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英国官方与P2P平台就IFISA统计数据产生分歧

近日,针对英国税务海关总署(后文简称HMRC)的创新乐天堂娱乐ISA(后文简称IFISA)核对数据,几家英国P2P平台提出了质疑,因为官方数据与平台数据平台并不一致。

据HMRC统计,2016到2017纳税年度,全英IFISA新近注册账户总数为2000个,总额1700万英镑。

因此,P2P平台Abundance宣称自己成为全英最大的IFISA服务提供商,上一税务年共开设1436个IFISA账户,总额1050万英镑。

然而,P2P商业借贷平台Crowdstacker对此提出了质疑。该平台统计数据显示,Crowdstacker同期IFISA账户1548个,累计吸引投资额1560万英镑。

对于上述分析,Abundance表示该公司新增的1050万英镑中有280万英镑属于ISA账户转账;而在Crowdstacker,这一数字为650万英镑。

这些转账资金并不能完全算作IFISA基金,但是这1670万英镑的转账趋势的确存在的,而且基本没有多少是来自Landbay和Lending Works等其他IFISA提供商。

此外,Abundance和Crowdstacker新近收获的IFISA开户数量接近3000个,而不是HMRC提供的2000个。

对此HMRC表示,该机构是根据平台提供的统计表格进行的ISA数据收集,准确率应该有97%到98%,而且一旦得到了新的数据,HMRC还会立即对数据库统计进行更新。

PEER-TO-PEER lenders have questioned how HMRC collates data on Innovative Finance ISA (IFISA) subscriptions after official statistics seem to contradict the platforms’ own figures.

HMRC has reported £17m IFISA subscriptions and 2,000 accounts in the 2016-17 tax year.

This prompted ethical and renewables platform Abundance to claim it was the biggest IFISA provider, having seen 1,436 IFISA accounts opened in the previous tax year, equating to total investment of £10.5m.

However, P2P business lender Crowdstacker has questioned this, as its own figures show it had 1,548 IFISA accounts and took £15.6m over the period.

Abundance has said that £2.8m of its £10.5m figure was from ISA transfers, while Crowdstacker had £6.5m of transfers.

The money transferred would not count as new ISA funds but that leaves £16.7m of money going into IFISA, leaving very little from other IFISA providers such as Landbay or Lending Works.

Neither have released their IFISA figures.

Additionally, the number of accounts that Abundance and Crowdstacker say were opened is closer to 3,000, rather than the 2,000 figure given by HMRC.

HMRC’s methodology says the ISA data is compiled from forms completed by providers, of which there is a 97 to 98 per cent response rate.

“HMRC is committed to publishing accurate information, if we receive any updates from ISA providers, we will revise these statistics as quickly as possible,” a spokesperson added.


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