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本港信貸資料平台今起運作 三家信貸資料服務機構獲選
阿思達克 11-28 16:48
香港銀行公會、香港有限制牌照銀行及接受存款公司公會及香港持牌放債人公會(統稱行業公會)公布,「信貸資料平台」(CRP)經已完成系統測試,於今日(28日)正式開始運作。三家正式獲選為「多家個人信貸資料服務機構(MCRA)模式」下的信貸資料服務機構,分別為諾華誠信、壹賬通金融科技及環聯信貸。 在MCRA模式下,所有信貸提供者均需連接至「信貸資料平台」。該平台利用分布式分類賬技術(DLT)、大數據架構和應用程式介面等最新技術,讓參與的信貸提供者(如銀行及放債人)和個人信貸資料服務機構能夠在一個通用及可靠的平台,以加密形式傳輸個人信貸資料,加強數據保護。「信貸資料平台」的中央資料庫設於香港,獲選的信貸資料服務機構不得將個人信貸資料轉移至香港境外儲存和處理。 行業公會已與各家獲選的信貸資料服務機構簽訂服務協議,其中列明有關服務的基本框架和標準水平。
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