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英国财政部:借金融科技之力振兴抵押信贷市场

本周,英国财政部宣布投资200万英镑,希望有企业可以开发出一套应用系统,帮助英国1100万租户记录和共享房租支付数据,协助这些人建立信用分数并在将来获得抵押贷款。财政部官员表示,本次“租房认知度挑战”的评委将由一批来自金融科技产业的领军人物担当。

英国财政部经济秘书Stephen Barclay表示:“每月的房租都是一笔不菲的支出,所以如果这个支付信息在申请抵押贷款能够得到认可,那会是非常有意义的一件事。要知道,没有信用记录是很难申请到抵押贷款的。”

大多数借贷机构和信用评级机构都不会将房租信息纳入考察范围,因为他们根本就接触不到这个信息。而本次英国财政部的这个计划就是要利用一种创新的模式来解决这个问题。

在本次挑战赛中,将会有6个入选企业获得首批基金,并将自己的提案完善成完整的产品。之后,评选委员会将会做出最终决断,选出一个团队的产品进行进一步的资助并帮助其产品正式登陆市场。

HM Treasury is offering £2 million to budding entrepreneurs who can develop an application that will enable Britain’s 11 million renters to record and share their rent payment data, helping to improve their credit scores and their chances of getting a mortgage. Winning bids to the Rent Recognition Challenge will be selected by a panel of "leading figures" from the fintech sector, says the Treasury.

The economic secretary to the Treasury, Stephen Barclay, says: "People’s monthly rent is often their biggest expense, so it makes sense for it to be recognised when applying for a mortgage. Without a good credit score, getting a mortgage can be a real struggle.

Most lenders and Credit Reference Agencies are unable to take rental data into account, because they don’t have access to it. The Rent Recognition Challenge will challenge firms to develop an innovative solution to this problem."

The competition will provide an initial round of grant funding to six promising proposals to help to turn the ideas into a workable product. The expert judges will then whittle the six down to just a handful of teams who will receive further funding and support to bring their ideas to market.


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