The future really needs a bank license, and we'll take it on our own.

"The future really wants a banking licence, we will take it on our own," said Ali Financial Group CEO Pengley in Hangzhou in an interview on the 21st Century Economic report, following the opening of the Alibaba Financial Group's equity structure.

Pengley said that at present Ali already has the payment, the insurance, the small loan, guarantees and so on the licence, the fund licence also "on the Road", the remaining licence is still only in the legend. But she denies that it will obtain a licence indirectly through a shareholding bank.

Ali financial Business No "restricted zone"

In an interview with the 21st century economic reporter, Pengley said that the main logic of Ali's finance is "let credit equal wealth", so there is almost no "absolutely no touch" of the forbidden area, "the most fundamental, this platform of customers, small micro-enterprises need anything, we do." "At present, Ali small micro-finance group already has the payment, insurance, small loans and guarantees and other licences."

In addition to the "balance treasure" This innovative products, Ali Finance is still studying new products. "Ali Internal will balance treasure is called Item 2nd, we already have 1th, 2nd, 3rd, 4th, 5th new items." "But Pengley did not disclose specific product details.

It is noteworthy that Ali financial or will enter the Peer-to-peer business. At the end of October's Alipay share day, an executive at Ali Finance said the Peer-to-peer industry's current bad-debt rate is a bit high and will be considered when it is lowered. And Pengley repeatedly stressed, "as long as the customer needs, regulatory permission, did not touch the red line, we are likely to do." ”

For Ali small loan funding difficulties, Pengley said that small loans have less capital, but small micro-enterprise loan demand is very strong, "we have been looking for partners, a lot of policy banks, commercial banks have joined our sources of funding, we are using this market-based means to solve the source of funds." "Previously, Ali small loan has been through asset securitization and the issue of trust products, such as funds.

Replace Cash

Pengley said that from November 15 onwards, Alipay Wallet will be as an independent brand to promote vigorously. This is also known as Ali Finance as a "replacement of cash," the exclusive secrets.

"Our understanding of replacing cash is to pay the treasure purse, I now open my eyes every morning to brush the balance treasure to make how much money, and then go out to pay, a swish, especially good," Pengley said to 5 billion of such a huge amount of money does not feel much, "I actually for five dollars, five cents more interested in, There is a lot of room to change the way we live in this area. ”

And for the micro-letter payment of this strong competitor, Pengley that the micro-credit payment is only paid, and Alipay's mobile strategy positioning in the "Mobile Life", "can make money, can take care of life, including water and electricity recharge fees." This is the concept of mobile life, you can really go out without money. In the App Store, the Alipay wallet has been in the top of the free apps list. Ali financial side also revealed that Alipay Wallet is currently the daily number of mobile payment has reached about 12 million pens.

Insiders on this figure also quite feeling. "This data second kills all the bank launches of mobile payments and near-field payment products, including UnionPay, and we are not at all at a order of magnitude with Alipay." "The head of the electronic Banking department, a share bank, said.

In addition to external competition, Ali finance also faces the problem of internal valuation. As Ali Financial and Ali group business closely linked, Ali small loan needs to use the group's electricity quotient data to assess risk and issue loans, whether to pay for this in the future? Pengley said that Ali finance in October just confirmed with the group data exchange rules, pricing system, "Brother Ming accounts, and the future Alibaba Group or Ali Financial Group to be listed, linked transactions must be clear." ”

At the same time, in the confidentiality of demand, Alipay many data will not be shared with the group, such as customer credit card number, bank card data.