ANT IPO stopped at last minute

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Tseung
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ANT IPO stopped at last minute

文章 Tseung »

Ant IPO stopped at last minute

https://drive.google.com/file/d/1gpNCUV ... sp=sharing

1. Has ANT (Alipay) contributed positively to China?
2. Why is the IPO stopped?
3. Default rate from Big Data is 1%. Loan Interest rate maximum at 14%.
4. Ant partners with Bank, pays interest at 4%. Bank loans 98%; Ant loans 2%! Bank undertakes most risk.
5. Ant then packages "loans" as financial instruments. Pays Interest at 5% to investors. Pockets 5%.
6. Same process repeated. Effective leverage can be 100 times.
7. Micro loan from RMB500 to 50,000 with average at 3,000.
8. Parents likely to help children pay loan as Alipay is now a necessity in daily life...

ANT packages "credit" as financial instrument. High risk loans filtered out by Big Data (Fintech).

MoneyMan
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Re: ANT IPO stopped at last minute

文章 MoneyMan »

My two cents:

(1) Jack Ma helped China with Alipay, Ant Group, Big Data, AI, Greening deserts, Robots in warehouses, etc. China is in strong position of e-commerce and Digital Payment.
(2) Jack Ma said: "No business is too difficult." With Capital, Connections, Big Data, Alibaba can analyze and make use of opportunities much better than the average (or even Chinese Government).
(3) If left entirely to Government Actions, Internet Commerce in China is unlikely to grow this fast. Alibaba, Tencent, etc. contributed much.
(4) There will always be controversies in Financial Discussions. Take the case of credit. If Banks do not give out Mortgages, very few families can own homes.
(5) But if Banks give out Mortgages recklessly, there would be financial crisis. (e.g. 2008)
(6) Alibaba gave loans to poor farmers and taught them to open on-line stores. That helped million out of poverty.
(7) At te same time, loans were given to youngsters who spent recklessly. That potentially gives rise to financial crisis.
(8) Chinese Government must master Big Data, AI, Small Loans, even alleviate poverty and continue monitoring via loans to poor farmers. In other words, Chinese Government must learn from the Internet Giants.
(9) Internet Giants should be controlled, monitored and even partially owned by the Chinese Government.
(10) Internet Giants must not be majority owned by foreign investors...

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