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ipc2006
2021-07-08

The central bank requires personal information on online platforms to "disconnect" from financial institutions

这一要求并非新的指令，而是前期整改要求中的应有之义。

The central bank requires personal information on online platforms to "disconnect" from financial institutions

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The main reason for the interview is that these online platforms generally have serious violations such as engaging in financial business without a license or beyond the license scope, imperfect corporate governance mechanism, regulatory arbitrage, unfair competition, and damage to the legitimate rights and interests of consumers.In view of the outstanding problems that are common in the financial business of online platform enterprises at present, the financial regulatory authorities have put forward seven major rectification requirements, one of which is to break the information monopoly and carry out personal credit reporting business strictly through licensed credit reporting agencies in accordance with laws and regulations.According to this rectification requirement, the network platform directly provides the information voluntarily submitted by individuals, the information generated in the platform or the information obtained from the outside to financial institutions in the name of application information, identity information, basic information, personal portrait scoring information, etc. in the business cooperation with financial institutions, such as drainage, loan assistance and joint loan, and it is necessary to realize the comprehensive \"disconnection\" between personal information and financial institutions.According to Caijing reporters, the above-mentioned institutions have completed preliminary rectification plans before June 30, 2021. The reason why the Credit Information Administration of the Central Bank issued a notice again to stop the direct connection between personal information on online platforms and financial institutions is that some of the above-mentioned institutions still directly provide personal information to financial institutions in their rectification plans.An expert in the field of monopoly topics told Caijing that the online platform combines personal data with financial products, and the development of domestic mutual funds is such a simple logic. Under the current mode, all apps are doing personal credit reporting business, which is strictly non-compliant. \"Of course, this also has a certain relationship with the lag of China's credit reporting industry, which gives Internet companies room for arbitrage. In addition, it is also related to the lag of China's small, medium and micro enterprises and personal financial business itself.\"A senior analyst in the financial industry told Caijing that the products of these platforms have a common feature, that is, they are based on payment, collect data through payment business, and then superimpose the promotion of higher-level financial products on the basis of payment. Everyone can see its benefits. It is the foundation of modern business, can promote digital transformation, and even drive the development of the real industry. However, there are also some problems, such as the problem of leverage ratio and the problem of user data collection, which in turn leads to the \"two-choice\" competition, etc., it has gradually formed a monopoly ecology. This is harmful to the protection of users' rights and interests, and even to the whole economic development.Experts in the above-mentioned monopoly topic field said that if the policy is implemented in place, the way for all kinds of mobile apps to realize data value through financial services will be greatly narrowed, or basically blocked.A senior researcher told the Caijing reporter that from the perspective of maintaining the large market mechanism, strengthening anti-monopoly is intended to maintain the normal operation of the market mechanism, which is the top level. The regulatory authorities emphasize financial compliance operations, licensed operations, serving entities, inclusive services, and financial consumers, effectively protecting consumers' rights and interests, and protecting information security. These all belong to the broad category of behavioral supervision, which reflects the continuous improvement of behavioral supervision as a \"double pillar\", which is also consistent with international experience. Enterprises must adapt to this regulatory climate.At the same time, the construction of China's Internet financial credit information system is crucial. Recently, Zhu Peiqing, who works for Chifeng Central Sub-branch of the People's Bank of China, and Yang Lijuan, who works for Keshiketeng Banner Sub-branch of the People's Bank of China, jointly wrote an article suggesting improving the personal privacy protection system.First, improve relevant legal provisions. Formulate a practical Personal Information Protection Law to clarify the scope of personal information.Second, take effective actions. Enterprises should carry out Internet credit reporting activities in strict accordance with the management requirements of the Regulations on the Administration of Credit Information Industry, and at the same time further strengthen the ability of big data to collect and supervise the use of credit information, so as to provide strong support for the collection of credit information of big data. Under the guidance of relevant laws and regulations, strengthen the punishment of dishonesty of untrustworthy people. If there is any serious dishonesty, they should be investigated for corresponding legal responsibilities.The third is to strengthen the supervision and management of credit information to ensure the safety of credit information. Relevant departments should take active and effective measures to establish Internet financial supervision and Internet credit information collection databases. Only by strengthening credit information security management and establishing multi-channel personal information protection mechanisms can we effectively prevent credit risks and provide a comprehensive guarantee for the data security of Internet credit information collection.","source":"lsy1583384439392","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>The central bank requires personal information on online platforms to \"disconnect\" from financial institutions</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nThe central bank requires personal information on online platforms to \"disconnect\" from financial institutions\n</h2>\n<h4 class=\"meta\">\n\n《财经》2021-07-08 19:55\n\n</h4>\n</header>\n<article>\nText/Zhang WeiCaijing reporters learned from multiple sources that the Credit Information Administration of the People's Bank of China recently issued a notice to online platform institutions, requiring online platforms to achieve a comprehensive \"direct disconnection\" between personal information and financial institutions.This requirement is not a new instruction, but the proper meaning of the previous rectification requirements.On April 29, 2021, the People's Bank of China, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission, the State Administration of Foreign Exchange and other financial management departments (hereinafter referred to as the financial management departments) jointly conducted regulatory interviews with 13 online platform companies engaged in financial business. The main reason for the interview is that these online platforms generally have serious violations such as engaging in financial business without a license or beyond the license scope, imperfect corporate governance mechanism, regulatory arbitrage, unfair competition, and damage to the legitimate rights and interests of consumers.In view of the outstanding problems that are common in the financial business of online platform enterprises at present, the financial regulatory authorities have put forward seven major rectification requirements, one of which is to break the information monopoly and carry out personal credit reporting business strictly through licensed credit reporting agencies in accordance with laws and regulations.According to this rectification requirement, the network platform directly provides the information voluntarily submitted by individuals, the information generated in the platform or the information obtained from the outside to financial institutions in the name of application information, identity information, basic information, personal portrait scoring information, etc. in the business cooperation with financial institutions, such as drainage, loan assistance and joint loan, and it is necessary to realize the comprehensive \"disconnection\" between personal information and financial institutions.According to Caijing reporters, the above-mentioned institutions have completed preliminary rectification plans before June 30, 2021. The reason why the Credit Information Administration of the Central Bank issued a notice again to stop the direct connection between personal information on online platforms and financial institutions is that some of the above-mentioned institutions still directly provide personal information to financial institutions in their rectification plans.An expert in the field of monopoly topics told Caijing that the online platform combines personal data with financial products, and the development of domestic mutual funds is such a simple logic. Under the current mode, all apps are doing personal credit reporting business, which is strictly non-compliant. \"Of course, this also has a certain relationship with the lag of China's credit reporting industry, which gives Internet companies room for arbitrage. In addition, it is also related to the lag of China's small, medium and micro enterprises and personal financial business itself.\"A senior analyst in the financial industry told Caijing that the products of these platforms have a common feature, that is, they are based on payment, collect data through payment business, and then superimpose the promotion of higher-level financial products on the basis of payment. Everyone can see its benefits. It is the foundation of modern business, can promote digital transformation, and even drive the development of the real industry. However, there are also some problems, such as the problem of leverage ratio and the problem of user data collection, which in turn leads to the \"two-choice\" competition, etc., it has gradually formed a monopoly ecology. This is harmful to the protection of users' rights and interests, and even to the whole economic development.Experts in the above-mentioned monopoly topic field said that if the policy is implemented in place, the way for all kinds of mobile apps to realize data value through financial services will be greatly narrowed, or basically blocked.A senior researcher told the Caijing reporter that from the perspective of maintaining the large market mechanism, strengthening anti-monopoly is intended to maintain the normal operation of the market mechanism, which is the top level. The regulatory authorities emphasize financial compliance operations, licensed operations, serving entities, inclusive services, and financial consumers, effectively protecting consumers' rights and interests, and protecting information security. These all belong to the broad category of behavioral supervision, which reflects the continuous improvement of behavioral supervision as a \"double pillar\", which is also consistent with international experience. Enterprises must adapt to this regulatory climate.At the same time, the construction of China's Internet financial credit information system is crucial. Recently, Zhu Peiqing, who works for Chifeng Central Sub-branch of the People's Bank of China, and Yang Lijuan, who works for Keshiketeng Banner Sub-branch of the People's Bank of China, jointly wrote an article suggesting improving the personal privacy protection system.First, improve relevant legal provisions. Formulate a practical Personal Information Protection Law to clarify the scope of personal information.Second, take effective actions. Enterprises should carry out Internet credit reporting activities in strict accordance with the management requirements of the Regulations on the Administration of Credit Information Industry, and at the same time further strengthen the ability of big data to collect and supervise the use of credit information, so as to provide strong support for the collection of credit information of big data. Under the guidance of relevant laws and regulations, strengthen the punishment of dishonesty of untrustworthy people. If there is any serious dishonesty, they should be investigated for corresponding legal responsibilities.The third is to strengthen the supervision and management of credit information to ensure the safety of credit information. Relevant departments should take active and effective measures to establish Internet financial supervision and Internet credit information collection databases. Only by strengthening credit information security management and establishing multi-channel personal information protection mechanisms can we effectively prevent credit risks and provide a comprehensive guarantee for the data security of Internet credit information collection.\n<div class=\"bt-text\">\n\n\n source：<a href=\"https://mp.weixin.qq.com/s/cebxAK_g6AAo_Q2xvclvpA\">《财经》</a>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/5a36a344ea9cacb03addddd87ef31cbe","relate_stocks":{"000001.SH":"上证指数"},"source_url":"https://mp.weixin.qq.com/s/cebxAK_g6AAo_Q2xvclvpA","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1188969765","content_text":"文／张威\n《财经》记者从多方信源获悉，人民银行征信管理局于近日给网络平台机构下发通知，要求网络平台实现个人信息与金融机构的全面“断直连”。\n这一要求并非新的指令，而是前期整改要求中的应有之义。\n2021年4月29日，人民银行、银保监会、证监会、外汇局等金融管理部门（以下简称金融管理部门）联合对13家从事金融业务的网络平台企业进行监管约谈。约谈主要的原因在于，这些网络平台普遍存在无牌或超许可范围从事金融业务、公司治理机制不健全、监管套利、不公平竞争、损害消费者合法权益等严重违规问题。\n针对当前网络平台企业从事金融业务中普遍存在的突出问题，金融监管部门提出了七大整改要求，其中一项便是打破信息垄断，严格通过持牌征信机构依法合规开展个人征信业务。\n按照这项整改要求，网络平台在与金融机构开展引流、助贷、联合贷等业务合作中，将个人主动提交的信息、平台内产生的信息或从外部获取的信息以申请信息、身份信息、基础信息、个人画像评分信息等名义直接向金融机构提供，须实现个人信息与金融机构的全面“断直连”。\n据《财经》记者了解，上述各机构已于2021年6月30日前完成初步整改方案。央行征信管理局之所以再次发布通知，叫停网络平台个人信息与金融机构的直连行为，源于上述一些机构的整改方案中依然存在直接为金融机构提供个人信息的情况。\n一位垄断话题领域的专家向《财经》记者表示，网络平台将个人数据与金融产品结合，国内互金发展就是这么简单的逻辑。现在的模式下等于所有的APP都在做个人征信业务，严格说其实是不合规的。“当然，这与中国征信业滞后也有一定的关系，使得互联网企业有了套利空间，此外，与中国中小微企业和个人金融业务本身滞后也有关。”\n一位金融行业资深分析师向《财经》记者表示，这些平台的产品有一个共同特点，就是以支付为基础，通过支付业务去收集数据，然后再在支付的基础上去叠加更高层次的金融产品的推广。它的好处大家都能看到，它是现代商业的基础，能够促进数字化转型，甚至带动实体行业发展，但其中也存在一些问题，比如杠杆率的问题，用户数据采集的问题，进而产生“二选一”竞争等，它慢慢形成了一种垄断生态。这样对用户权益保护，甚至整个经济发展都存在危害。\n上述垄断话题领域的专家表示，如果政策执行到位，对各类手机APP将数据价值通过金融业务变现的路子大大收窄，或者说基本堵上了。\n一位资深研究者向《财经》记者表示，从大的市场机制维护方面，强化反垄断意在维护市场机制的正常运转，这是最顶层的。监管部门强调金融合规经营，持牌经营，服务实体、服务普惠、服务金融消费者，切实保障消费者权益、保护信息安全等。这些都属于广义的行为监管范畴，体现了行为监管作为“双支柱”地位的持续提升，这也与国际经验相符，企业要适应这一监管气候。\n与此同时，中国互联网金融征信体系建设工作至关重要。近日，供职于中国人民银行赤峰市中心支行的朱沛庆，与供职于中国人民银行克什克腾旗支行的杨丽娟联名撰文建议健全个人隐私权益保护制度。\n第一，完善相关法律条款。制定切实可行的《个人信息保护法》，明确个人信息的范畴。\n第二，采取切实有效的行动。企业应严格按照《征信业管理条例》的管理要求，开展互联网征信活动，同时进一步加强大数据的信用信息收集和使用监督能力，为大数据的信用信息收集提供有力支持。并在相关法律法规的指导下，加强失信人失信惩处力度，如有严重失信行为，应追究其相应的法律责任。\n三是加强信用信息的监督管理，确保信用信息的安全。有关部门应当采取积极有效的措施，着力建立互联网金融监管和互联网信用信息收集数据库，通过加强信用信息安全管理，建立多条渠道的个人信息保护机制，才能在有效防止信用风险发生的同时，提供互联网信用信息收集数据安全的全面保障。","news_type":1,"symbols_score_info":{"000001.SH":0.9}},"isVote":1,"tweetType":1,"viewCount":2384,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":2,"xxTargetLangEnum":"ORIG"},"commentList":[],"hasMoreComment":false,"orderType":2}