Is to make money from the largest group. Originally intended to call * * * silk Jin Fu, later indecent, changed.

What does Ant Financial Service mean?

201410/6, Ali Microfinance Services Group was formally established in the name of Ant Financial Services Group, and its business includes Alipay, Alipay Wallet, Yu 'ebao, Lucky Treasure, Ant Small Loan and Online Banking (in preparation).

What is Ant Financial Service? What do you do?

201410/6, Ali Microfinance Services Group was formally established in the name of Ant Financial Services Group, and its business includes Alipay, Alipay Wallet, Yu 'ebao, Lucky Treasure, Ant Small Loan and Online Banking (in preparation). [ 1]

Why does Ali Ant Financial Service start to make people tremble?

Half a month after the end of 10, Ali has been making "small moves" in the financial field. For example, its Hang Seng Electronics (600570, shares it) wants to do internet finance, and Ma Yun has had several secret meetings with Apple CEO. Then three days ago, Ma Yun began to talk about the listing of Alipay. Based on the above time, Zheshang magazine published an article saying that Ali would set off a financial tsunami. The following is the original text:

Dear friends, the financial tsunami of Ali Ant Financial Services has begun. Do you feel it?

Ant Financial has almost built a perfect financial industrial chain-providing loan business through Ali Small Loan, payment and settlement business through Alipay, financing through asset securitization, and also involving guarantees, insurance and funds. With the approval of Zhejiang E-commerce Bank at the beginning of 10, it is more convenient to engage in loans, payments and settlement. The main breakthrough is to increase leverage and scale through deposits and interbank liabilities.

Nowadays, Ant Financial is making a systematic "layout" in P2P, internationalization and capital markets respectively: Zhejiang Santan Financial Information Service Co., Ltd. was established, and together with Apple, Ma Yun actively responded to the news that Alipay was listed.

There used to be a barrier to Alibaba, an influential e-commerce ecosystem. In the future, in the jungle of China's financial market, the ability of ants to shake trees is beyond doubt. Zheshang magazine invited experts to tell you three reasons why Ali Ant Financial started to make people tremble.

One of the reasons for trembling.

Enter P2P through Hang Seng Electronics.

Just as the e-commerce led by Alibaba was in full swing for the "Double Eleven", Hang Seng Electronics under Ma Yun began to officially launch Internet finance.

165438+1October 10 evening, Hang Seng Electronics announced that it planned to establish "Zhejiang Santan Finance" jointly with four investors, including China Investment and Financing Guarantee Co., Ltd., Zhejiang Ant Microfinance Service Group Co., Ltd., Ningbo Han Yun Investment Management Partnership (Limited Partnership) and Beijing Yingfeng Times Investment Management Center (Limited Partnership).

According to the announcement, the initial registered capital of Santan Finance is 50 million yuan, and the shares subscribed by China Insurance, Ant Financial, Hang Seng Electronics, Han Yun Investment and Yingfeng Times account for 365,438+0%, 25%, 265,438+0.75%, 65,438+04.5% and 7.75% of the total share capital respectively. The business scope of Santan Finance covers Internet financial product information services, financial asset trading services and other services.

Industry analysts said, "For Hang Seng Electronics, it can take advantage of the advantages of other shareholders to expand the Internet finance business. For Ant Financial, it used to rely more on a channel of the Internet, a means of payment and a platform for selling products. Now it is slowly deployed from the downstream to the upstream of the Internet finance industry chain, and it can participate more in the design of some products. At present, the brands of Ant Financial include Alipay, Alipay Wallet, Yu 'ebao, Ant Small Loan and the online merchant bank in preparation. 10 June 16, Ali Microfinance Services Group was officially renamed Ant Financial Services Group.

"In order to cope with the industry changes brought about by Internet finance, the company actively transformed and laid out the 2.0 business consisting of HOMS, Shanghai Juyuan (Shanghai Hengsheng Juyuan Data Service Co., Ltd.) and Jimmy Fund Network." Industry analysts pointed out that in order to connect C-end users to participate in transactions, Hang Seng Electronics is committed to transforming the original software delivery model into a financial cloud platform, and the traffic remittance of 2.0 business 2C becomes the key.

Alibaba, a related party of Zhejiang Rongxin, has a huge 2C user base. With the gradual deepening of post-merger integration (Zhejiang Rongxin, which is controlled by Ma Yun, acquired a 20.62% stake in Hang Seng Electronics), Ali's C-end customer advantage will provide traffic for Juyuan and Jimmy Fund, and the leading edge of the cloud platform industry will help the rapid development of cloud services such as HOMS.

Now, this "import" seems to be about to happen.

Expert comments:

Judging from the current framework of Santan Finance, it is actually building a P2P platform, which will be a powerful supplement to Ant Financial and an important link for Ali to operate on the Internet financial platform in the future.

At present, the whole P2P industry in China is developing rapidly and there are many forms, but the good and the bad are mixed, lacking a real leading platform and requiring the participation of powerful infrastructure institutions.

From the analysis of several participating companies, the advantage of Ant Financial is its strong understanding and processing ability of big data; Hang Seng Electronics has a solid foundation in trading software. I believe that Santan can do better relatively.

The second reason for trembling.

Make payment more global through Apple Pay.

In the week that 10 ended, we met twice in a row, from greetings. ......

What is the name of the bank opened by Ant Financial?

On June 25th, 20 15, the online merchant bank under Ali Ant Financial announced its official opening in Hangzhou. Online merchant banks only have APP outlets and no loan officers. The core system runs on the "cloud" and lending is determined by machines and big data. This is the second pure internet bank in China after Tencent Weizhong Bank.

Online merchant bank is one of the first pilot private banks in China. It was approved to be established at the end of September 20 14. It was established by six shareholders, including Ant Financial, Fosun, Wanxiang, Ningbo Jin Run, Hangzhou Doctor He and Jinzi Ham, with a registered capital of 4 billion yuan. On May 27th, 20 15, the online merchant bank was allowed to open.

At present, the management team of the online merchant bank has all been put in place. According to the approval document of Zhejiang Banking Regulatory Bureau, Jing Xiandong, president of Ant Financial Services, is the chairman of the online merchant bank and Yu Shengfa is the president. The specific business is expected to go online in July.

A large team of loan officers is the basis for traditional banks to carry out their business. According to the financial report published by the bank, the number of employees in several big banks exceeds 654.38+10,000. According to the online merchant bank, as a bank without geographical restrictions, there are currently only 300 employees in the online merchant bank, covering the whole country. From the perspective of personnel composition, two-thirds of the 300 people are information technology personnel, while the number of loan officers, the most important and largest component of traditional banks, is zero. Correspondingly, the online merchant bank has no physical outlets, no counters, no cash business and only a network system.

However, it is worth noting that at the press conference, the senior management team of the online merchant bank said that since the remote account opening has not yet been approved by the regulatory authorities, the online merchant bank, like Tencent's Weizhong Bank, temporarily does not carry out deposit business and does not involve account opening business. The first batch of businesses tested Internet financial small loan products. For remote account opening, the person in charge said that the face recognition technology and system are mature and can be opened only by supervision. However, there is no timetable for when online account opening can be approved.

Jing Xiandong, chairman of the online merchant bank, said at the opening ceremony that the online merchant bank does not pay attention to the 20% big customers who can bring 80% revenue, but will operate 80% long-tail users on a micro scale. Although there are no loan officers, online merchant banks predict that the number of loan users may exceed that of large commercial banks in the future.

"Small and micro enterprises, individual consumers and rural users are the three target customer groups of online merchant banks." Yu Shengfa said that as a supplement to existing financial institutions, online merchant banks must understand their real needs in order to explore a new set of operating methods to serve these three types of customers.

Why are wallet financial services and ant financial services called financial technology?

To answer you simply, it is internet finance, emphasizing financial attributes.

What is Ant Financial Service?

Ant Financial is the parent company of Alipay.

What do you mean by "golden suit"? Search for easy gold clothes and ant gold clothes. What are these? 10 point

Search Easy Financial Services is a small futures type, and Ant Financial Services is the parent company of Alipay, which is not the same thing at all.

Ant Jin Fu Company

Question one,

The full name is Zhejiang Ant Micro Financial Services Group Co., Ltd.,

There are 23 shareholders, including Xinhua Life Insurance, China Life Insurance, Pacific Insurance, Chunhua Capital, CDB Finance and other investment institutions, as well as a company under Jack Ma's team. I can send you the specific list by email.

The business started with Alipay and was established in 2004. On June 20 14, Ant Financial was formally established. The subsidiaries and related businesses of Ant Financial Group include Alipay, intelligent financial platform Ant Wealth, independent third-party credit evaluation system Ant Financial Cloud, Sesame Credit and online merchant bank, as well as some investment and financing businesses. The profit model can't be clearly stated in one sentence. Let's talk about Yu 'ebao later.

The current information is listed in Hong Kong. "According to the Hong Kong Economic Daily, Alibaba's Ant Financial is going to go public in Hong Kong, raising at least 654.38 billion US dollars (about 78 billion Hong Kong dollars). According to investment bankers, Ant Financial is communicating with the investment bank that was in charge of Ali's listing in 20 14, and is ready to come to Hong Kong for listing. The temporary goal is to go public in the first half of next year. It is reported that the fundraising scale of Ant Financial has not been finalized, but the initial plan is at least 654.38+0 billion US dollars, which is larger than the newly listed Postal Savings Bank (0 1658). Ant Financial completed the B round of financing in April, with the latest valuation reaching $60 billion (HK$ 468 billion). "

The reason for not listing in China is also very simple, that is, because domestic IPOs have to queue up, and now those who are in front will queue up for two years. If you jump the queue, it will be too obvious and have a bad influence. Now many people speculate that they will still go to the United States, because ants are still a problem of double class share.

the second question

Yu 'ebao is a money fund, or the name of the money fund sold. The full name is Tian Hongyu Bao 000 198.

The money fund's profit comes from management fees and sales service fees, and so does Yu 'ebao.

The income of fund products is higher than that of demand deposits in the same period;

What is the relationship between Alibaba and Ant Financial?

Ant Financial is an affiliate of Alibaba, which is controlled by Ali, but Ali controls Ant Financial indirectly rather than directly.