蚂蚁金服被约谈！银监会也出手了！

11month2Japan, People's Bank of China, China Banking and Insurance Regulatory Commission, China Securities Regulatory Commission, and the State Councilforeign exchangeThe management bureau conducted regulatory interviews with the actual controller of Ant Group, Jack Ma, Chairman Jing Xiandong, and President Hu Xiaoming.

更多资讯详情：私募排排网

10.24 一场外滩金融峰会将这只小蚂蚁送到了风口浪尖

马总一边吐槽监管空子，一边钻着空子；一边当铺思想，一边就被当了

Just after being interviewed, the China Banking and Insurance Regulatory Commission issued the "Interim Measures for the Management of Online Small Loan Business (Draft for Soliciting Opinions)"



There are several points worth paying attention to in the new regulations:
1）It is stipulated that online personal loans shall not be used for real estate speculation or debt repayment.
2）It is stipulated that online loans must be linked to personal income (not exceeding one-third of the total income of an individual in the first three years).
The above two points have made clear provisions for the risk of individuals using loans to support loans and unlimited leverage.
3）Regulations: In a single joint loan, the contribution ratio of a small loan company operating online small loan business shall not be less than30%； This is very important.

Before Ant Small Loan, the loan had its own principal of only2%Left and right, which means that Ant Small Loan can use on balance sheet funds360Yili Drive1.8A trillion yuan loan. That's to say, Ant Small Loan has only been issued360As the inferior, the remaining1.764Trillion yuan is invested by banks or other institutions, and in interest income, Ant Small Loan can obtain1.8The interest margin and management fee charged by trillion yuan, which is the difference between the interest on wealth management and the interest on Ant Small Loan (estimated to be annualized)5%Above).

according to5%Calculate the annual interest difference as1.8Trillions of5%That is to say900100 million, principal360100 million yuan loan, annual gross profit900One billion. But this risk is very high because it's50Double the leverage.

Therefore, the new regulations require that there must be30%Our own funds. such360Yiyi can only drive1200A total loan amount of one billion yuan, meeting international standards for self owned funds25%Left and right safety lines. But since then, the interest difference will become annual60One billion.

The above is the core content of the new regulatory regulations.

此次“马已经服”碰到了大石块，恐怕周四的上市也不会太顺利了~

但是综合来看，传统金融机构、蚂蚁金服、监管机构其实已经是一条船上的蚂蚱了，本次约谈也只不过面上的敲打敲打，减缓一下股票的膨胀速度，避免崩得太厉害，实质上，大家已经都被捆在一起了~动不得的

接下来就希望蚂蚁金服：继续沿着“稳妥创新、拥抱监管、服务实体、开放共赢”的理念，好好活着吧~

蚂蚁金服配置股票发行：私募排排网