Since the introduction of the anti-monopoly law, Ma Yun's life has become more and more difficult day by day, first Ali Group was fined more than 18 billion yuan and Ant Financial was suspended, and this also made many people recognize the face of Ma Yun's capitalists, saying that they are not interested in money, in fact, there is more money than anyone. Now Ma Yun is very low-key, but the company has been reported negative news, and now its product mutual treasure is about to shut down. Why is this another big problem for Ant Financial?
- Ant Financial failed to list
Before the digital currency was launched, there were two major payment giants, one was WeChat Pay and the other was Alipay Pay. You must use Alipay when buying things on Taobao, and this APP is a product of Ant Financial.
Alipay has many functions, you can store money in it to generate interest, you can also open Huabei to consume in advance, and now many people are still planting trees and raising chickens in Alipay. However, Alipay operates a fancy way, and his main group is still young people, and the elderly all go to WeChat that integrates chat and payment. Alipay has developed so well, why is Ant Financial still subject to supervision many times? These can not blame others, can only blame Ma Yun is too greedy.
In November last year, Ant Group was ready to go public, with a valuation of 2.1 trillion yuan, if the listing was successful, it is estimated that most of the wealth in the financial circle was snared by Ma Yun, success or failure in this move; what the green code did not expect was that it was stopped at the final critical moment, and then it was investigated by many regulatory authorities.
Investigate what? Of course, ant group technology, financial products are very sensitive, so Ma Yun, who is good at packaging, claims that ant group is a technology company and constantly weakens his financial capabilities. However, the products launched by it, such as Yu'e Bao, Fund, Huabei, Sesame Credit, etc., are all related to finance. Under the guise of technology, how can the government let him start a negotiation and rectification against Ant Financial.
Wave after wave of unevenness, Ali's punishment has just ended, Ant Group's punishment has begun, which makes the outside world question the development of Alibaba, of course, there are many people standing on Ma Yun's side to defend him, but with the media and experts will be Ant Financial's matter 11 public, those who defend disappeared. And this also makes people see the complexity behind the ant group.
- Money is reserved for oneself, pot is left for others
Borrowing other people's money and filling their own wallets, Ant Group's trick is very skilled. For example, Huabei, which can have a wide market among young people. Many young people have opened flowers, what is it?
Many merchants are encouraging people to buy luxury goods, but how can young people have so much money to spend to provide them with a good road, spend tomorrow's money to realize their dreams, and many people open Huabei to use their credit to borrow money from inside. The longer it is used, the higher the amount borrowed, and there will be nothing to pay back the next month, and if it is not repaid, it will be charged interest. Despite the interest, this also makes many young people flock to flowers, after all, they can meet their own consumption.
The madness encourages young people to consume, resulting in more and more insolvent people, and finally bringing a bad impact on society. After the failure of Ant Financial's listing, Huabei also carried out rectification, many users were reduced, and some users were even forced to shut down. This made many people angry, but then the data released by the state directly dispelled this entry.
According to the data, Huabei and Borrowing borrowed a total of 300 billion yuan, and Ant Group only paid 3 billion yuan, so where did the rest of the money come from? The results speak for themselves, all borrowed from banks. That is to say, once the money is not paid, then it is the country that suffers losses, and the ant group is a good person, spending other people's money and fulfilling its own dreams.
I want to make money in the financial circle, but I also have to see if I have that skill, and now the problem of Huabei has just been solved, and another product of its product is also going to be shut down, which is mutual treasure.
- Mutual treasure shut down
Insurance companies are extremely profitable, many insurance companies are equivalent to a large consortium, Ma Yun also wants to try the water here, but the industry license is difficult to get. So Ma Yun began to change the tanuki cat for the prince, and launched a new model called mutual aid, which is very similar to the insurance business.
In fact, insurance is very unsustainable in the mainland, and it always feels like he is deceiving. Ma Yun really grasped people's psychology, calling it network mutual aid, everyone only needs to pay a little money, if you have a serious illness, you can also get a certain premium from it. For example, you only need to pay one or two cents, and the guarantee fee can reach more than 100,000.
This model is very popular with the people, the development of up to now, the user has more than 100 million, shared twice a month, only 24 yuan a year, many people can afford it, but the more people who join later, the more money the people share. This makes many people panic, worried that this money has been rising, and they can't get the corresponding protection. Therefore, many people have also withdrawn.
From the very beginning, there was no limit for mutual insurance, which was like a bottomless pit, and he did not have a license, and it was the masses who suffered once the thunder broke. Therefore, after Ant Financial was regulated, the project of Mutual Treasure could not continue to develop, and at the end of December, Mutual Treasure issued a notice that the project would be officially closed at the end of January 2022, when he still had 75 million users left.
Shutting down is shut down, without considering the feelings of these users, which also makes many people who invest in mutual treasure feel losses, and once again let them recognize the face of Ma Yun's capitalists. Ma Yun wants to make money in the insurance industry, and his appetite is too big, do you remember that interview at this time? He claimed that he was not interested in money, but in the end it was he who circled the people's money. Ma Yun's reputation is getting worse and worse, he himself rarely appears in public, perhaps now he just wants to keep a low profile, and any of his products can't withstand the toss.
No business wants to make a profit, but there are many ways to make money, and Ma Yun used the worst one. He borrowed money from the bank to support the development of Ant Finance, but he did not bear any responsibility, if the project collapsed, it was the masses and the government that suffered, fortunately, the state regulatory authorities stopped in time to avoid more losses. Mutual treasure marketing looks like, but under an order, it is said to be closed, without considering the interests of consumers, and the People's Daily has repeatedly issued articles claiming that it hopes ma Yun will focus on the sea of stars. It is true that only staring at the pockets of ordinary people can not make a lot of money.