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澳大利亚银行可能必须向金融科技企业分享数据了

澳大利亚财政部长斯科特·莫里森正在考虑迫使澳大利亚大银行向金融科技创业企业分享更多的数据,以提振澳大利亚综合信用报告制度的总体效用。

这一公告于昨日正式发布。作为政府新政策的一部分,这份文件也提现了澳大利亚政府致力于促进金融科技行业增长的美好愿景。

据透露,这份文件将直接引导生产力委员会(Productivity Commission)审查“提高数据可用性和使用选项”,其中包括对于金融科技行业呼吁增强综合信用报告强制性的回应。

澳大利亚综合信用报告制度于2014年3月推出,旨在加强各贷款机构之间消费者全面信用历史信息的共享。而金融科技行业发出上述呼吁,正是因为澳大利亚大型银行迟迟不愿意主动参与到这个计划中来。

政策声明指出,更好的信用数据共享可以为P2P借贷开拓更多的产品和市场空间,并提升贷款机构提供客户定制产品的能力。

生产力委员会审查也将考虑数据共享的其他领域,包括规范财务数据汇总的方法,并为开放的API提供政府支持,保证为金融科技运营商提供更加便利的数据交换。

莫里森指出,本届政府将对金融科技领域予以大力支持,因为这个新兴领域对于创造 “未来现代的、灵活的经济”来说至关重要,它将加速经济发展,促进经济转型。

莫里森说,政府将继续研究各方需求和潜力,并在未来将众筹监管经验拓展到在线借贷领域。同时,政府还将建立“监管沙箱”,为处于产品测试阶段的金融科技企业预留监管空间。

政府还提出了支持在金融领域使用区块链技术,但目前还未出台任何正式的政策规定。

Treasurer Scott Morrison is considering forcing Australia's big banks to share more of their data with financial technology start-ups to bolster the country's comprehensive credit reporting scheme.

The announcement was made as part of the government's new policy vision for growing the fintech sector, launched today.

It revealed it would direct the Productivity Commission to review "options for improving data availability and use", including weighing up calls from the fintech sector to make comprehensive credit reporting mandatory.

The fintech industry's request draws from a perceived reluctance on the part of the big banks to take part in the comprehensive credit reporting scheme, which was introduced in March 2014 to allow the all facets of a consumer's credit history - not just defaults - to be exchanged between lenders.

The government's policy statement posits that better credit data sharing could open up more space for peer-to-peer lending products and marketplaces, and will give lenders a better capacity to tailor products to their customers.

The Productivity Commission review will also consider options for other areas of data sharing, including standardising methods for financial data aggregation and providing government support for open APIs that could facilitate access to critical transactions data for fintech operators.

Speaking from the headquarters of Sydney fintech hub Stone and Chalk, Morrison claimed "the Turnbull government is saying loudly and clearly that we back you".

He said the fintech sector would be critical to creating the "modern, agile economy of the future" and fintech innovations could "lubricate the economy and drive a transition that previously wasn't possible".

The government will continue consultation around the potential to extend its crowdfunding framework to debt funding, Morrison said, and to establish a 'regulatory sandbox' that would free fintech start-ups from having to meet certain regulatory demands while still in the testing phase of new products.

The government has also put its support behing the use of blockchain technology in the financial sector but stopped short of any policy provisions to boost adoption.


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评论

  • j
    joe2041在 2016/03/22 16:37回复

    信用数据的共享,构成双赢,金融机构可以获得用户的社交数据,互联网金融机构获得用户的金融数据,对用户的信用画像更加贴切。

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