融产品的不当连接,纠正在支付链路中嵌套信贷业务等违规行为。
二是打破信息垄断,严格落实《徵信业管理条例》要求,依法持牌经营个人徵信业务,遵循「合法、最低、必要」原则收集和使用个人信息,保障个人和国家信息安全。三是蚂蚁集团整体申设为金融控股公司,所有从事金融活动的机构全部纳入金融控股公司接受监管,健全风险隔离措施,规范关联交易。
四是严格落实审慎监管要求,完善公司治理,认真整改违规信贷、保险、理财等金融活动,控制高杠杆和风险传染。五是管控重要基金产品流动性风险,主动压降余额宝余额。
他表示,金融管理部门将督促蚂蚁集团切实落实整改方案,把握好工作节奏,保持业务连续性和企业正常经营,确保广大人民群众对金融服务的体验不下降,持续提升普惠金融服务水平。(da/a) ~
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