<p>作者：拜伦·凯</p>
<p>悉尼，6 月 10 日（路透社）——澳大利亚的 Afterpay 部分客户被要求关闭先买后付账户以符合抵押贷款资格，并在符合条件后被提供信用卡，该 BNPL 提供商周二表示，这突显了消费者金融子行业的激烈竞争。</p>
<p>BNPL 贷款是即时的无息短期贷款，信用审核 minimal，作为年轻购物者在 COVID-19 封锁和刺激支付后在线购物狂潮中的替代选择而迅速增长。客户通过承诺保持或增加借款额度来激励按时还款。</p>
<p>在对 1000 名客户的调查中，Afterpay 表示超过 10% 的客户报告称，他们被告知关闭 BNPL 账户以符合贷款资格的同一家银行或抵押贷款经纪人提供了信用卡，但未具体说明是哪家银行或经纪人。</p>
<p>Afterpay 由美国科技亿万富翁杰克·多尔西的 Block（XYZ.N）拥有，领先于澳大利亚的 BNPL 市场，活跃月用户超过 350 万，占全国 BNPL 账户总数的一半，政府数据显示。</p>
<p>法律要求贷款人对申请人的财务状况进行合理询问，但可能不会提供财务建议。</p>
<p>澳大利亚联邦银行（Commonwealth Bank of Australia）和第三大贷款机构澳大利亚国民银行（National Australia Bank，NAB.AX）的发言人告诉路透社，他们并未告知申请人关闭 BNPL 账户。</p>
<p>第四大贷款机构澳新银行（ANZ，ANZ.AX）的发言人表示，该银行会将 BNPL 负债与个人的其他财务状况一起评估，并且 “根据客户的整体财务状况、目标和目的，他们可能会选择重组或关闭某些债务——例如 BNPL 账户——以支持他们的申请”。</p>
<p>Afterpay 声称，银行正在利用对 BNPL 用户比传统借款人更具风险的看法，以保护一个正在下降的贷款类别。</p>
<p>由于借款人寻求更便宜的选择，澳大利亚的信用卡债务利息累计下降了 30%。</p>
<p>该公司补充说，其调查发现 BNPL 用户的信用评分和按时还款记录与信用卡用户大致相当。</p>
<p>BNPL 模式迄今为止避免了澳大利亚消费者信贷法的监管，因为它不涉及利息。然而，澳大利亚政府去年表示，“如果它看起来和表现得像信贷，那么就应该像信贷一样受到监管。”</p>
<p>新的立法要求 BNPL 公司对借款人进行信用检查，将于周二生效，Afterpay 公共政策负责人迈克尔·萨达特希望这将改善用户信用 worthiness 的透明度。</p>
<p>Afterpay 客户关闭账户的主要原因是他们的贷款人或经纪人告知他们这样做，而 “这不应该是由于对监管要求的误解所驱动的，” 萨达特在接受路透社采访时表示。</p>
<p>根据抵押贷款经纪人 AFG（AFG.AX）的数据，澳大利亚每 10 笔抵押贷款中就有 1 笔是由经纪人安排的。AFG 的行业与合作伙伴关系总经理马克·休伊特表示，该公司不分发信用卡，但负责任的贷款规则要求其 “确保对申请人满足财务承诺的能力进行充分询问”。</p>

<p>Afterpay，澳大利亚领先的先买后付（BNPL）服务提供商，报告称一些客户被要求关闭他们的 BNPL 账户以符合抵押贷款的资格，同时被提供信用卡。这突显了消费金融领域的竞争格局。一项调查显示，超过 10% 的用户面临这种情况，Afterpay 表示银行将 BNPL 用户视为风险更高的群体。新的立法要求 BNPL 公司进行信用检查，旨在提高透明度。Afterpay 的公共政策负责人强调，账户关闭不应源于对监管要求的误解</p>

<p>By Byron Kaye</p>
<div class="lb-trans"><p>作者：拜伦·凯</p>
</div><p>SYDNEY, June 10 (Reuters) - Some customers of Australia’s Afterpay have been asked to close buy-now-pay-later accounts to qualify for a mortgage and offered a credit card upon qualification, the BNPL provider said on Tuesday, underscoring fierce competition in the consumer finance sub-sectors.</p>
<div class="lb-trans"><p>悉尼，6 月 10 日（路透社）——澳大利亚的 Afterpay 部分客户被要求关闭先买后付账户以符合抵押贷款资格，并在符合条件后被提供信用卡，该 BNPL 提供商周二表示，这突显了消费者金融子行业的激烈竞争。</p>
</div><p>BNPL loans, on-the-spot interest-free short-term loans with minimal credit checks, exploded as an alternative for younger shoppers after the COVID-19 lockdowns and stimulus payments spurred an online shopping frenzy. Customers are incentivised to pay on time by the promise of maintaining or increasing their borrowing limit.</p>
<div class="lb-trans"><p>BNPL 贷款是即时的无息短期贷款，信用审核 minimal，作为年轻购物者在 COVID-19 封锁和刺激支付后在线购物狂潮中的替代选择而迅速增长。客户通过承诺保持或增加借款额度来激励按时还款。</p>
</div><p>In a survey of 1,000 of its customers, Afterpay said more than 10% reported being offered a credit card by the same bank or mortgage broker that told them to close their BNPL account to qualify for a loan, without specifying which banks or brokers.</p>
<div class="lb-trans"><p>在对 1000 名客户的调查中，Afterpay 表示超过 10% 的客户报告称，他们被告知关闭 BNPL 账户以符合贷款资格的同一家银行或抵押贷款经纪人提供了信用卡，但未具体说明是哪家银行或经纪人。</p>
</div><p>Owned by U.S. tech billionaire Jack Dorsey’s Block (XYZ.N) , Afterpay leads Australia’s BNPL market with more than 3.5 million active monthly users, half the country’s total BNPL accounts, according to government figures.</p>
<div class="lb-trans"><p>Afterpay 由美国科技亿万富翁杰克·多尔西的 Block（XYZ.N）拥有，领先于澳大利亚的 BNPL 市场，活跃月用户超过 350 万，占全国 BNPL 账户总数的一半，政府数据显示。</p>
</div><p>Lenders are required by law to make reasonable inquiries about an applicant’s finances but may not give financial advice.</p>
<div class="lb-trans"><p>法律要求贷款人对申请人的财务状况进行合理询问，但可能不会提供财务建议。</p>
</div><p>Spokespeople for Commonwealth Bank of Australia, the biggest lender, and No.3 lender National Australia Bank (NAB.AX) told Reuters that they did not tell applicants to close their BNPL accounts.</p>
<div class="lb-trans"><p>澳大利亚联邦银行（Commonwealth Bank of Australia）和第三大贷款机构澳大利亚国民银行（National Australia Bank，NAB.AX）的发言人告诉路透社，他们并未告知申请人关闭 BNPL 账户。</p>
</div><p>A spokesperson for No.4 lender ANZ (ANZ.AX) said the bank assessed BNPL liabilities alongside a person’s other finances and “depending on the customer’s overall financial position, goals, and objectives, they may choose to restructure or close certain debts – such as BNPL accounts – to support their application”. TO RISK OR NOT TO RISK</p>
<div class="lb-trans"><p>第四大贷款机构澳新银行（ANZ，ANZ.AX）的发言人表示，该银行会将 BNPL 负债与个人的其他财务状况一起评估，并且 “根据客户的整体财务状况、目标和目的，他们可能会选择重组或关闭某些债务——例如 BNPL 账户——以支持他们的申请”。</p>
</div><p>Afterpay claimed banks were capitalising on a perception of BNPL users as riskier than traditional borrowers to protect a declining lending category.</p>
<div class="lb-trans"><p>Afterpay 声称，银行正在利用对 BNPL 用户比传统借款人更具风险的看法，以保护一个正在下降的贷款类别。</p>
</div><p>Australian interest-accruing credit card debt is down 30% in half a decade as borrowers seek cheaper options.</p>
<div class="lb-trans"><p>由于借款人寻求更便宜的选择，澳大利亚的信用卡债务利息累计下降了 30%。</p>
</div><p>The company added that its survey found BNPL users had credit scores and on-time repayment records broadly in line with credit card users.</p>
<div class="lb-trans"><p>该公司补充说，其调查发现 BNPL 用户的信用评分和按时还款记录与信用卡用户大致相当。</p>
</div><p>The BNPL model has avoided regulation under Australian consumer credit laws so far as it doesn’t involve interest. However, “if it looks and acts like credit, then it should be regulated as such,” the Australian government had said last year.</p>
<div class="lb-trans"><p>BNPL 模式迄今为止避免了澳大利亚消费者信贷法的监管，因为它不涉及利息。然而，澳大利亚政府去年表示，“如果它看起来和表现得像信贷，那么就应该像信贷一样受到监管。”</p>
</div><p>New legislation requiring BNPL firms to run credit checks on borrowers kicks in on Tuesday, which, Afterpay’s Head of Public Policy Michael Saadat hopes, would improve transparency around user creditworthiness.</p>
<div class="lb-trans"><p>新的立法要求 BNPL 公司对借款人进行信用检查，将于周二生效，Afterpay 公共政策负责人迈克尔·萨达特希望这将改善用户信用 worthiness 的透明度。</p>
</div><p>The main reason Afterpay customers close their accounts is because their lender or broker told them to, and “this should not be something that is driven by misperception of the regulatory requirements,” Saadat told Reuters in an interview.</p>
<div class="lb-trans"><p>Afterpay 客户关闭账户的主要原因是他们的贷款人或经纪人告知他们这样做，而 “这不应该是由于对监管要求的误解所驱动的，” 萨达特在接受路透社采访时表示。</p>
</div><p>According to mortgage broker AFG, (AFG.AX) one in 10 Australian mortgages are arranged by brokers. Mark Hewitt, general manager of industry and partnerships at AFG, said the company does not distribute credit cards but responsible lending rules require it to “ensure adequate enquiry is made around an applicant’s ability to meet their financial commitments”.</p>
<div class="lb-trans"><p>根据抵押贷款经纪人 AFG（AFG.AX）的数据，澳大利亚每 10 笔抵押贷款中就有 1 笔是由经纪人安排的。AFG 的行业与合作伙伴关系总经理马克·休伊特表示，该公司不分发信用卡，但负责任的贷款规则要求其 “确保对申请人满足财务承诺的能力进行充分询问”。</p>
</div>

澳大利亚的 Afterpay 称，一些 “先买后付” 用户被要求关闭账户，随后被推销信用卡