Nowadays, in the Field of the Internet, Alibaba and Tencent occupy a certain position. Alibaba's outstanding business is not only Taobao, but also Ant Finance, which ma Yun created. So, what business does Ant Financial mainly rely on to make money?
With the development of the times, the way to buy goods on the online platform has gradually integrated into everyone's life, and now, Ali's Taobao has also been connected to its Alipay, and while Taobao has gradually gained more users, Alipay has also gained more traffic. This is mainly reflected in Alipay's parent company, Ant Group.
It is worth noting that although the group's listing was suspended in 2020, the company is still very profitable, and the valuation of the company alone can reach 2.1 trillion. So, the ant finance created by Ma Yun, mainly rely on what to achieve the current results?
From the data point of view, the two most profitable businesses of the company are Huabei and Borrowing, mainly because these two major businesses alone have brought 11.2 billion yuan of revenue to the company. Specifically, borrowing is actually very easy to understand, just like the way bank loans, there is interest. Therefore, this business mainly relies on interest to make money.
However, the way Huabei makes money may not be very well understood, after all, if the user uses Huabei to pay money and successfully repays the loan within the term, then the user does not need to repay any interest. However, if you do not have enough funds to repay the loan within the time limit, then Huabei will also be very kind to recommend installments for you. From the data, if it is a three-in-stage payment, the handling fee is 2.5%, the sixth installment is 4.5%, and the twelfth installment is 8.8%.
However, if you neither repay the money nor choose to repay the loan in installments at the specified time, then there will be a late repayment and a corresponding penalty will be incurred. It is worth noting that although its fine is 0.05% a day, it is also a considerable amount. Just like if you borrow 10,000 yuan and the non-repayment time reaches one year, then the penalty is 2,000 yuan.
It is worth noting that Huabei not only relies on user overdue or installment interest to make money, but also can make money under the normal use of Huabei. So, what is the way it makes money?
In fact, the main thing is to earn the merchant's money, and after we use huabei transactions, the merchant will be deducted 0.8%-1% of the fee accordingly. You know, online Tmall alone, its total annual transaction volume can reach 6.5 trillion, of which many people use Huabei to pay. In addition, there are also many merchants offline who have opened Huabei payment methods, which is why the company has made a lot of money from it.
It is also with the help of these two major money-making businesses that the company has achieved a valuation of up to 2.1 trillion yuan.
It is worth noting that Alibaba's largest shareholder is Japan's SoftBank, and Ant Financial, which Ma Yun built, actually has three major foreign holding shares. So, do you know which three foreign capitals are?
Judging from the relevant data, the largest shareholder of the company is Ali, which occupies 32.74% of the shares; in addition, Hangzhou Junhan and Junao Group occupy 28.45% and 21.53% of the shares respectively. After them, the three major foreign investors have more shares, holding a total of 13.84% of the shares of the company.
Specifically, Singapore, Malaysia and Canada, the three major foreign investors, hold 7%, 3.56% and 3.28% respectively, occupying a large position. So, does Jack Ma have no stake in Ant Group?
In fact, Ma Yun is the largest shareholder of this company. Mainly because in the company's stock list, Junhan and Jun'ao have a great deal of success. It is understood that the largest shareholder of Junhan is Junjie, and the shareholder of Jun'ao is Junji. However, Junjie and Junji are also all managed by Yunbo Enterprise, and the most important thing is that Ma Yun is the manager of Yunbo and holds 100% of the company. That is to say, Ma Yun is the largest shareholder of Ant Group, after all, the shares of Junhan and Jun'ao add up to nearly 50%.
Although Ma Yun has retired from Alibaba today and is no longer in charge of the company's affairs, as Ant's largest shareholder, he still has some participation in Alibaba's project. It can be said that Ma Yun is the biggest winner.