金管局:年內將就「先買後付款」產品向銀行髮指引
金管局表示,今年重點工作之一是加強創新產品的消費者保障,包括「先買後付款」產品、加強新保險產品的保障和落實信貸資料平臺。金管局助理總裁(銀行操守)區毓麟表示,香港陸續有機構提供「先買後付款」服務,英美兩國相關客戶去年按年倍增,香港應儘早就相關服務確保消費者受到保障,銀行需要幫助客戶認識這類信貸服務及其風險,減少客戶過度借貸帶來風險,局方希望可以今年就此向銀行發出指引。
副總裁阮國恆表示,該指引主要針對銀行,而銀行和不同平臺就「先買後付」產品有合作,有責任向客戶解釋產品條款,目前沒有打算引入特定監管制度監管這些平臺。
區毓麟補充,金管局去年第三季和保監局就使用保費融資投購香港長期保險保單的聯合查察出通告,金管局計劃年內聯同保監局向銀行發出指引,指引金融機構就客戶是否適合該投資作出負擔能力評估,並確保資訊充分披露。
金管局助理總裁(銀行監理)陳景宏表示,虛擬銀行正加快吸收新客戶,於去年底止共120萬個戶口開立,存款達250億元,批出貸款60億元。
阮國恆指,出入境限制爲銀行帶來營運挑戰,不過認爲在出入境流通和控制疫情之間取平衡屬困難,金管局會收集銀行意見,向政府反映,而全方位吸引人才尤其重要,會透過多個培訓計劃吸引其他行業人士和畢業生加入銀行業界。
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