ഹൈദരാബാദ് : ഓണ്‍ലൈന്‍ വായ്പാ ആപ്പുകള്‍ക്ക് പൂട്ടിട്ട് ഗൂഗിള്‍. ഓണ്‍ലൈന്‍ ആപ്പുകള്‍ വഴിയുള്ള വായ്പാ തട്ടിപ്പ് പെരുകിയതായി പരാതികള്‍ വ്യാപകമായതിന് പിന്നാലെ ഇത്തരത്തിലുള്ള നൂറുക്കണക്കിന് ആപ്പുകള്‍ ഗൂഗിള്‍ പ്ലേസ്‌റ്റോറില്‍ നിന്ന് നീക്കി. സര്‍ക്കാര്‍ ഏജന്‍സികളും ഉപഭോക്താക്കളും നല്‍കിയ വിവരങ്ങളുടെ അടിസ്ഥാനത്തിലാണ് നടപടി. ഗൂഗളിന്റെ സ്വകാര്യതാ, സുരക്ഷാ നയങ്ങള്‍ പൂര്‍ണമായും പാലിക്കാത്ത ആപ്പുകള്‍ മുന്‍കൂര്‍ അറിയിപ്പില്ലാതെ നീക്കുമെന്ന് ഗൂഗിള്‍ അധികൃതര്‍ വ്യക്തമാക്കി.

തത്ക്ഷണം വായ്പ അനുവദിക്കുന്ന ആപ്പുകള്‍ വഴിയുള്ള തട്ടിപ്പ് വര്‍ധിച്ചുവരുന്നതായി അടുത്തിടെ കണ്ടെത്തിയിരുന്നു. യാതൊരു രേഖയും നല്‍കാതെ തന്നെ ഉടനടി വലിയ തുക വായ്പയായി അനുവദിക്കുകയും പിന്നീട് തിരിച്ചടവ് മുടങ്ങിയാല്‍ സ്വകാര്യ വിവരങ്ങള്‍ പുറത്തുവിടുമെന്ന് ഭീഷണിപ്പെടുത്തി പണം ഈടാക്കാന്‍ വഴികള്‍ തേടുകയുമാണ് ഈ തട്ടിപ്പ് സംഘം ചെയ്യുന്നത്. പലപ്പോഴും ഉയര്‍ന്ന പലിശനിരക്കിലാകും വായ്പകള്‍ അനുവദിക്കുക. ഇത്തരത്തില്‍ തട്ടിപ്പ് നടത്തിയ വിദേശ പൗരന്മാര്‍ അടക്കം ആളുകളെ രാജ്യത്തിന്റെ വിവിധ ഭാഗങ്ങളില്‍ അറസ്റ്റ് ചെയ്തിരുന്നു.

പുതിയ സാഹചര്യത്തില്‍ ആപ് സ്‌റ്റോറില്‍ വായ്പാ ആപ്പ് അപ്‌ലോഡ് ചെയ്യുന്നതിനുള്ള നിബന്ധനകള്‍ ഗൂഗിള്‍ കര്‍ശനമാക്കിയിട്ടുണ്ട്. പ്രവര്‍ത്തിക്കാനുള്ള ലൈസന്‍സ്, പ്രാദേശിക നിയമങ്ങള്‍ പാലിക്കുന്നുണ്ടെന്നതിന്റെ തെളിവ്, പലിശനിരക്ക് വെളിപ്പെടുത്തല്‍, തിരിച്ചടവിന്റെ ഏറ്റവും കുറഞ്ഞതും കൂടിയതുമായ കാലയളവ് എന്നിവ വ്യക്തമാക്കണമെന്നതാണ് പ്രധാന നിബന്ധന. 60 ദിവസത്തില്‍ താഴെ കാലാവധിയില്‍ വായ്പ വാഗ്ദാനം ചെയ്യുന്ന ഒരു ആപ്പും പ്ലേ സ്‌റ്റോറില്‍ അനുവദിക്കില്ലെന്നും ഗൂഗിള്‍ വ്യക്തമാക്കി.

ഉപഭോക്താക്കളുടെ ആവശ്യമില്ലാത്ത വിവരങ്ങള്‍ ശേഖരിക്കരുതെന്നും ശേഖരിക്കുന്ന വിവരങ്ങള്‍ ഉപയോഗിക്കരുതെന്നും ഡെവലപ്പര്‍മാര്‍ക്ക് നിര്‍ദേശം നല്‍കിയിട്ടുണ്ട്.
Sources:𝐑𝐞𝐚𝐥 𝐈𝐦𝐩𝐚𝐤𝐭

The New York Stock Exchange (NYSE) said it would no longer delist three of China’s biggest telecommunications companies to comply with a November 2020 executive order by outgoing US President Donald Trump, in a surprise policy U-turn before the first delisting takes effect.

Shares of the three companies – China Telecom, China Mobile and China Unicom (Hong Kong) – soared in Hong Kong after the NYSE’s announcement.

The NYSE had announced the delisting plan on New Year’s Day, in an unprecedented step to remove the American Depositary Shares (ADS) of the three Chinese companies to comply with Trump’s order that bars American investors from trading in companies with ties to China’s military. All three companies are state-owned entities managed by government-appointed managers.

The NYSE reversed its delisting decision after “further consultation” with regulatory authorities, according to a market notice on Tuesday, without elaborating. The NYSE did not respond to a request for comment after US office hours.

Unicom’s shares jumped 8.5 per cent to a seven-week high of HK$4.85, while China Telecom advanced by 3.4 per cent to HK$2.16. Shares of China Mobile, the operator of the world’s largest cellular phone network, rose 5.1 per cent to HK$46.10 after making their biggest intraday gain in nearly 10 months.

“I always thought this decision bizarre to start with,” said Jefferies’ head of telecoms research Edison Lee, pointing out that the New York-listed shares of CNOOC, a unit of state-owned China National Offshore Oil Corporation, were not designated for delisting. “It was not a consistent decision.”

The three Chinese telecoms companies listed their ADSs in New York following their initial public offerings in Hong Kong, giving US-based and European investors access to trade their equities during US market hours.

The ADSs are fungible with their H-share in Hong Kong, which means they can be exchanged for their counterparts. Each China Telecom ADS is equal to 100 shares in Hong Kong, while Unicom’s ratio is 1 for 10, and China Mobile’s ratio is 1 for 5.

The three ADSs are thinly traded on the NYSE, with the heaviest-traded China Telecom ADSs comprising no more than 12 per cent of the number of H-shares that changed hands everyday in Hong Kong in 2020. For China Mobile, the ratio was a mere 6.9 per cent, according to Bloomberg’s data.
Still, the three companies said on Monday that they would take steps to protect their “lawful rights”.

“The company will promptly conduct an investigation and analysis and strengthen its communication and liaison with the regulatory authorities of its listing venues, with a view to protecting the lawful rights of itself and holders of the company’s securities,” China Mobile said in an exchange filing.

“The role of the US as the global financial centre is dependent on the trust by global companies and investors in the inclusiveness and credibility of its rules,” the Chinese foreign ministry’s spokeswoman Hua Chunying said during a regular Tuesday press briefing in Beijing, reiterating that the plan to delist the Chinese companies “have seriously breached the much-touted principles of market economy and fair competition , as well as international economic and trade rules.”

China Unicom and China Telecom said separately on Tuesday that they remain listed on the NYSE, but NYSE Regulation would continue to evaluate the applicability of the executive order to the companies and their “continued listing status”.

“The company will continue to closely monitor the development of this matter and will publish further announcement as and when appropriate,” China Telecom said in a stock exchange filing. “In the meantime, investors are advised to exercise caution in dealing in the securities of the company.”

Trump signed an executive order on November 12 that barred American investors from owning or trading shares of 35 companies that the US claims are owned or controlled by the Chinese military.

On December 28, the Trump administration provided further clarification that the order applied to all “US persons” ranging from individuals to pensions funds and would block investors from owning exchange-traded funds (ETFs) and index funds that included the 35 companies and any of their 50 per cent-owned units and subsidiaries. US persons have until November 2021 to divest their holdings.

The NYSE’s reversal came just after FTSE Russell announced it would remove Unicom, Panda Electronics Group and Semiconductor Manufacturing International Corporation (SMIC) from its global stock benchmarks to comply with the December guidance. The stocks would be removed from the FTSE Global Equity Index Series (GEIS), the FTSE China A Inclusion indices and associated indices beginning on Thursday, the index compiler said.

“FTSE Russell will continue to monitor for any further updates from the [US] Department of Defense (DOD) and the Office of Foreign Assets Control (OFAC),” the company said. “Any additional names published by the DOD and OFAC as being subject to sanctions will be evaluated after 11 January 2021.”

The uncertainty over how US policies will affect US-listed Chinese firms could benefit Hong Kong Exchanges & Clearing (HKEX), the operator of the city’s stock exchange.

In the past two years, the Hong Kong bourse has attracted secondary listings from several high-profile US-listed Chinese companies, such as this newspaper’s owner Alibaba Group Holding, NetEase and JD.com, as tensions rose between the world’s two biggest economies.

HKEX recently surpassed CME Group to become the most valuable stock exchange operator in the world, now valued at about US$75 billion. The company’s shares rose 15 per cent since the end of November.

The company’s recent share rise has been driven in part by further escalation in US-China tensions, including the potential for US delistings of Chinese firms, according to Citigroup analyst Tian Yafei.

Delistings of Chinese companies, such as those previously announced by the NYSE, are likely to “reinforce HKEX’s status as the key listing venue for companies,” Tian said in a note on Monday. “Chinese could also accelerate secondary listings” in Hong Kong, the bank added.