央行行长易纲：秉承三条理念监管大型金融科技公司_老虎社区_美港股上老虎

央行行长易纲：秉承三条理念监管大型金融科技公司

中国人民银行2021-10-09

原标题：易纲：中国大型科技公司监管实践——在国际清算银行（BIS）监管大型科技公司国际会议上的讲话感谢Augustin的邀请。很高兴参加此次BIS监管大型科技公司国际会议，并借此机会同大家分享中国对大型科技公司的监管实践。一、在技术进步的推动下，中国金融科技蓬勃发展近年来，人工智能（A）、大数据（B）、云计算（C）、分布式记账（D）、电子商务（E）等新兴技术逐渐与金融业务深度融合，加速了...

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217

飞天幻影
·2021-10-10
好
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2
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- 飞天幻影:
  好
  2021-11-09
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Liaw_0430
·2021-10-10
阅
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1
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T2021085010
·2021-10-10
所以 $阿里巴巴-SW(09988)$会涨？会跌？
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- sgFIREmm:
  https://youtu.be/hppamiD-o88
  2021-10-10
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中国ChinaATM
·2021-10-10
这都啥理念
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1
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- 云里梦里飞:
  [难过] [愤怒] [无语]
  2021-10-10
  回复
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CCTong
·2021-10-10
好
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3
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松子5510
·2021-10-10
👍
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2
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海泓
·2021-10-10
加强监管，是对金融科技公司健康有序发展是有极大的好处
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1
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yapfuiping
·2021-10-10
Good
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4
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- cy8:
  yes
  2021-10-10
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金融难民
·2021-10-10
在坐的都是明白人，乖乖把保护费交了吧
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6
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- 云里梦里飞:
  哈哈
  2021-10-10
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BP小林
·2021-10-10
[财迷] [财迷] [财迷]
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2
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- BP小林:
  👍
  2021-10-10
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- ming_5868:
  [微笑]
  2021-10-10
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yoyo6969
·2021-10-10
[微笑]
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2
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Youn7276
·2021-10-10
阅
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3
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EliTan
·2021-10-10
ok
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2
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- EliTan:
  ok
  2021-10-10
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theng
·2021-10-09
好
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5
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- Paulyang:
  赞一个
  2021-10-09
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- 十八顺:
  没话说了 [微笑] [微笑]
  2021-10-10
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khe
·2021-10-09
Like and comment pls
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2
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hangyuliang
·2021-10-09
[微笑]
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2
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- hangyuliang:
  [微笑]
  2021-10-09
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Linda2240
·2021-10-09
[微笑]
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1
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- Linda2240:
  [微笑]
  2021-10-09
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yuliang559
·2021-10-09
[微笑]
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- yuliang559:
  [微笑]
  2021-10-09
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liuxiangwei
·2021-10-09
[微笑]
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- liuxiangwei:
  [微笑]
  2021-10-09
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href=http://www.pbc.gov.cn/goutongjiaoliu/113456/113469/4357047/index.html><strong>中国人民银行</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>原标题：易纲：中国大型科技公司监管实践——在国际清算银行（BIS）监管大型科技公司国际会议上的讲话 \n感谢Augustin的邀请。很高兴参加此次BIS监管大型科技公司国际会议，并借此机会同大家分享中国对大型科技公司的监管实践。\n一、在技术进步的推动下，中国金融科技蓬勃发展\n近年来，人工智能（A）、大数据（B）、云计算（C）、分布式记账（D）、电子商务（E）等新兴技术逐渐与金融业务深度融合，加速了...</p>\n\n<a 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Companies","themeId":null,"isJumpTheme":false,"ttsUrl":"https://static.tigerbbs.com/60a3401faf067c0ff13f8fb098668b47","symbols_score_info":{"159940":0.9},"content_text":"原标题：易纲：中国大型科技公司监管实践——在国际清算银行（BIS）监管大型科技公司国际会议上的讲话 \n感谢Augustin的邀请。很高兴参加此次BIS监管大型科技公司国际会议，并借此机会同大家分享中国对大型科技公司的监管实践。\n一、在技术进步的推动下，中国金融科技蓬勃发展\n近年来，人工智能（A）、大数据（B）、云计算（C）、分布式记账（D）、电子商务（E）等新兴技术逐渐与金融业务深度融合，加速了金融创新，并催生出移动支付、网络信贷、智能投顾等新业态。中国有近10亿互联网用户，为金融科技运用奠定了基础。2019年，87%的中国消费者使用金融科技，2020年末全球前20大平台公司中，中资企业已占据五席。\n中国金融科技不断发展创新，降低了金融服务的成本。在大型科技公司推动下，中国移动支付快速发展，目前普及率已达86%。二维码支付方式的普遍应用使商户无需购买受理终端等设备，大幅提高了支付时效，降低了交易成本。中国移动支付和网络支付费率均不超过0.6%，用户在利用电子支付工具收款时，还可以享受定制金融产品。\n金融科技也提高了中国金融服务的效率。中国互联网平台公司创造性地在电子商务交易中提供担保，推动线上消费快速发展。2020年中国网上零售额达12万亿元，同比增长11%。互联网平台公司还在开展互联网消费信贷和小额经营性贷款业务的过程中，运用大数据技术对用户“画像”，对违约概率的估计更加准确，在提升了融资效率的同时将违约概率维持在较低水平。\n金融科技发展还有效助力普惠金融。中国大型科技公司在业务扩张过程中，客观上使偏远地区、中小企业和普通家庭获得了更多金融服务，提高了资金分配效率，促进了经济发展。在数字技术赋能下，可以实现审批、风控等信贷全流程的数字化、线上化，减少了对抵押物的依赖，较好满足了小微企业“少、频、急”的融资需求。截至今年7月末，普惠小微贷款支持小微经营主体3800多万户，有效促进了就业，全国扶贫小额信贷累计发放超7100亿元，整体可持续。\n二、金融科技的不断发展也给中国监管当局带来了新挑战\n一是无牌或超范围从事金融业务。中国头部平台公司在开展电商、支付、搜索等各类服务时，获得用户的身份、账户、交易、消费、社交等海量信息，继而识别判断个人信用状况，以“助贷”名义与金融机构开展信贷业务合作，相当于未经许可开展个人征信业务。头部平台公司在同一个平台下提供理财、信贷、保险等金融服务，放大了金融风险的跨产品、跨市场传染的可能性。\n二是支付业务存在违规行为。过去，中国平台公司下设的支付机构可分别与上百家商业银行连接并开立账户，带来结算最终性问题，甚至可能引发系统性风险。部分平台公司违规将客户沉淀的备付金投资于多类金融资产。平台公司还在支付链路中嵌套“花呗”“借呗”等信贷业务，误导消费者。\n三是通过垄断地位开展不正当竞争。平台公司天然具备“赢者通吃”属性，可能引发市场垄断，降低创新效率。国内部分平台公司通过交叉补贴等方式抢占市场，获得市场支配地位后实行排他性政策，如排斥竞争对手进入平台、提供服务，二维码支付业务仅支持科技集团内部相关APP扫码支付等。\n四是威胁个人隐私和信息安全。为了获得平台公司的金融服务，中国的消费者往往需要向其提供个人信息。大型平台公司存在过度收集、甚至滥用消费者信息的情况，不利于消费者信息安全和隐私保护。\n五是挑战传统银行业的经营模式和竞争力。一方面，中国商业银行在服务场景和渠道、客户信息以及资金等方面曾享受显著的传统竞争优势，近年来各类互联网金融创新产品的快速发展对此造成挑战，加速了银行存款的分流，但并未纳入相应的监管。另一方面，中国有约4000家中小银行，自身资源有限，只能依赖大型科技公司提供的技术和平台进行客户维护、信用分析和风险控制，可能削弱获客能力和产品竞争力。\n三、中国对大型金融科技公司的监管应对\n为了应对上述挑战，中国持续弥补监管制度的“短板”，陆续出台了推动平台经济规范健康持续发展的措施。在此过程中，我们始终秉承以下三条理念：\n一是始终坚持“两个毫不动摇”，支持民营经济、互联网经济和数字经济健康发展。\n二是不断增强政策透明度和可预期性，保护产权和知识产权，保护隐私，促进公平竞争。\n三是坚持市场化、法治化、国际化方向，创造良好营商环境，扩大高水平对外开放，在数字领域强化科技创新国际合作。\n相关举措集中体现为以下三条监管实践：\n一是金融作为特许行业，必须持牌经营。\n二是建立适当的防火墙，避免金融风险跨部门、跨行业传播。\n三是断开金融信息和商业信息之间的不当连接，防止“数据-网络效应-金融业务”的闭环效应产生垄断。\n支付业务方面，2016年人民银行要求切断支付机构与商业银行的“两两直连”，以提升支付交易透明度，跨商业银行清算必须通过央行的基础设施来完成。去年底以来，金融监管机构要求断开支付工具与其平台上的其他金融产品的不当连接，使支付业务回归本源。未来将继续强化支付领域监管。\n审慎监管方面，2020年9月，我们建立了金融控股公司管理制度，要求开展金融业务的平台公司依法设立金融控股公司，将集团内从事银行、证券、保险等金融活动的机构全部纳入金控公司监管。这有助于落实金融业务与科技服务相隔离的要求。下一步，我们将落实好金融控股公司监管，实施并表管理，规范关联交易，加强审慎监管。\n金融业务必须持牌经营方面，平台公司开展金融业务，应遵循“同样业务，同样监管”原则。人民银行要求平台公司全面剥离与个人征信相关的业务，通过持牌个人征信机构向金融机构提供信用信息服务，化信息垄断为信息共享。下一步，我们将继续完善有关制度，落实个人征信等金融业务持牌经营。\n强化反垄断监管、维护公平竞争秩序方面，中国在2021年出台了平台经济领域的反垄断指南，强化反垄断和防止资本无序扩张。针对平台公司在支付领域的不正当竞争行为，推动大型互联网平台公司开放封闭场景，在支付方式上给消费者更多选择，从而为中小企业创造发展空间。未来，我们将发挥好与反垄断部门的监管合力，遏制滥用市场优势地位的垄断行为，积极应对算法歧视等新型垄断问题。\n强化数据保护，保障消费者权益方面，自2016年起，中国陆续出台了《网络安全法》《数据安全法》和《个人信息保护法》，着手治理信息收集和“霸王条款”，督促金融机构严格按照合法、正当、最小必要原则收集、使用和保管用户信息，充分保障个人隐私和消费者知情权、同意权、异议权、投诉权等合法权益。人民银行刚刚发布了《征信业务管理办法》，在征信领域规范了个人信息保护及信息主体各项合法权益。下一步，我们将在确保个人隐私和数据安全的前提下，探索实现更精准的数据确权，更便捷的数据交易，更合理的数据使用，继续激发市场主体活力和科技创新能力。\n当前数字经济蓬勃发展，正在对经济社会发展、生产生活方式、全球治理体系产生深刻影响。在数字经济时代，金融与科技融合发展是全球性趋势，科技向善（Technology 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