螞蟻金服最近推出網商銀行
Alibaba’s financial affiliate company launched its internet bank yesterday, with executives pledging to use the Chinese ecommerce group’s treasure trove of customer data to target lending to small businesses.
中國電商集團阿里巴巴(Alibaba)的金融附屬公司昨日推出互聯網銀行。高管們承諾利用阿里巴巴的海量客戶數據，面向中小企業提供貸款。
MYBank, owned by Zhejiang Ant Small & Micro Financial Services Group, an Alibaba affiliate business, holds one of six new banking licences granted to privately owned companies under a pilot scheme aimed at diversifying China’s financial system. Small firms have long complained of difficulty in obtaining bank loans from state-owned banks, which tend to favour larger state-owned companies.
網商銀行(MYBank)的母公司爲阿里巴巴的附屬公司——浙江螞蟻小微金融服務集團有限公司（Zhejiang Ant Small & Micro Financial Services Group，簡稱“螞蟻金服”）。螞蟻金服是中國6家獲得新的銀行牌照的民營企業之一。授予民企銀行牌照是旨在推動中國金融體系多元化的一個試點項目的一部分。長期以來，中小企業抱怨很難從國有銀行獲得貸款，後者傾向於偏愛大型國有企業。“Answering to the needs of those who have limited access to financial services in China is our mission,” said Eric Jing, MYBank’s executive chairman. “MYBank is here to give affordable loans for small and micro enterprises. We are here to provide banking services, not for the rich, but for the little guys.”MYBank’s launch follows the setting up of internet lender WeBank in January — a joint venture led by Alibaba’s rival,
“我們的使命是滿足中國那些只能獲得有限金融服務的企業或個人的需求，”網商銀行執行董事長井賢棟(Eric Jing)表示，“網商銀行的創立是爲了向小微企業提供可負擔的貸款。我們的目的是向小人物而不是富人提供銀行服務。”
Tencent, the online gaming and social media group. But questions remain about the feasibility of an online-only business model for Chinese banking.
在今年1月，中國已成立了一家互聯網銀行微衆銀行(WeBank)，該行是一家合資企業，最大股東是阿里巴巴的對手、在線遊戲和社交媒體集團騰訊(Tencent)。但在中國銀行業，純線上模式的可行性仍存在一些問題。Current regulations require customers to appear in person at a bank to open an account. In March, however, 21st Century Business Herald reported that the Chinese central bank was drafting new rules that would allow for online-only account openings. Large banks are advocating stricter rules, while smaller banks and online players want a looser regime, the paper reported.
當前的監管規定要求客戶必須親自前往銀行開戶。然而，《21世紀經濟報道》今年3月曾報道，中國央行正在草擬允許網上開戶的新規則。據該報報道，大型銀行呼籲收緊規則，而中小銀行和互聯網企業則希望實行更寬鬆的監管制度。Mr Jing said that the company’s facial-recognition technology, which could allow for identity verification via the internet, is “very mature”, although he was unsure when, or if, regulators would approve its use. He also sought to downplay the importance of deposit taking.
井賢棟表示，網商銀行的人臉識別技術——理論上可用來通過互聯網進行身份驗證——是“非常成熟的”，儘管他不確定，監管部門何時（或者是否）將批准使用該技術。他也尋求淡化吸收存款的重要性。
