How much does a financial company earn? Ant Group's 20 19 revenue120.6 billion, and its net profit exceeds1800 million. Compared with the revenue of arowana of 2 billion170.7 billion, it is more than 50 billion more than that of ants, but its net profit is only 5.564 billion, less than one third of that of ants. How did ants make this money? To be exact, Alipay earned it from us.
According to the listing prospectus, in 20 19 years, the digital payment flow reached11.1trillion RMB, and then the profit exceeded 50 billion RMB. In addition to the simplest 0. 1% handling fee, Alipay's way of making money is really hard to prevent. Let's talk about the familiar handling fees and interest.
Alipay has a monthly income of more than 700 million and more than 80 million merchants. Wool should be comprehensive. When we use Alipay to pay for goods, Alipay must first charge merchants a handling fee, which is generally 6 ‰, that is, 1 0,000 yuan, and charge 6 yuan handling fee. If it is a virtual item, the handling fee will be doubled to 12 yuan.
Of course, occasionally the subsidy fee is reduced to 3 ‰, but Alipay has the final interpretation right, so you know, the fee varies according to your payment path. If you use Yu 'ebao bank card, you don't need to charge a handling fee. Alipay can inquire about the payment path and other information, but these information will be charged externally.
When you scan the code * * * to enjoy the bicycle, * * * to enjoy the charging treasure and the supplier's locker, the sesame credit you often hear is above 600, and the deposit is free. However, these enterprises charge a fee every time they inquire about sesame credit and other information, which is said to be 40 cents at a time. The plucking of geese is perfect, and the most profitable thing is the digital financial technology platform shown in the prospectus.
To put it bluntly, this part is loan insurance, insurance and financial management. How much did you earn by lending? I borrowed money and earned 41.800 million a year, which is called lying to win. At present, the daily interest rate is between 2.5 and 7.5 per ten thousand, and the flower garden is divided into three stages, which are 2.3%, 4.5% and 7.5% respectively.
If you haven't paid it back, you will have to pay five ten thousandths of interest if it is overdue. To calculate an account, suppose you borrow 1 0,000 yuan, and you have to pay 5 yuan the interest every day, which is 1 0,825 a year, and the interest is 1.8.25%. 20% of the national red line is just trying on the edge of danger, which is violence, even more violence insurance.
First of all, understand one thing. Alipay is only an insurance sales channel, not an insurance company, so the contract is signed with the insurance company, and the claim is paid by the insurance company. Alipay is a commission. Records show that if you buy 1 10,000 insurance on Alipay, Alipay will withdraw 2,385 yuan. Just look at the insurance technology platform. The revenue of 20 19 was 8.9 billion, and we know how much he earned.
Compared with the first two, Yu 'ebao's asset management is much milder. Yu 'ebao is essentially a monetary fund, which gains income by investing in government bonds, central bank bonds and short-term financing bills. The simple understanding is that I divide the money you earn from financial management, I take the big head, and you take the change.
Alipay is a new generation of gold-absorbing tools, but the original Alipay hardly got a legal law enforcement certificate. According to enterprise survey data, the only shareholder of Alipay parent company Alipay Network Technology Co., Ltd. is Ant Technology Group. The situation of this wholly-owned subsidiary is the result of Ma Yun's violation of the spirit of contract in business.
Because some people predict that it may be due to foreign investment, Alipay, which had 600 million users at that time, may not be able to successfully obtain the central bank license. Ma Yun acted first, and announced the cutting of the vie agreement without the explicit approval of the competent authorities. Ma Yun and his team set up a wholly-owned domestic company twice to divest Alipay assets from the group.
This means that Yahoo. SoftBank's duck flew. The Wall Street Journal said that Ma Yun "stole" Alipay, and supporters like Shi Yuzhu thought that the 2 trillion water related to national security could not be in the hands of the United States and Japan. Now the running water has increased 50 times. At the beginning, it violated the spirit of the contract and really ushered in the opportunity of Alipay's domestic outbreak. Although this has also brought some negative effects, it has made the international reputation of China enterprises with low credit lines worse. But now it seems that Ma Yun's original decision was undoubtedly correct.
Generally speaking, Alipay's influence in China is growing. With the introduction of the Bank of digital currency, can we still collect so much wool?