net_left Phương Thức Thanh Toán

UK banks say consumer safeguard could backfire in cost of living crisis

17 Tháng Mười Một 2022

By Huw Jones

LONDON (Reuters) - Britain's banks are proactively helping customers hit by the cost of living crisis, but implementing a new "consumer duty" on time could exclude vulnerable consumers from help, banking industry body UK Finance said on Wednesday.

Consumers are grappling with inflation at a 41-year high of more than 11%, higher energy and food prices, and more Bank of England interest rate rises anticipated.

UK Finance chief executive David Postings said portfolios of lenders have so far stood up to current economic stresses.

"Arrears and impairments are around normal levels but it is clear there is mounting strain as interest rates continue to rise," Postings told UK Finance's annual dinner.

Banks will have a repossession moratorium over the holiday period, Postings said.

But he saw a "real worry" over the rollout of the Financial Conduct Authority's tougher "consumer duty" on financial firms to ensure good outcomes for customers.

The FCA has said the rules will start to apply to new and existing products from July 31, 2023, but this timetable is "extremely tight, maybe too tight", Postings said.

"Faced with a lack of clarity over the definition of 'good outcomes' and the real risk of challenge down the line I worry that firms will take a low-risk approach, withdrawing products and/or tightening the sales criteria," Postings said.

This would effectively exclude those who might need greatest financial support, he added.

FCA chief executive Nikhil Rathi said in a speech at the dinner that he knew banks have concerns but there would be no extension.

"Thanks to your co-operation and hard work, we hope that we have overcome the biggest stumbling blocks in the design and implementation," Rathi said, adding the watchdog would check that no consumers are excluded.

"Firms seem to be on track so we see no need for those deadlines to move again," Rathi said.

It is more critical than ever that borrowers and savers are offered fair and competitive rates, Rathi added.

UK Finance chair Bob Wigley said he anticipated that finance minister Jeremy Hunt's fiscal statement on Thursday would help restore Britain's "traditional reputation for sound management of public finances" after turmoil in UK bond markets in September.

"I hope that he will also recognise the importance of this partnership our sector offers. That means recognising the excessive rates of aggregate taxes on banks in London compared with other global financial centres, particularly Amsterdam, Frankfurt, Dublin and New York," Wigley said.

Banks hope Hunt will announce a cut in the tax surcharge on their profits.

Để lại bình luận
Hot Auto Trade Bot Phương Thức Thanh Toán
BROKERS ĐƯỢC CẤP PHÉP
net_home_top Ai VIF
09-12-2022 03:29:43 (UTC+7)

EUR/USD

1.0560

+0.0054 (+0.52%)

Summary

Buy

Moving Avg:

Buy (11)

Sell (1)

Indicators:

Buy (3)

Sell (2)

EUR/USD

1.0560

+0.0054 (+0.52%)

Summary

Buy

Moving Avg:

Buy (11)

Sell (1)

Indicators:

Buy (3)

Sell (2)

GBP/USD

1.2240

+0.0040 (+0.33%)

Summary

Sell

Moving Avg:

Buy (2)

Sell (10)

Indicators:

Buy (3)

Sell (3)

USD/JPY

136.65

+0.06 (+0.04%)

Summary

↑ Sell

Moving Avg:

Buy (4)

Sell (8)

Indicators:

Buy (1)

Sell (6)

AUD/USD

0.6773

+0.0052 (+0.77%)

Summary

Buy

Moving Avg:

Buy (11)

Sell (1)

Indicators:

Buy (4)

Sell (2)

USD/CAD

1.3580

-0.0070 (-0.52%)

Summary

Neutral

Moving Avg:

Buy (6)

Sell (6)

Indicators:

Buy (1)

Sell (4)

EUR/JPY

144.29

+0.80 (+0.55%)

Summary

↑ Sell

Moving Avg:

Buy (4)

Sell (8)

Indicators:

Buy (0)

Sell (7)

EUR/CHF

0.9887

+0.0006 (+0.06%)

Summary

Neutral

Moving Avg:

Buy (7)

Sell (5)

Indicators:

Buy (3)

Sell (4)

Gold Futures

1,800.45

+2.45 (+0.14%)

Summary

↑ Sell

Moving Avg:

Buy (0)

Sell (12)

Indicators:

Buy (2)

Sell (5)

Silver Futures

23.262

+0.340 (+1.48%)

Summary

↑ Sell

Moving Avg:

Buy (0)

Sell (12)

Indicators:

Buy (1)

Sell (9)

Copper Futures

3.8822

+0.0217 (+0.56%)

Summary

↑ Sell

Moving Avg:

Buy (1)

Sell (11)

Indicators:

Buy (2)

Sell (5)

Crude Oil WTI Futures

71.64

-0.37 (-0.51%)

Summary

↑ Buy

Moving Avg:

Buy (9)

Sell (3)

Indicators:

Buy (6)

Sell (0)

Brent Oil Futures

76.27

-0.90 (-1.17%)

Summary

Buy

Moving Avg:

Buy (8)

Sell (4)

Indicators:

Buy (4)

Sell (3)

Natural Gas Futures

5.961

+0.238 (+4.16%)

Summary

↑ Sell

Moving Avg:

Buy (0)

Sell (12)

Indicators:

Buy (2)

Sell (9)

US Coffee C Futures

159.73

-0.47 (-0.29%)

Summary

↑ Buy

Moving Avg:

Buy (12)

Sell (0)

Indicators:

Buy (7)

Sell (0)

Euro Stoxx 50

3,921.27

+0.37 (+0.01%)

Summary

↑ Sell

Moving Avg:

Buy (2)

Sell (10)

Indicators:

Buy (1)

Sell (8)

S&P 500

3,963.70

+29.78 (+0.76%)

Summary

↑ Buy

Moving Avg:

Buy (12)

Sell (0)

Indicators:

Buy (10)

Sell (0)

DAX

14,264.56

+3.37 (+0.02%)

Summary

↑ Sell

Moving Avg:

Buy (2)

Sell (10)

Indicators:

Buy (0)

Sell (8)

FTSE 100

7,472.17

-17.02 (-0.23%)

Summary

↑ Sell

Moving Avg:

Buy (0)

Sell (12)

Indicators:

Buy (1)

Sell (6)

Hang Seng

19,450.23

+635.41 (+3.38%)

Summary

Neutral

Moving Avg:

Buy (9)

Sell (3)

Indicators:

Buy (1)

Sell (5)

US Small Cap 2000

1,811.25

+3.42 (+0.19%)

Summary

↑ Buy

Moving Avg:

Buy (8)

Sell (4)

Indicators:

Buy (11)

Sell (0)

IBEX 35

8,225.20

-57.20 (0.00%)

Summary

↑ Sell

Moving Avg:

Buy (0)

Sell (12)

Indicators:

Buy (0)

Sell (6)

BASF SE NA O.N.

47.100

-0.325 (-0.69%)

Summary

Neutral

Moving Avg:

Buy (0)

Sell (12)

Indicators:

Buy (4)

Sell (2)

Bayer AG NA

52.73

-0.07 (-0.13%)

Summary

↑ Sell

Moving Avg:

Buy (4)

Sell (8)

Indicators:

Buy (1)

Sell (6)

Allianz SE VNA O.N.

203.65

0.00 (0.00%)

Summary

↑ Sell

Moving Avg:

Buy (0)

Sell (12)

Indicators:

Buy (1)

Sell (5)

Adidas AG

117.54

-0.02 (-0.02%)

Summary

↑ Buy

Moving Avg:

Buy (12)

Sell (0)

Indicators:

Buy (8)

Sell (1)

Deutsche Lufthansa AG

7.712

+0.073 (+0.96%)

Summary

↑ Sell

Moving Avg:

Buy (1)

Sell (11)

Indicators:

Buy (1)

Sell (8)

Siemens AG Class N

132.00

-0.90 (-0.68%)

Summary

↑ Sell

Moving Avg:

Buy (0)

Sell (12)

Indicators:

Buy (1)

Sell (8)

Deutsche Bank AG

10.022

+0.056 (+0.56%)

Summary

↑ Sell

Moving Avg:

Buy (0)

Sell (12)

Indicators:

Buy (2)

Sell (7)

 EUR/USD1.0560Buy
 GBP/USD1.2240Sell
 USD/JPY136.65↑ Sell
 AUD/USD0.6773Buy
 USD/CAD1.3580Neutral
 EUR/JPY144.29↑ Sell
 EUR/CHF0.9887Neutral
 Gold1,800.45↑ Sell
 Silver23.262↑ Sell
 Copper3.8822↑ Sell
 Crude Oil WTI71.64↑ Buy
 Brent Oil76.27Buy
 Natural Gas5.961↑ Sell
 US Coffee C159.73↑ Buy
 Euro Stoxx 503,921.27↑ Sell
 S&P 5003,963.70↑ Buy
 DAX14,264.56↑ Sell
 FTSE 1007,472.17↑ Sell
 Hang Seng19,450.23Neutral
 Small Cap 20001,811.25↑ Buy
 IBEX 358,225.20↑ Sell
 BASF47.100Neutral
 Bayer52.73↑ Sell
 Allianz203.65↑ Sell
 Adidas117.54↑ Buy
 Lufthansa7.712↑ Sell
 Siemens AG132.00↑ Sell
 Deutsche Bank AG10.022↑ Sell
Mua/Bán 1 chỉ SJC
# So hôm qua # Chênh TG
SJC Eximbank6,650/ 6,720
(0/ 0) # 1,589
SJC HCM6,635/ 6,715
(0/ 0) # 1,584
SJC Hanoi6,635/ 6,717
(0/ 0) # 1,586
SJC Danang6,635/ 6,717
(0/ 0) # 1,586
SJC Nhatrang6,635/ 6,717
(0/ 0) # 1,586
SJC Cantho6,635/ 6,717
(0/ 0) # 1,586
Cập nhật 09-12-2022 03:29:45
Xem lịch sử giá vàng SJC: nhấn đây!
ↀ Giá vàng thế giới
$1,788.00+0.840.05%
Live 24 hour Gold Chart
ʘ Giá bán lẻ xăng dầu
Sản phẩmVùng 1Vùng 2
RON 95-V23.83024.300
RON 95-III22.70023.150
E5 RON 92-II21.67022.100
DO 0.05S23.21023.670
DO 0,001S-V25.19025.690
Dầu hỏa 2-K23.56024.030
ↂ Giá dầu thô thế giới
WTI$71.69+1.071.47%
Brent$76.43+1.161.49%
$ Tỷ giá Vietcombank
Ngoại tệMua vàoBán ra
USD23.570,0023.880,00
EUR24.321,7825.683,18
GBP28.175,3329.376,19
JPY168,78178,67
KRW15,5618,96
Cập nhật lúc 18:54:34 08/12/2022
Xem bảng tỷ giá hối đoái
Phương Thức Thanh Toán