螞蟻上市受阻: 預計螞蟻IPO是歷史上最大的。投資者提交申請後,該計劃被停止。對於那些對股市感興趣的人,這是最重要的新聞!
1.螞蟻集团(支付寶)對中國有貢獻嗎?它是全球最大的在線購物平台之一?
2.為什麼停止螞蟻上市(IPO)?
3.大數據指出不良貸款率為1%。最高貸款利率為14%。大數據(Fintech)過濾了高風險的貸款。
4.螞蟻金服與銀行合作,支付4%的利息。銀行貸款98%;螞蟻貸款2%!銀行承擔最大風險。貸款1億元,螞蟻金服只承擔200萬風險。
5.然後,螞蟻將“貸款”打包為金融工具(債券)。向投資者支付5%的利息。在數天內售出這1億元債券。
6.這1億元,理論上可以借出50億元。 重複相同的過程。有效槓桿可以是100倍以上。(螞蟻金服擁有30億資本,但借出3,000億)
7.借給客戶的小額貸款,金額從500元到50,000元不等,平均為3,000元。
8.父母很有可能幫助孩子償還貸款,因為支付寶現在已成為日常生活中的必需品...
螞蟻金服將“信用”打包為金融工具。大數據(Fintech)過濾了高風險貸款。螞蟻金服擁有超過5億客戶和數百萬在線商店。對中國經濟的影響是超巨大的。
一些細節在:https://drive.google.com/file/d/1gpNCUV ... sp=sharing
螞蟻上市受阻
Re: 螞蟻上市受阻
https://www.youtube.com/watch?v=Bwgo6GriTmM
以上是另一觀點。它詳細說明了貸款的包裝。它忽略了螞蟻金服使用大數據過濾潛在不良貸款的做法。
人們通常說10位經濟學家可以提出12種解釋。這是解釋之一...
以上是另一觀點。它詳細說明了貸款的包裝。它忽略了螞蟻金服使用大數據過濾潛在不良貸款的做法。
人們通常說10位經濟學家可以提出12種解釋。這是解釋之一...
Re: 螞蟻上市受阻
https://thediplomat.com/2020/11/the-lon ... layed-ipo/
The regulatory authorities are trying to clarify the relationship between traditional banks and fintech companies.
An analysis of the prospectus shows clearly that Ant Group is still a broker, and its process of making profits is not much different from that of traditional banks. Ant has adopted some new channels and technologies in the process, including making joint loans with traditional banks and using big data to rate the risk of customers, but Ant still collect deposits, uses the deposits to make loans, and profits from the interest margins, just like traditional banks do. There is no reason that the same business should not be regulated in the same way.
The regulatory authorities are trying to clarify the relationship between traditional banks and fintech companies.
An analysis of the prospectus shows clearly that Ant Group is still a broker, and its process of making profits is not much different from that of traditional banks. Ant has adopted some new channels and technologies in the process, including making joint loans with traditional banks and using big data to rate the risk of customers, but Ant still collect deposits, uses the deposits to make loans, and profits from the interest margins, just like traditional banks do. There is no reason that the same business should not be regulated in the same way.