金管局就「先買後付」向銀行發出通告 今年底前須落實七項保障消費者措施
金管局今日就「先買後付」產品向銀行發出通告,要求銀行落實七項保障消費者的措施,銀行需要在今年底前落實措施。
銀行必須在「先買後付」的廣告及宣傳資料上,清楚及顯著地註明此屬「信貸產品」,並清楚披露相關費用及利息,並以實際年利率列出這些相關費用及利息供客戶參考。至於標榜「免息」的「先買後付」產品,亦必須在同一宣傳資料上註明其他收費。
銀行審批「先買後付」產品時,必須評估申請人的信貸狀況,並考慮申請人的還款能力,並在產品資料概要中,需要提醒客戶一旦逾期還款,將影響客戶的信貸紀錄,甚至影響未來獲得信貸的機會;銀行亦要讓客戶充分了解退款(chargeback)機制在「先買後付」產品中是否及如何適用。
另外銀行必須在「先買後付」產品的廣告及宣傳資料上,寫明「借定唔借?還得到先好借!」的教育字眼,與現時其他零售客戶及中小企的信貸產品看齊。
通告指,銀行與電子商貿平台合作時,如果「先買後付」是結帳的預設或首選支付方式,銀行應評估這種安排會否容易導致衝動借貸。
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