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金管局李達志:港銀壞帳率不是特別高 商業數據通助銀行掌握企業狀況
金管局副總裁李達志表示,本港銀行整體壞帳率不是特別高,形容是相對穩健,目前沒有商業數據通壞帳的具體數據分析,但認爲銀行透過商業數據通獲取真實數據,相信有助掌握企業業務狀況。 他指,一直與政府商討有甚麼數據可讓銀行等使用,除了已接入商業數據通的政府數據源如政府註冊處與土地註冊處,將來亦會接入海關的一站通。銀行方面亦曾表示有興趣獲取資訊,例如稅局提供的認可企業稅務資料,加強審批信心。 金管局分享商業數據通最新發展,當局與數字辦及商經局正緊密合作,計劃通過「商業數據通」與「授權數據交換閘」,連接商經局於2026年逐步上線的「貿易單一窗口」第三階段服務,用戶將可授權分享其進出口報關單資料予參與銀行,促進貸款審批。 另外,商業數據通今年4月成功與深港跨境數據驗證平臺實現對接,目前已經有銀行成功接入新安排以辦理個人和企業貸款業務。 金管局亦正進行商業信貸資料庫2.0概念驗證項目,推動商業信貸資料庫營運商構建企業信用評分模型。九間試點銀行初步認爲新模型在簡化貸款申請流程及降低中小企借貸成本等方面成效顯着。
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