Ma Alipay To Deal With The Four Major Banks: New Functional Layout, Internet Financial Market

In July 1st, the bank responded to Alipay. WeChat payment The restriction is that users must have real name consumption, and the amount of consumption is divided according to the information provided by users. The maximum amount is 20 years, and the minimum life is 1000 yuan. If you have exceeded the limit and want to continue to spend, then only using the fast payment of the bank will have a great impact on Alipay and WeChat payment. Jack Ma Who is, of course, not to be outdone, immediately counterattacked the bank, stopped the credit card installment function, users can only spend flowers staged, but also announced that the payment of the month to 10 billion credit magnify.

I believe you still remember Ma Yun's words: banks will not change, we will change the bank, but this sounds quite crazy, but when Ma Yun said this sentence, he immediately took action. Later, there was a balance treasure. On the 18 day of the balance treasure line, the amount of users accumulated to 2 million 500 thousand, and the amount spanferred amounted to 6 billion 600 million yuan.

The introduction of the balance treasure has brought us a very good experience for Alipay users. The operation is simple and quick. Funds spanfer, consumption, and turn out are quicker than banks. All of them are online operation mode, and cash withdrawals are also very fast. Most importantly, the income of the balance treasure is far more than the bank's current interest and regular interest rate.

Ma Yun is starting from Alipay. Internet financial market Layout. Ma Yun's financial empire is based on Internet banking, ant borrowing, ant flower and other products for Internet Financial layout. Therefore, we want to break the limitation of the bank, and we can only develop these three products. Since the launch of the Internet loan, credit loan has reached about 45000000000, while ant flower only needs 600 points of sesame seed. It has the qualification to open. The ant has the same qualification as the ant flower flower. It can open up more than 600 with sesame seeds, and the highest can get 300 thousand loans.

Payment of treasure month credit extended to 10 billion

Ma Yun has been premeditated for a long time. What we may see is Taobao. In fact, Ma Yun's biggest goal is to eliminate cash. Ant's gold clothing has the largest payment platform in the world, Alipay, the real name user has exceeded 400 million, and has the largest treasure fund of China's monetary fund.

Sesame credit: Sesame credit has become the largest and most mature credit rating system outside the Central Bank of China. Relying on Ali's big data, it supports rating services for individual users. It can improve the financial and life credit service for users.

The net business bank: the network business bank, was founded in a short year, Ma Yun realized the loan 45 billion, this has reached the scale of a small bank for several years, let us wait and see.

Ant borrows Bai: a loan service launched by Ma Yun, according to the different scores, the amount of loan that the user can apply for is different from 1000-50000 yuan. The daily interest rate of the loan is 0.045%. Although some banks are starting to imitate borrowing, banks should not forget that you do not have the support technology of big data!

Enterprise loans: Ali also developed closed loop financial services such as order loans, corporate loans, corporate loans and other products, based on Ali's big data to the user credit, the whole process needs to be simple and basic can be achieved! Up to 5 million! Above can not apply for friends can apply for credit card within the loan, which relies on Alipay sesame credit information system, sesame credit score of more than 550 can apply for free, without collateral, you can borrow 5-30 million.

Ma Yun's Internet Banking Bank launched "trust payment". Can you spend it first, then you can make it? That means you can buy things now on credit. How long can a bank survive if this function comes out?

The main object of capricious payment is small and micro enterprises, the longest period is 90 days, that is, three months.

There is a word of trust in the way of payment of goods, that is, to support trust payment on behalf of the commodity, and whether it can be used in the end depends on whether you have any trust payment available at present. The only drawback of trust is that cash is not available. However, you can still get more than 600 of sesame 1608734255, and you can apply for a loan of ten thousand to two hundred thousand for 10 minutes! It can be used for online shopping, and you can also apply the amount of cash to the bank card. According to Li Huihui, according to his future trip, at present, the trust payment has been first connected to the Alibaba group's 1688 (B2B) platform and Ali cloud platform, which has provided services for 5 000 small and micro enterprises for more than a month.

The maximum amount of trust is 1 million, and credit is enough.

According to the current data, Alipay is undoubtedly the largest Internet platform in the country. Although Alipay has many competitors (such as WeChat payment, Jingdong wallet, Baidu wallet, capricious payment, and recent millet purse), Alipay occupies 70% of the market share of the domestic market, and has already far ahead of competitors such as WeChat payment, Jingdong payment, WeChat wallet, capricious payment, millet purse, UnionPay and so on. The 200 thousand limit of banks will not have a fatal impact on Alipay in the short run. But in the long run, banks with "Godfather" will be the biggest beneficiaries in the long run. Finally, we need to see how Ma Yun used the "ant flower", "ant borrow", "balance treasure" and "Internet banking" to compete with the four major banks.

In general, in addition to dealing with the four major banks, Ma also needs to guard against the big internet giants, because the giants are going to divide up a bowl of soup, and the competition will become fiercer and fiercer. Of course, the bank's balance of Alipay is only a beginning now.

Ma Yun said: "let the society have no hard business!"