最有看点的互联网金融门户

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全新的互联网金融模式国际资讯监管与政策

Fintech能帮助挪威改善信贷紧缩局面吗?

全新的互联网金融模式国际资讯监管与政策

Fintech能帮助挪威改善信贷紧缩局面吗?

2017年,挪威政府曾收紧信贷政策,并将其视为在借贷行业增加消费者保护的必要措施。

而2018年1月,挪威保守党、自由党和进步党又在一份联合声明中表示:"政府将考虑进一步紧缩消费者借贷。"

随着政策发生变化,借贷机构的运营条件也要随之转变,而科技无疑是该国信贷行业维持企业运营的关键。

而挪威政府其实也是这么想的。2017年,挪威借贷监管政策改变后,该国政府建立了一个全新的债务数据库。所有出借方必须使用这个国家资源库对信贷申请者进行信用度审查。据了解,这只是挪威信贷行业科技化的第一步,该国预计还会推出其他更加准确的评估个人还贷能力的工具。

未来十年,随着此类科技的不断普及,理论上来说,欺诈风险会逐步下降,而借贷机构成本也会随之下调,进而能够为消费者提供更多利率更低的好产品。

比如,挪威的Norsk Kreditt就可以为借贷双方和监管机构提供详尽的挪威贷款市场信息。该网站可以比较各大出借方和提供的利率,为挪威公民提供有效利率、信用保险、申请流程等各方面的信息与教程。

与之类似,不少欧洲企业和组织也已经开始使用AI改进服务。比如巴塞罗那公司ID Finance最近宣布推出一行为生物信息识别算法AI软件。这一软件记录并分析消费者电脑习惯,借此预测可能欺诈情形:分析键盘敲字记录、鼠标行为和点击率,该AI算法可以确定某用户是否正在企图非法侵入某一电子银行账户。

与之类似,俄罗斯统一生物识别系统设计目的是增加银行安全性。该系统由Tinkoff Bank、VTB Bank、Pochta Bank和Rostelecom开发,利用图像及指纹信息来识别在线用户。俄罗斯现在40%的银行活动在网上发生,包括贷款,这一生物识别系统将会用来解决欺诈问题,更进一步评估贷款申请者的信用度。未来更多的组织机构甚至是国家将应用科技。而这似乎也是挪威可以学习借鉴的。

虽然挪威政府之前强制要求出借方更好审查申请者记录,但他们也希望能够教育公众,使之更好理解借贷。而这个过程中,科技的力量不容小视。虽然挪威领导人尚未决定是否落实更多监管变动,但显然,金融科技已经改善了公司和消费者借贷的方式。

或许,未来金融科技真的可以解开挪威消费信贷紧缩的难题指明一条道路。

For consumers in Norway, obtaining credit in the form of loans could soon become tougher according to Prime Minister Erna Solberg. Following a tightening of controls in 2017, the government now believes further regulation of the loan industry could be necessary to protect consumers.

“The government will consider additional tightening of consumer lending,” read a joint statement made by the Conservatives, the Liberals and the Progress Party in January 2018.

With operating conditions potentially set to change once again, technology will be the key to ensuring the survival of the country’s credit industry. Indeed, this is certainly the government’s perspective on the matter. After implementing regulatory changes in 2017, a debt database was created. Essentially a national resource that lenders must use to credit check loan applicants, the system is just one of the ways technology has improved the lending process. Indeed, for Norway, this database is the first step towards establishing a more accurate measure of an individual’s ability to repay a loan.

With this sort of technology likely to become commonplace within the next decade, both consumers and lenders should, in theory, be subject to fewer instances of fraud. The knock-on effect of this will be reduced costs for banks and, therefore, improved interest rates and products for consumers. Just as databases are making user profiles more open, the industry itself has been forced to become more transparent thanks to fintech. From a consumer perspective, modern technology has made it easier to find the best deals and, importantly, gain more information about borrowing.

For Norwegians in particular, Norsk Kreditt provides a comprehensive overview of the country’s loan market. As well as comparing the top lenders and their rates, the site educates users on everything from effective interest rates to credit insurance and even the application process. By opening up the industry and demystifying the process, these third-party sites are giving consumers the ability to make more informed decisions.

Elsewhere in Europe, organisations have already started to embrace artificial intelligence as means of improving their service. Barcelona-based ID Finance recently announced the launch of a new behavioural biometrics algorithm AI software. Designed to track and analyse a consumer’s computer habits, the algorithm is capable of predicting possible instance of fraud. By analysing keystrokes, mouse movements and click rates, the AI can determine whether a user is trying to illegally access an e-banking account.

Similarly, Russia’s unified biometrics system (UBS) has been designed to improve bank security. Developed by Tinkoff Bank, VTB Bank and Pochta Bank and Rostelecom, the software will use images and fingerprint data to identify online users. With 40% of banking activity, including loans, now taking place online in Russia, UBS will be used to tackle fraud and, moreover, assess the viability of a potential loan applicant. Such applications are showing the way forward, implementing technology that will likely be picked up by more organisations and even countries in the future.

Although the Norwegian government has forced lenders into carrying out better credit checks, there is also a desire to give the general public a better understanding of borrowing. This two-pronged approach has been made possible by modern technology. Although Norway’s political leaders may yet decide to implement more legal changes, technological innovations have clearly improved the way loans are handled by businesses and consumers. This, above all else, suggests fintech could be the answer to Norway’s crackdown on consumer credit.


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