最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯监管与政策

阻碍Fintech企业获取数据,欧洲多家银行遭遇调查

近日,欧盟反垄断部门就荷兰和波兰银行协会及其成员阻碍金融科技企业获取消费者账户数据一事发起调查。

据路透社报道,该部门发言人上周正式对外透露了这两家被调查的协会,而德国、英国和法国银行业组织表示并未收到调查通知。

虽然并未透露具体的企业或机构名称,但是欧盟委员会相关机构在其声明中表示,受调查企业的行为可能违反了欧盟反垄断的监管规则,比如禁止非银行金融业机构在提供金融服务时在线获取消费者账户信息。如果调查情况属实,相关企业和机构将面临其全球营业总额10%的高额罚款。

一直以来,欧盟委员会一直致力于推动本地区金融科技产业发展,希望早日赶上中美两国的脚步。因此,委员会要求银行需在必要情况下向金融科技企业开放消费者数据。去年6月英国宣布退欧后,这一趋势显得更为迫切,因为目前全欧金融企业的80%都位于英国。

虽然监管要求如此,但是欧盟境内各类银行及其组织态度却并不大主动。

EU antitrust authorities have launched an investigation into whether Dutch and Polish banking associations and their members are blocking FinTech companies from accessing customer account data.

According to a Reuters news report, spokesmen from both associations confirmed that the two bodies were the targets of dawn raids by the European Commission last week. Representatives of the German, British and French banking bodies said they were not raided.

The European Commission announced last week it had conducted the inspections. While it didn’t name a specific company, an EU statement said that the companies involved “may have engaged in anti-competitive practices in breach of EU antitrust rules.”

These practices could have then prevented non-bank competitors from gaining online access to customer account information in order to provide financial services – even after they received prior authorization from the customers.

The investigation is focusing on whether banks and their national industry associations acted as a cartel or abused their dominance. Companies found guilty of breaching EU antitrust rules face fines of up to 10 percent of their global turnover.

The Commission has been working to attract more FinTech companies in an effort to catch up with the United States and China. As a result, it requires banks to provide customer data to competing services. There is also a greater sense of urgency since Britain’s withdrawal from the EU – and more than 80 percent of the bloc’s FinTech market is based in Britain.

But FinTech businesses have found banks to be reluctant to share customer data, while proposed regulatory rules, such as higher liquidity and capital buffers, are also seen as barriers.

The inspections are a preliminary step into suspected practices that may not result in formal accusations.


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