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传统金融的互联网化国际资讯

“开放银行”倡议将为英国带来10亿英镑商机

传统金融的互联网化国际资讯

“开放银行”倡议将为英国带来10亿英镑商机

来自经济和商业研究中心(Cebr)和调查平台Trustpilot的研究显示,由于英国银行客户现在可以向挑战者银行等第三方提供其财务数据,因此预计未来英国金融市场,尤其是银行业市场的竞争会进一步加剧。

反过来,由于银行对信用风险有更好的了解并被迫参与竞争,这将推动他们降低目前与抵押贷款等产品相关的利率风险溢价。

因此该项研究得出结论,这种贷款产品的细节改变每年将为英国国内生产总值多贡献至少10亿英镑。

然而该研究援引埃森哲最近的一项调查指出,大约69%的人可能不愿意分享他们的数据,所以说,银行获取消费者信任可谓任重道远。

Cebr的研究还发现,通过向客户收取代表更准确风险状况的利率或者减少“信用差额”,有助于更多资金将被释放用于经济。Cebr指出,比如按揭贷款利率每下降1%,GDP就会增加1.53亿英镑。因此,假设今天开放银行业务的信贷利差减少7%,那么2018年英国将新增总额10.69亿英镑的GDP。

Since customers can now make their financial data available to third parties such as challenger banks, this should increase competition in the marketplace according to a new study from the Centre for Economics and Business Research (Cebr) and review platform Trustpilot.

In turn, since banks will have a better picture of credit risk and be forced to compete, this will push them to reduce the risk premium currently charged on interest rates linked to products like mortgages.

Such improved lending practices will unlock more than £1bn in additional annual UK GDP on an annual basis, the study concludes.

“By giving customers the choice to provide their financial data to third parties, Open Banking is set to unleash significant innovation across UK financial services. The new standards will also increase competition and remove information barriers as a plethora of new fintech players access the data necessary to provide compelling new services," said Truspilot's senior vice president Glenn Manoff.

However, the research noted a recent survey from Accenture which found 69 per cent of people may not be willing to share their data, and added that banks must earn consumers' trust.

"Our analysis suggests Open Banking will have a positive impact on UK GDP as additional funds become available for productive use in the wider economy, but the degree to which these economic benefits are realised is dependent on the readiness of consumers to consent to sharing data," explained Cebr's head of micro-economics Cristian Niculescu-Marcu.

The research found that by charging customers interest rates that represent more accurate risk profiles, or reducing the "credit spread", more money would be freed for use in the economy.

Cebr found that every one per cent reduction in the credit spread on mortgages leads to a £153 million increase in GDP. So with Open Banking assumed to result in a seven per cent reduction in today’s credit spread, this would lead to a total £1.069bn in additional GDP.


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