FT報道:阿里和騰訊拒絕向央行主導的百行徵信提供信貸數據-澳洲新闻网

                                              2019年09月20日 17:03 来源:澳洲新闻网 编辑:快乐5分彩官网

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                                              By April this year, over 700 financial institutions and companies, mostly online microlenders, had connected to Baihang』s credit database, according to state media. This means those companies can feed in their credit transaction data in return for getting fuller credit histories on users.

                                              「We』d like to get personal information and credit data from Tencent and Alibaba,」 said one Baihang employee who asked to stay anonymous. 「Names, ID and phone numbers, histories of borrowings and paybacks.」

                                              本文首發於微信公眾號:UN財經↑。文章內容屬作者個人觀點△,不代表和訊網立場〇π。投資者據此操作﹡,風險請自擔♀♂♂。

                                              The People』s Bank of China launched Baihang, a private credit scoring company, in March 2018 in order to create a national system that would cover the 460m Chinese who have no formal credit histories but who may be relying on the country』s vast fintech sector for loans.

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                                              FT在報道中稱⊙♂,央行發起成立百行徵信↑,並讓新金融科技巨頭成為百行徵信公司的股東⊿,試圖打破科技巨頭對信貸數據的寡頭壟斷∟,但是新的股權計劃並沒有為合作鋪平道路∴。

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                                              In particular, since Tencent and Sesame hold the most customer data by far of any of their peers, they have the least to gain from pooling their credit data with Baihang.

                                              Tencent Credit and Sesame Credit are among eight fintech companies, including Ping An Bank』s Qianhai Credit and Kaola Credit, that each own an 8 per cent share of Baihang. The National Internet Finance Association, an industry body, holds the remaining 36 per cent.

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                                              澎湃新聞在當時的報道中提到⊿,穆迪在報告中認為↑,百行徵信將為非銀行消費金融參与者如P2P網貸平台等目標客戶機構填補消費者信貸記錄的信息缺口♂⊙☆。該機構表示⊙⌒,對發放個人貸款的銀行和消費金融資產支持證券 (ABS) 具有正面信用影響□△▽,原因是百行徵信將使用非銀行消費者行為數據作為其個人徵信信息來源♂∴,銀行和資產證券化交易發起人可以藉此完善貸前審批、結構設計和貸后監測∴,從而提升其個人貸款資產組合質量〇⊙。

                                              報道所指的政府支持的信貸評分機構♂﹡∟,是2018年5月22日在深圳掛牌成立的百行徵信有限公司??。澎湃新聞報道┊,百行徵信的成立π△↑,旨在將央行徵信中心未能覆蓋到的、銀行貸款以外的個人金融信用信息歸納在一起﹡。此前⌒〇∟,中國提供個人徵信服務的「正規軍」只有央行徵信中心及其下屬的上海資信公司∟□△。其中⌒♂,徵信中心作為央行直屬事業單位∟⊙△,專門負責我國企業和個人信用信息基礎數據庫的建設、運行和維護〇∴∵。

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                                              Instead, the PBoC set up Baihang and made the fintech giants shareholders in the new company in an attempt to break the tech giants』 oligopoly on credit data. But the new shareholding scheme has not smoothed the path to co-operation.

                                              「If it had been the [PBoC] itself asking for data, rather than this arm』s-length lower-level body, then perhaps they would have given it,」 the former employee added. Sesame Credit declined to comment. Baihang and Tencent did not respond to requests for comment.

                                              But despite operating for a year and a half and being the only company licensed in China to provide personal credit scores, Baihang』s coverage of users has been patchy. The lack of co-operation highlights the struggle between the government and China』s major tech companies over control of user data.

                                              All the eight companies are major credit scoring companies that were given temporary permission back in 2015 by the PBoC to explore and develop an all-encompassing personal credit scoring model. But the PBoC revoked their permissions after considering the pilot to have failed.

                                              Tencent』s Tencent Credit and Alibaba』s Sesame Credit, part of its Ant Financial payments affiliate, were forced to abandon their own attempts at building credit-scoring schemes after the PBoC revoked their permissions to do so in February 2018.

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                                              A former employee of Tencent, who was familiar with the negotiations between Baihang and its member companies, also confirmed that Tencent and Alibaba were not sharing their loan transaction data.

                                              目前↑∴,僅有3家股東同意將數據接入百行徵信系統♂。但FT沒有點出具體是哪3家∟π∴。附原文:China』s tech giants Tencent and Alibaba are refusing to co-operate with a government-backed credit scoring programme by withholding access to their troves of customer loans data, according to two people familiar with the project.

                                              However, according to the Baihang employee, only three of the eight shareholding companies have agreed to feed their data into Baihang』s system.

                                              根據金融時報(FT)報道∴,阿里巴巴(螞蟻金服)和騰訊拒絕與政府支持的信貸評分機構合作∟,拒絕提供手頭擁有的大量客戶貸款數據π↑┊。

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