最有看点的互联网金融门户

最有看点的互联网金融门户
全新的互联网金融模式国际资讯监管与政策

澳洲金融科技企业达成自律监管协定

全新的互联网金融模式国际资讯监管与政策

澳洲金融科技企业达成自律监管协定

近日一份相关报告显示,澳大利亚中小企业借款人普遍感觉在借贷过程中受到了来自借款方的"欺骗"。为了应对市场对利率及手续费透明度的质疑,澳大利亚金融科技企业决定就此开始自律监管行动。

按照本次自律监管守则要求,放款机构必须以标准化模式发放贷款,并对外披露其利率、额外手续费,以便借款人进行比较。

其次,守则还希望借此机会清楚一些隐藏在借款合同中的不合理条款,比如要求在借款人提前偿还贷款后,仍要求借款人支付相关利息。

该守则由小企业检查机构ASBFEO、FinTech Australia和中小企业发展倡导者Bank Doctor通过共同谈判协商达成。

此外,以上三个机构还共同发布了一份题为《金融科技向中小型企业的贷款》的报告。报告总长57页,对金融科技公司弥补银行资金缺口的作用予以了高度认可。自2008年金融危机以来,政府贷款限制日益严格,加之中小企业贷款(相对)利润较低,大部分银行都相继撤出了澳大利亚的中小企业贷款市场。

报道还发现,金融科技公司已经获得了两大政党的广泛支持。比如,政府为此专门推出了一系列支持性立法,比如开放"监管沙盒"、设立银行业开放标准等。

Australia's fintech industry will 'self-regulate' after an important report found some SME borrowers felt deceived by fintech lenders' practices.

Facing calls for transparency on interest rates and fees, Aussie fintechs have agreed to self-regulate and abide by a code of conduct.

The code will require lenders to disclose their interest rates, disclose additional fees and present their loans in a standardised way that allows borrowers to compare them.

The code will also, it is hoped, weed out some of the nastier lending clauses that are hidden in borrowers’ contracts. These have included clauses that require borrowers to pay out the interest they contracted to pay over time, even if they repay their loan early.

The agreement comes after several weeks of negotiation between three parties: the small business ombudsman ASBFEO, lobby group FinTech Australia, and SME advocate the Bank Doctor, and in response to an important report published by the three groups.

The 57-page report, entitled ‘Fintech lending to small and medium-sized enterprises’, found fintechs were doing important work plugging a funding gap left by the banks. Tighter lending restrictions introduced since the 2008 financial crisis together with the (relatively) small profits SME loans generate has meant banks have mostly vacated SME lending in Australia. The banks' departure has created a void for fintechs to fill, the report noted.

Fintechs filling this void has broad-based support from both major political parties, the report found. Thus the government had rolled out supportive legislation, including a regulation-free “sandbox” for fintechs to play in, and laws mandating an open banking standard, a major demand from fintech companies.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

BBVA与Anthemis携手在伦敦设立金融科技孵化器

Emily Nico... | CITY A.M. 2天前

SEC宣布成立创新与金融科技战略中心

高旭 2天前

欧洲再多一家金融科技基金,预计规模5亿美元

George Ged... | ALTFI 10-18

从3家创企看阿根廷金融科技产业未来

栀航 10-17

迪拜Alcazar资本计划合作设立1亿美元金融科技基金

Finextra | FINEXTRA 10-16

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1