澎湃新闻在当时的报道中提到，穆迪在报告中认为，百行征信将为非银行消费金融参与者如P2P网贷平台等目标客户机构填补消费者信贷记录的信息缺口。该机构表示，对发放个人贷款的银行和消费金融资产支持证券 （ABS） 具有正面信用影响，原因是百行征信将使用非银行消费者行为数据作为其个人征信信息来源，银行和资产证券化交易发起人可以藉此完善贷前审批、结构设计和贷后监测，从而提升其个人贷款资产组合质量。
Alibaba and Tencent refuse to hand loans data to Beijing
Yuan Yang and Nian Liu in Beijing YESTERDAY
China’s tech giants Tencent and Alibaba are refusing to co-operate with a government-backed credit scoring programme by withholding access to their troves of customer loans data, according to two people familiar with the project.
The People’s Bank of China launched Baihang, a private credit scoring company, in March 2018 in order to create a national system that would cover the 460m Chinese who have no formal credit histories but who may be relying on the country’s vast fintech sector for loans.
But despite operating for a year and a half and being the only company licensed in China to provide personal credit scores, Baihang’s coverage of users has been patchy. The lack of co-operation highlights the struggle between the government and China’s major tech companies over control of user data.
Tencent’s Tencent Credit and Alibaba’s Sesame Credit, part of its Ant Financial payments affiliate, were forced to abandon their own attempts at building credit-scoring schemes after the PBoC revoked their permissions to do so in February 2018.
Instead, the PBoC set up Baihang and made the fintech giants shareholders in the new company in an attempt to break the tech giants’ oligopoly on credit data. But the new shareholding scheme has not smoothed the path to co-operation.
In particular, since Tencent and Sesame hold the most customer data by far of any of their peers, they have the least to gain from pooling their credit data with Baihang.
“We’d like to get personal information and credit data from Tencent and Alibaba,” said one Baihang employee who asked to stay anonymous. “Names, ID and phone numbers, histories of borrowings and paybacks.”
A former employee of Tencent, who was familiar with the negotiations between Baihang and its member companies, also confirmed that Tencent and Alibaba were not sharing their loan transaction data.
“If it had been the [PBoC] itself asking for data, rather than this arm’s-length lower-level body, then perhaps they would have given it,” the former employee added. Sesame Credit declined to comment. Baihang and Tencent did not respond to requests for comment.
Tencent Credit and Sesame Credit are among eight fintech companies, including Ping An Bank’s Qianhai Credit and Kaola Credit, that each own an 8 per cent share of Baihang. The National Internet Finance Association, an industry body, holds the remaining 36 per cent.
By April this year, over 700 financial institutions and companies, mostly online microlenders, had connected to Baihang’s credit database, according to state media. This means those companies can feed in their credit transaction data in return for getting fuller credit histories on users.
However, according to the Baihang employee, only three of the eight shareholding companies have agreed to feed their data into Baihang’s system.
All the eight companies are major credit scoring companies that were given temporary permission back in 2015 by the PBoC to explore and develop an all-encompassing personal credit scoring model. But the PBoC revoked their permissions after considering the pilot to have failed. （来源：FT、澎湃新闻）