Text|Xu Yu
Editor|Appreciation for both tastes and laymen
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When it comes to Ant Financial, everyone may not be very familiar. But when it comes to Alipay, everyone knows it.
Nowadays, Alipay is already a part of our lives, and it is also a necessary payment product for our daily outings to consume.
However, because of the irregular operation of Ant Financial behind it, it has now suffered a huge fine, with a fine of up to 7.1 billion yuan. What's going on here?
In fact, Ant Financial was fined more than 18 billion yuan before, an amount that ordinary people dare not imagine.
However, as long as we peek into Ant Financial's operating system and risk-averse system, we will find that such a fine is insignificant for Ma.
However, a fine of more than 20 billion yuan is definitely a fatal blow for a company, unless the company has a strong capital chain.
And Ant Financial's performance is really puzzling, because in the face of such a fine amount, Ant Financial is still carrying out daily operations, and has actively responded to rectification.
In fact, the original Ant Financial was just a vanguard of Jack Ma's attempt to develop the Internet finance industry, and since then, because of the docking of the market, its business has expanded more and more.
This has produced a series of Internet financial products, such as Huabei and borrowing.
After 2012, Internet finance has gradually evolved from a more counterpart market, which has also generated huge profits, so Ant Financial has now become a large company with business all over the country.
Ant Financial was originally just an ordinary Internet financial company, thanks to the popularity of the Internet, Ant Financial once evolved into a huge financial giant whose gold absorption rate has doubled.
As it stands, its IPO has reached $4 trillion. This is also why Ma Yun did not care about the 7 billion fine.
A $4 trillion IPO can fully rival the existence of the national treasury, of which if financial capital is transferred, it will be exchanged for more capital.
This also means that Ant Financial's anti-risk ability is completely very strong, even if there are some huge fines, it will still not affect its operation.
Moreover, the audience of Ant Financial's corresponding business is almost all over the country, directly connecting hundreds of millions of ordinary people.
As a result, those business leaders realized that the existence of Ant Financial has long surpassed its own corporate business positioning and is a financial giant that bundles national liquidity.
Its business scope will become stronger and stronger in the future, and it is not an existence that can be easily defeated by anyone or department.
It is precisely because of its strong ability to bundle funds that many departments have begun to be wary of the risks of their business, knowing that Ant Financial's current operation of funds is completely in line with the means of Wall Street bigwigs playing with funds.
This also caused many pawnshop owners to react, and they almost fell victim to Ant Financial's game of money.
Although it will not lose all its own funds, it will be affected by the operation of Ant Financial to some extent.
At first, no one thought that Ant Financial would rely on an ordinary Internet financial business to grow into a large financial company with a status comparable to a national giant.
The development process is entirely because Ant Financial has played leverage brilliantly.
At first, the leverage was not customized for Ant Financial, but when Ant Financial had some minor problems, Ma Yun began to raise resources to provide leverage services for Ant Financial.
This provision directly made Ant Financial bigger and bigger, and finally became a national financial giant.
In fact, Ant Financial's financial risks have already expanded many times in the reuse of leverage, which is also unbearable for ordinary enterprises.
But Ant Financial's own odds are insignificant for the actual risk, that is, about three billion.
And the distribution to Jack Ma is only a few million. Such a loss must be solved by Ma Yun casually.
Moreover, Ant Financial has now incorporated traditional financial institutions into its business scope, and it can obtain more customers from traditional financial institutions as it wishes, and the profits obtained from them are also very large.
In other words, most of the traditional financial institutions are already very dependent on Ant Financial, which may cause greater financial risks in the domestic financial industry.
Now Ant Financial can be said to have too strong authority.
With its continuous development, it is difficult for traditional financial institutions to have the possibility of independent business development, and will continue to be affected by Ant Financial's policies.
The success of Ant Financial has also triggered powerful bigwigs to enter the Internet finance industry.
But these bigwigs started late, and they were too conservative when opening up the market, so they could only follow Ant Financial.
This phenomenon is a good thing, but it needs to regulate the market order of the industry.
Because the road that Ant Financial has traveled has not been smooth sailing, but has experienced many hardships that ordinary people cannot imagine.
It is also because of the lack of transparency in the development process of Ant Financial that a series of violation risks have arisen, so the relevant departments will punish it, which is more conducive to the safe operation of Ant Financial.
What do you have to say about this? Welcome to leave your opinion in the comment area!