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银公:诺华诚信、壹账通及环联信贷进入下一阶段个人信贷资料库招标
阿思达克 05-17 09:07
银行公会上周五(14日)举行例会後公布,为引入多个个人信贷资料服务机构,银行公会委托独立顾问公司於今年第一季正式进行招标,银行公会专责小组仔细检视入标机构的建议书後,宣布邀请诺华诚信、壹账通金融科技,及环联信贷资料服务有限公司三家机构进入下一个阶段。

银行公会专责小组和顾问公司将进一步评估三家机构的能力,包括要求三家机构提交由独立第三方撰写的考核报告,确认该机构有能力满足业界严格要求,涵盖资讯安全、系统管理及数据管理等。其中有关私隐资料的处理,必须满足香港个人资料私隐专员公署所订立的评估框架,包括「道德数据管理问责框架」。

银行公会重申,引入多家个人信贷资料服务机构,主要目的是减低现时因市场只有一家个人信贷资料服务机构而衍生的「单点失误」营运风险,以保障消费者权益。公会明白公众对这项计划的关注,惟基於招标程序一贯的保密原则,将适时公布进一步详情。

公会并指,随着本港疫情缓和,香港经济的确初见起色,结束连续六季的经济收缩,今年首季按年增长7.9%,政府亦推出包括百分百担保个人贷款等多项纾缓措,以及将於下半年推出的电子消费券,相信香港经济下半年的增长动力会加强。不过公会相信经济复苏需时,由於宏观经济仍然存在多项不确定性,反映资本市场的资产价格无可避免受到这些因素影响,出现较大波动。本港资金仍然充裕,银行同业拆息持续处於相当低的水平,估计超低利率的环境将会维持一段时间。

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