获批开业！银保监出手，蚂蚁大消息来了

中国基金报2021-06-03

6月3日，重庆银保监局官网发布关于重庆蚂蚁消费金融有限公司开业的批复，根据《中国银保监会非银行金融机构行政许可事项实施办法》和《消费金融公司试点管理办法》的有关规定，批准重庆蚂蚁消费金融有限公司开业，注册资本为80亿元人民币。根据股权结构，蚂蚁科技集团股份作为第一大股东，持股50%。在股东名单中还出现了宁德时代、千方科技、鱼跃医疗三家A股上市公司，分别持股8%、7.01%、4.99%。重庆蚂蚁...

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Comments

我就静静的看
2021-06-04
我就静静的看
閱
- 我就静静的看:
  [呆住]
xian90
2021-06-04
xian90
衝啊
- xian90:
  [得意] [得意]
KT1535
2021-06-03
KT1535
我像個浮屍在上面快飄了一年
邪恶镰刀
2021-06-03
邪恶镰刀
起飛
正和游戏ing
2021-06-03
正和游戏ing
準備起飛，快跟芒格抄底吧[齜牙]
赚美金
2021-06-03
赚美金
彰顯權力的魅力

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，对此，中国银保监会非银部有关负责人还向媒体表示，按照整改方案，蚂蚁集团应在蚂蚁消费金融公司开业6个月内完成“花呗”“借呗”的品牌整改工作。整改完成后，“花呗”“借呗”将成为蚂蚁消费金融公司的专属消费信贷产品，其他金融机构借助蚂蚁集团提供的数据信息所发放的消费信贷，不再标挂“花呗”“借呗”名称。银保监会要求蚂蚁集团采取有效方式，保证金融消费者在申请消费信贷服务时能够充分了解信贷服务提供者的名称，避免引起品牌混同。\n银保监会非银部有关负责人表示，蚂蚁消费金融公司开业后将承接蚂蚁集团旗下小贷公司中符合监管规定的消费信贷业务，有利于推动蚂蚁集团落实消费信贷业务整改要求、将相关业务全面纳入监管，是贯彻落实中央关于加强金融监管、防范金融风险重要决策部署的工作举措。获批开业后，蚂蚁消费金融公司必须依法接受监管，严格遵守相关的监管规定。蚂蚁消费金融公司开业后，将按照蚂蚁集团消费信贷业务整改方案，有序承接两家小贷公司中符合监管规定的消费信贷业务。自蚂蚁消费金融公司开业起1年过渡期内，两家小贷公司实现平稳有序市场退出。过渡期内，蚂蚁集团也将按照监管要求妥善做好小贷公司存续资产支持证券（ABS）的处理工作，维护金融市场稳定。\n前段时间，支付宝一条“用花呗给女儿过生日”的广告曾引起社会较大争议。为此，银保监会前述负责人表示，近年来，一些机构或网络平台出现对贷款产品过度营销、过度包装，过度宣传“超前消费”“超前享受”，这类现象值得警惕。银保监会将督促蚂蚁消费金融公司严格按照法律法规和相关监管规定开展个人消费信贷业务，坚持“小额、分散、普惠”经营原则，为长尾客户的真实金融需求提供信贷服务，强化对客户真实信贷意愿和收入偿债能力的审查，充分披露贷款产品信息，严禁以过度营销、过度包装等方式引诱消费者过度负债，对经营行为涉嫌违法违规的，将依法严肃查处。\n蚂蚁集团个人消费信贷业务由蚂蚁消费金融公司按规范要求逐步承接\n蚂蚁集团原有的消费信贷业务规模大、客户众多，也包含大量的长尾客户，蚂蚁消费金融公司开业后，蚂蚁集团旗下个人消费信贷业务规模会有所下降，是否会对其长尾客户金融服务的连续性带来不利影响？\n为此，银保监会非银部该负责人表示，在蚂蚁集团消费信贷业务整改过程中，银保监会始终高度关注对长尾客户服务的连续性，要求蚂蚁集团做好相关技术保障工作，努力不降低客户的服务体验。\n根据整改方案，蚂蚁集团个人消费信贷业务由蚂蚁消费金融公司按规范要求逐步承接。蚂蚁消费金融公司作为一家持牌金融机构，依据国家法律法规和相关审慎监管规定开展经营活动，依法负有保护消费者权益、履行相关社会责任的义务。出于合规经营和风险防控的考虑，为避免客户过度负债、落入债务陷阱，蚂蚁消费金融公司应对承接的消费信贷业务进一步强化关于借款人真实借款意愿和还款能力的审核，对存在过度授信的，区别不同情形采取下调授信额度或不予授信等措施，总体信贷规模有所下降。这些措施都会有利于更好的维护长尾客户的切身利益。\n此外，蚂蚁消费金融公司作为新设立的非银行金融机构，其业务开展有一个逐步增长的过程。除蚂蚁消费金融公司以外，蚂蚁集团也可以通过将客户引流给商业银行等其他金融机构来保障对长尾客户的金融服务。\n中国银保监会表示，蚂蚁消费金融公司作为一家持牌金融机构，必须依法接受监管，严格遵守相关监管规定。蚂蚁消费金融公司从开业起，即应严格按照规定的出资比例、集中度和限额等经营规则开展互联网贷款业务，严格依规披露贷款主体、贷款条件、实际年利率、年化综合资金成本、还本付息安排、逾期清收、咨询投诉渠道和违约责任等基本信息，保障客户的知情权和自主选择权。","kind":"news","is_publish_news":true,"is_publish_highlight":true,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[{"id":116058056,"gmtCreate":1622767225675,"gmtModify":1704190707485,"author":{"id":"3574210471168323","authorId":"3574210471168323","name":"我就静静的看","avatar":"https://static.tigerbbs.com/185476ef1b6464fefffcbc9c7966d4d0","vip":1,"crmLevel":2,"crmLevelSwitch":0,"idStr":"3574210471168323","authorIdStr":"3574210471168323"},"htmlText":"閱","listText":"閱","text":"閱","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/116058056","repostId":1126991956,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":5391978,"gmtCreate":1627785501375,"gmtModify":1663231774536,"authorId":3574210471168323,"author":{"id":3574210471168323,"idStr":"3574210471168323","authorId":3574210471168323,"name":"我就静静的看","avatar":"https://static.tigerbbs.com/185476ef1b6464fefffcbc9c7966d4d0","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":116058056,"type":1,"supId":0,"prevId":0,"content":"[呆住]","text":"[呆住]","html":"[呆住]"}],"langContent":"CN"},{"id":118420706,"gmtCreate":1622756430505,"gmtModify":1704190422209,"author":{"id":"3569397929644060","authorId":"3569397929644060","name":"xian90","avatar":"https://static.tigerbbs.com/597e333d78ad1c5b49b287741b60c0ad","vip":1,"crmLevel":2,"crmLevelSwitch":0,"idStr":"3569397929644060","authorIdStr":"3569397929644060"},"htmlText":"衝啊","listText":"衝啊","text":"衝啊","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/118420706","repostId":1126991956,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":5176015,"gmtCreate":1625866934640,"gmtModify":1663230776237,"authorId":3569397929644060,"author":{"id":3569397929644060,"idStr":"3569397929644060","authorId":3569397929644060,"name":"xian90","avatar":"https://static.tigerbbs.com/597e333d78ad1c5b49b287741b60c0ad","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":118420706,"type":1,"supId":0,"prevId":0,"content":"[得意] 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