Why does a company's lending behavior cause such concern?

Xinhua reporter Yang Flood

"Let the banks tremble!" "A well-known property developer on Weibo has made such a comment after learning that Alibaba's online credit is expected to be open to all ordinary members," he said. Yesterday, reporters on this matter to Ali group verification, the response was noncommittal, only that at present, Ali credit to Jiang, Zhejiang, Shanghai, the ordinary members of the general Open, the future will take into account the financial situation and other comprehensive environment, and then decide whether to open to all members.

Why does a company's lending behavior cause such a concern? Many people in the impression of Alibaba, or Taobao, such as network trading platform, but in fact, Alipay has accumulated a large number of data and small and medium-sized enterprises trading data, so that Alibaba in SME loans with sufficient confidence. and Ali credit to all members open, but also in the bank once a single big loan field, a successful "grab food" behavior.

Ali Loans released in 2 years 28 billion

For small micro-enterprises, capital flow is almost an eternal problem. In particular, open shop online, in the initial stage of business, no guarantee, no collateral, want to obtain loans from the bank is difficult.

A recent news that originally only for the Soviet Union and Zhejiang Shanghai Alibaba members open "Ali loan", will be the general membership of Alibaba to release. Small micro-enterprises only rely on credit qualification, do not submit any guarantee, mortgage, you can come to Ali financial "micro-loan." And for this statement, Ali financial related officials in the interview without denying.

On the home page of Arrey Finance, the description of "Ali loan" is more attractive.

"Top 1 million + fastest 7 days + unsecured + unsecured" is the best courtesy the business can get. and to enjoy this treatment, the enterprise first needs to be Alibaba China Station member, and has certain operation record, the applicant age is between 18-65 years old, is the legal person or the self-employed persons in charge, and is the Chinese mainland resident, the business registration must in Shanghai, Zhejiang Province (except Wenzhou), Jiangsu Province, and the registration time is 2 years.

According to the statistics of Ali Finance: Only the first half of this year, Ali finance to small micro-enterprises on the cumulative loan of 13 billion yuan; Since the beginning of the self-employed microfinance business in 2010, Ali Finance has accumulated for more than 129,000 small micro-enterprises to provide financing services, loans amounted to 28 billion yuan.

The power of this new type of microfinance technology has been rising because of the low threshold. In the first half, Ali Finance added small micro-enterprises have 40,000. Can imagine, if "Ali loans" to Alibaba's ordinary members of the full release, this data will also be a geometric increase.

Credit network becomes competitive capital

"Too good, Ali finally took this step!" The Bank is shaking! "It's a direct bank robbery," he said. "In succession, the message at the same time, micro-bo on the many netizens present one-sided statement." Even Pan Shiyi, a real estate trader, sighs: "The reform of the Bank has begun!" ”

Unsecured, unsecured loans to the bank is still a problem, why Ali loan can do? The answer is Alibaba's main business: Network trading platform.

"Alibaba clearly knows the business status and performance of the enterprise on its platform every year, through the feedback of other users can basically grasp the credit situation of these enterprises." "Bankers said that it is based on the understanding of enterprises, Ali loans in the protection of capital security, under the premise of the choice of a large number of good credit, active trading, have prospects for the development of enterprises to carry out business.

After several years of accumulation, Alibaba has been the characteristics of small and medium-sized enterprises, including static information and dynamic tracking of business operations, woven into a network of credit relations, which is its courage from the bank's mouth "competition for food" capital.

Mr. Ma, Chairman and CEO of Ali Group, once said in a speech a few years ago: "How many banks are really doing their job in lending to small and medium enterprises?" Few。 If the bank does not change, we change the bank. ”

Accounts

Loan 100,000 per annum is several times more than the bank

Then, to small micro-enterprise funds flow "timely" image of the self-proclaimed Ali loan, is not really like Xiaganyidan "Hong Seven public"?

In Arrey Finance's homepage, introduced the loan product and the interest rate in detail. "Revolving loan" means the loan amount as a petty cash, do not take interest, can be accompanied by borrowing, for enterprises more flexible, the daily interest rate of six out of 10,000 or so, a few days in a few days; "fixed loan" means that the loan amount is issued once after the loan, and the daily interest rate is about five out of 10,000.

Without complicated calculations, the annual rate of six out of 10,000 per cent is about 21.9% per cent, and the annual rate of five out of 10,000 per cent is about 18.3% per day. The 1-year benchmark interest rate for renminbi loans is only 6%. This means that the same loan of 100,000 yuan a year, "Ali loan" needs to pay 18,000 yuan to 21,000 yuan of interest;

"If companies need bigger capital, they have to rely on banks," he said. Ali loan rate is too high, can only be said to be a form of private credit. "The bankers said.