蚂蚁十日：从马云喊话监管开始，以蚂蚁暂缓上市结束

北京商报2020-11-03

11月3日，又将是个不眠夜，只差临门一脚的蚂蚁上市，再次生变。当日晚间，上交所及港交所突发公告：暂缓蚂蚁上市。短短数字，足以引发舆论震荡，牵动蚂蚁神经。事实上，就在暂缓上市的前一夜，蚂蚁被监管多面“镣铐”，一面是央行、银保监会等四部门罕见联合约谈，一面是网络小贷新规处处“扼喉”，此外还有官员直指“花呗”“借呗”侵害消费者权益。监管五指山拍下之前，蚂蚁IPO也曾进行得火热，网上发行有效申购户数516...

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唐华斑竹
·2020-11-04
讓你膨脹，明明是一隻螞蟻，還以爲自己是大象。
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madhatter
·2020-11-04
厲害厲害，十日之內再次不具備條件了，打臉老馬的同時，知道這也是打自己臉嗎?
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1
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简单让生活更美好
·2020-11-04
666
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Lynn_zz
·2020-11-04
傻了吧，在國內上市就是個坑！國內一切要看領導面子，你只顧說實話，不給人家面子，人家不坑你嗎？國內各大銀行哪個沒有自己的小貸業務，年利率百分之十幾二十多的少嗎？所以國內根本沒有公平公正可言！現在貸款利率是高，但不是螞蟻一家，我支持查螞蟻，但是要連帶國內各大銀行信貸機構一起查！不然，我是不服！
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- ChenXuefeng:
  说的对！！网络声讨个大银行！银行小贷不仅利率奇高而且还要买各种理财保险搭售强买强卖，及其恶劣！！就是坑害老百姓的！
  2020-11-04
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- 社区成长助手:
  终于等到了您的初发帖[比心][比心]发帖时关联相关股票或者相关话题，可以获得更多曝光哦～如果您想创作优质文章，请查看老虎社区创作指引
  2020-11-04
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小白84544664
·2020-11-04
都是出來混的，誰不要點面子，馬老師飄了
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- ChenXuefeng:
  支持马老师不要面子要里子！
  2020-11-04
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zgsung
·2020-11-04
註冊制？還是審批制
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2
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我爱我的梦
·2020-11-04
赤裸裸的打壓嘛，阻礙不了歷史的車輪！
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3
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虹鸽1018
·2020-11-04
這篇文章不錯，轉發給大家看
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WayneC
·2020-11-04
步子邁太大，扯到蛋了。
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股市淘金者
·2020-11-04
後面該不會是螞蟻主動放棄上市，然後隔個幾年，躲過風聲，然後又遠赴美帝上市吧？
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- 股市淘金者:
  嗯，支持马云?。中国需要更多有远见卓识的企业家，也需要更包容有气度的营商环境。
  2020-11-05
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- ChenXuefeng:
  不要国内上市国内就是没有公平公正，恶劣，银行坑害小企业主坑害老百姓还少吗？？绝对支持马云和蚂蚁颠覆银行业！！
  2020-11-04
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男人味春哥
·2020-11-04
正常監管還是很必要的，防止脫繮的野馬
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- 社区成长助手:
  终于等到了您的初发帖[比心][比心]发帖时关联相关股票或者相关话题，可以获得更多曝光哦～如果您想创作优质文章，请查看老虎社区创作指引
  2020-11-04
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2018牛
·2020-11-04
馬雲說過打敗你的不是技術，可能是一份文件！
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10
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万象入星辰
·2020-11-04
雖然有波折但羊頭效應太大，後面越發吃灰！
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3
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nomore
·2020-11-04
本來上市一方面割全球韭菜，一方面破發給註冊制祭旗，結果港佬準備了做空期權，那就只能暫停上市了
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饿鱼
·2020-11-04
金融沒有希望了
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NDY
·2020-11-03
螞蟻曾經對大象伸出一條腿，說要拌丫一跟頭。
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4
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小虎2776
·2020-11-03
然後就是打擦邊球，結果還太得瑟了。
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1
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让一切随风而去
·2020-11-03
對我們有益就可以了，管他們怎麼鬥
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- 社区成长助手:
  终于等到了您的初发帖[比心][比心]发帖时关联相关股票或者相关话题，可以获得更多曝光哦～如果您想创作优质文章，请查看老虎社区创作指引
  2020-11-04
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天火同人
·2020-11-03
本質就是高利貸公司
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- ChenXuefeng:
  银行是赵家的，看你赚钱了我眼红不行吗？公平竞争我玩不过你，但是我有权有后台，弄你不是分分钟
  2020-11-04
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- 扯了:
  蚂蚁那么大的贷款体量，都是拿刀逼着用户们借的吗？蚂蚁的放贷资金那里来的？实际的用户需求摆在那里，这事本来是银行应该做的，他们的资金成本那么低，如果他们来做，就不会有高利贷这一说了，那为什么银行不去做，固有的风控系统，限制银行不能去做，但银行并没有放弃这个市场，间接提供资金给蚂蚁，其实蚂蚁赚的都是辛苦钱，银行才是旱涝保收，这些东西不是局外人能够理解的，所以你说这话也不怪你，但劝你不要让无知蒙蔽了眼睛
  2020-11-04
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- 天火同人:
  你都不知道我在说什么
  2020-11-04
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扯了
·2020-11-03
其實很明顯，螞蟻上市是不是監管批准的？那批准前螞蟻是做什麼事的監管不明白嗎？既然明白爲什麼短短十天就出現這麼戲劇性的變化？結果很明顯，老馬的公開言論觸及了中國金融系統的痛處，與中國主流金融系統和固有的監管思路發生了激烈的碰撞，最終導致了目前的結果，就像老子和兒子之間的代溝，即使老子心裏明白兒子說的有道理，但在公開場合，老子就是老子，你敢讓老子下不來臺，有一嘴巴子就上去，就問你有沒有毛病！服了，以後該怎麼着怎麼着，不服就把你零花錢停了，看你以後聽不聽話！
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- 扯了:
  蚂蚁被批准上市也就十天左右，如果谈不拢，压根不应该过会，如果像你说的这样，是老马在配合监管炒作吗？
  2020-11-04
  Reply
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- 为爱而伤:
  很明显你倒为因果了。你以为这么大的事，没有公开之前就没有动作了吗？他们是先在下面谈，谈不拢马云才开始公开的。
  2020-11-04
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- 京东商城:
  马云的讲话也是在经历了这么多年捶打之后发出的痛苦哀嚎吧，而监管层也是受到一些权利机构的裹挟，没办法，都在里面，谁都不能独善其身。
  
  等蚂蚁上市的那一天，一切可能都会不同吧
  2020-11-03
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Listing","themeId":null,"isJumpTheme":false,"ttsUrl":"https://static.tigerbbs.com/05ee4d537abfeec7bbd18624c6a5f43f","symbols_score_info":{"688688":0.9,"06688":0.9},"content_text":"11月3日，又将是个不眠夜，只差临门一脚的蚂蚁上市，再次生变。当日晚间，上交所及港交所突发公告：暂缓蚂蚁上市。短短数字，足以引发舆论震荡，牵动蚂蚁神经。事实上，就在暂缓上市的前一夜，蚂蚁被监管多面“镣铐”，一面是央行、银保监会等四部门罕见联合约谈，一面是网络小贷新规处处“扼喉”，此外还有官员直指“花呗”“借呗”侵害消费者权益。监管五指山拍下之前，蚂蚁IPO也曾进行得火热，网上发行有效申购户数516万户，创科创板新高；申购金额19.05万亿元，刷A股最高纪录；拟筹2312亿元，成为全球最大IPO……每一个数据、每一次进展，都足以成为媒体关注的头条、公众热议的焦点。一面是IPO屡次“创纪录”，一面是监管风暴强势压顶，自马云外滩金融峰会喊话十日以来，蚂蚁屡次被置于风口浪尖，可谓跌宕起伏。投资者最为关切的是，监管紧箍下，蚂蚁IPO能否重启，又该如何进一步规范业务，仍待蚂蚁给出答案。（图片来源：视觉中国）01沪港两地IPO被紧急“熄火”按照原定计划，蚂蚁将于11月5日在沪港两地同步挂牌上市。为了这个全球最大IPO，蚂蚁已准备良久。从8月25日公布招股文件、9月18日闪电过会、10月26日揭开发行价悬念，再至10月29日A股火热打新，在业内看来，蚂蚁IPO的每一步都走出了“加速度”。然而上市前夕，敲钟未至，蚂蚁却先收到了来自监管的“大礼包”。11月3日晚，上交所首页公告称，决定蚂蚁公司暂缓上市。理由为，蚂蚁实际控制人及董事长、总经理被有关部门联合进行监管约谈，且公司也报告所处的金融科技监管环境发生变化等重大事项。该重大事项可能导致蚂蚁不符合发行上市条件或者信息披露要求。与此同时，港交所也公告称，暂缓蚂蚁H股上市。该突发缘起于11月2日晚，据证监会官方发布，当日，央行、银保监会、证监会、国家外汇管理局联合对蚂蚁实际控制人马云、董事长井贤栋、总裁胡晓明进行了监管约谈。巧合的是，约谈一事公布后不到半小时，银保监会官方再发消息，就《网络小额贷款业务管理暂行办法（征求意见稿）》公开征求意见（以下简称“新规”）。其中，无论是从原则上禁止跨省展业规定，还是联合贷款出资不得低于三成等条例来看，均足以对蚂蚁小贷业务构成重击。要注意的是，目前，小贷业务是蚂蚁主营业务之一。据招股书披露，蚂蚁营收的增长主要来源于数字金融科技平台，该平台又由微贷科技平台、理财科技平台、保险科技三大块构成，其中，微贷科技平台以39.41%的占比居首，也就意味着，贷款类业务在蚂蚁的细分收入中占据了绝对地位。原本火热进行的A+H股IPO突然“熄火”，业内对此颇为唏嘘。而投资者“吃瓜”之余，最为关心的是，上市暂缓后，蚂蚁是否还有继续上市可能？针对暂缓上市一事，北京商报记者向蚂蚁方面采访，但截至发稿未获得回应。在部分人士看来，目前，蚂蚁后续能否继续上市暂无定论，但可以预见的是，暂缓上市、监管约谈和网络小贷新规或将改变蚂蚁的估值逻辑。正如麻袋研究院高级研究员苏筱芮所称，如果单纯不符合信息披露要求，按照监管规定披露以后还可以继续上市；但如果被监管认定为“不符合发行上市条件”，那么后续走向存疑。金融行业资深分析师王蓬博则进一步称，上交所要求蚂蚁进行风险说明，且要求对上市所处金融科技监管环境改变做出评估，完全合理合规，从保护股民，提示风险的出发点也应该暂缓。但暂缓不等于退出，相信只要符合上交所条件，仍然有继续上市的可能。不过从大的环境来看，可能会改变蚂蚁的上市进程，包括相对应的估值逻辑。此外，联储证券研究员马炜也认为，尽管上交所暂缓蚂蚁上市，但补足披露信息后，蚂蚁或可继续上市。一方面，蚂蚁在上市前，接受最强的监管，也是题中应有之意。蚂蚁是中国最大的线上消费信贷和小微经营者信贷平台，对金融科技的监管绕不开蚂蚁，对小贷市场的监管同样绕不过蚂蚁。此次监管风暴可以说因蚂蚁而起，也可以说对整个行业的监管风暴。不过，也有观点认为，尽管上市暂缓，但后续继续上市毫无悬念。正如券商投行资深人士何南野指出，上市暂缓，一是为了呼应四部门约谈后的监管精神，对蚂蚁上市进行更加严格的审核，二是近期一系列新政策的出台，对蚂蚁的经营造成了一定的不确定性，客观上也需要暂缓，并充分向投资者披露风险后，才方便推进下一步的工作。“从目前看，蚂蚁上市是无悬念的，只要充分披露风险，并积极根据监管精神进行内部整改，上市还是没有任何问题的。”何南野称。02花呗、借呗等产品被戴“紧箍”上市前两日被紧急叫停，四大重量级部门联合约谈，此案例鲜少有之。在业内看来，蚂蚁此次遭遇的监管风暴，导火索在于10月24日马云在外滩金融峰会上的仗“蚁”直言，他喊话国内金融监管大谈创新，批判银行是当铺思想，称巴塞尔协议是“老人俱乐部”，可谓是语惊四座，也在金融行业引发了巨大争议。马云发言十日来，蚂蚁已被屡次置于风口。监管“高规格”约谈，小贷业务再受约束，一切看似突然，但实则早已有迹可循。一个重要的信号是，10月31日，国务院金融稳定发展委员会专题会议强调，“既要鼓励创新、弘扬企业家精神，也要加强监管，依法将金融活动全面纳入监管，有效防范风险”。虽未点名，但在业内看来也有对马云言辞的隔空回应之意。与此同时，央行行长易纲近期也在多个场合公开表态大型科技公司创新风险。作为金融游戏规则的改变者，大型科技公司虽然提高了金融服务水平，改善了偏远地区的服务需求，但个人隐私保护、企业商业秘密保护、数据鸿沟等问题却亟待解决。值得一提的是，银保监会消费者权益保护局局长郭武平11月2日也发文称，无论是持牌金融机构还是新兴金融科技公司，都必须保护好金融消费者权益。但相对而言，对于金融科技公司的消费者权益保护，目前缺乏明确规则和要求，出现了监管套利行为，与持牌金融机构形成不当竞争，最终难以有效保障金融消费者权益。郭武平还指出，金融机构与科技公司合作中，资金大部分来源于金融机构，但是金融科技公司利用寡头垄断地位收取过高费用，增加了金融消费者成本。此外，郭武平点名道，在收费方面，金融科技公司缺乏统一标准，一般高于持牌金融机构。比如“花呗”与银行信用卡业务基本相同，但分期手续费高于银行，与其普惠金融理念不符，实际上是“普而不惠”。蚂蚁如今面临的监管挑战着实不小。正如苏筱芮所称，网络小贷牌照、消费金融牌照由银保监会管，金融控股公司归央行管，而蚂蚁目前的主要风险点就在网络小贷和金控这两个业态上，尤其是金控这块还有很多配套细则尚未公布，监管后续的手段中还有很多可发挥的空间。监管加码，对蚂蚁构成实质性冲击，尤其是花呗、借呗类业务将戴“紧箍”。王蓬博进一步指出，除了监管挑战和个人数据隐私保护外，蚂蚁赖以生存的支付基础也将面临挑战。如果互联互通继续推进，类似美团、滴滴等场景掌控力度较强的平台，如果发力支付闭环，蚂蚁的用户和商户基础就有可能受到挑战，这些都可能会对蚂蚁的业务产生影响，进而对蚂蚁的利润增速造成冲击。不过，目前网络小贷新规还在征求意见阶段，一切仍尚有变数。马炜认为，蚂蚁和监管的博弈仍未结束。不过，所有的新金融归根到底还是落在金融上，金融监管的创新是有边界的，蚂蚁必须接受和融入现代金融监管的主流标准。要解决金融科技创新的风险，业务的发展和创新都应当遵循金融监管的规则，在不超过金融监管边界的前提下规范创新。03微贷科技业务模式或将进行调整实际上，蚂蚁此前也曾在招股书中作出相关风险提示，包括“公司的微贷科技平台无法维持高速增长的风险”“公司的微贷科技平台业务依赖与金融机构合作的风险”等。具体来看，如遇到未能完全合规经营、无法保持合作金融机构对平台的信任、无法达到合作金融机构的预期、无法有效监控信贷风险及提供催收服务等情况时，蚂蚁将面临合作金融机构数量减少等境况。除了业务过度依赖合作机构外，蚂蚁称，其互助项目尚不作为保险产品被监管，但是不排除未来监管机构对类似相互宝的产品实施监管，从而增加相互宝产品合规的复杂性并大幅提高合规成本。无法有效保障数据安全和隐私保护亦是一大挑战。蚂蚁称，公司在业务过程中收集并处理大量用户信息，并对用户信息进行分析，形成用户画像、人群特征等信息。如果公司的用户信息被第三方不当获取、使用或披露，公司将可能面临消费者、商家、合作金融机构及其他平台参与方流失、对公司平台失去信心及信任的风险，甚至可能面临诉讼、监管调查或罚款，这种情况将严重损害公司的声誉，并对公司的业务、财务状况及经营成果造成不利影响。“正如蚂蚁所言，其业务高度依赖与金融机构合作。”苏筱芮指出，后续，蚂蚁可加大纯科技业务的比重，尽快将蚂蚁链等规模化、商业化，用真正的技术驱动来回应市场对科技公司身份的质疑；此外，可在金融监管框架内继续发挥自身的牌照作用，接受持牌机构存在严格杠杆率约束的现实，按照过往持牌金融机构的标准来继续展业。“在IPO之前监管落地，实际上是对蚂蚁未来的不确定性有了确定的说法。”王蓬博进一步称，今后，很多中小网贷公司运营门槛将被抬高，但借款人需求依然存在，这部分需求只能由蚂蚁这种被规范以后仍有资金能力的机构来操作，这反而有利于市场集中。当蚂蚁已经成长为今天的体量，业务拥抱监管才是一个正确的方向。“具体来看，业务方向上肯定要首先落实监管要求，在此前出台的各项法规框架下合规经营。对目前监管质疑较大的数据和用户保护问题要加强重视。费率问题也要有一个明显的普惠方向的改善，只有真正对消费者让利，而不是凭借场景触达优势绑定。”在王蓬博看来，若蚂蚁的优势在于触达、让金融更便捷，那后续如何保持这种原发优势是其需要考虑的方向。此外，对支付行业的竞争仍然要保持敏感，如何面对行业竞争，利用科技手段去开拓更多的信用场景和发展B端企业服务，助力实体经济产业数字化转型才是真正值得探讨的方向。零壹研究院院长于百程则认为，蚂蚁一方面需要重新申请全国牌照，另一方面联合贷款出资比例等造成的业务杠杆限制，对于其业务增长的影响也可能最为直接。待新规正式落地，蚂蚁的微贷科技业务模式将进行调整。不过综合看，蚂蚁若上市后资金储备丰富，后续也可能采取其他比如消费金融公司牌照，或者用纯科技服务的方式进行微贷科技业务。","kind":null,"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":306798342,"gmtCreate":1604465431086,"gmtModify":1704956254757,"author":{"id":"3467789556132272","authorId":"3467789556132272","name":"唐华斑竹","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"idStr":"3467789556132272","authorIdStr":"3467789556132272"},"htmlText":"讓你膨脹，明明是一隻螞蟻，還以爲自己是大象。","listText":"讓你膨脹，明明是一隻螞蟻，還以爲自己是大象。","text":"讓你膨脹，明明是一隻螞蟻，還以爲自己是大象。","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"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坑害老百姓还少吗？？绝对支持马云和蚂蚁颠覆银行业！！"}],"langContent":"CN"},{"id":306491866,"gmtCreate":1604442280955,"gmtModify":1704956116461,"author":{"id":"3546836067782528","authorId":"3546836067782528","name":"男人味春哥","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":1,"crmLevelSwitch":0,"idStr":"3546836067782528","authorIdStr":"3546836067782528"},"htmlText":"正常監管還是很必要的，防止脫繮的野馬","listText":"正常監管還是很必要的，防止脫繮的野馬","text":"正常監管還是很必要的，防止脫繮的野馬","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/306491866","repostId":1119290564,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":2998968,"gmtCreate":1604452167742,"gmtModify":1680768199023,"authorId":3527667803686145,"author":{"id":3527667803686145,"idStr":"3527667803686145","authorId":3527667803686145,"name":"社区成长助手","avatar":"https://static.tigerbbs.com/2b7c7106b5c0c8b0037faa67439d898f","vip":1,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":306491866,"type":1,"supId":0,"prevId":0,"content":"终于等到了您的初发帖[比心][比心]发帖时关联相关股票或者相关话题，可以获得更多曝光哦～如果您想创作优质文章，请查看<a 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