What is the relationship between ant financial service and Alibaba what is the relationship between Alipay and ant financial service
4hw.com.cn: we all know that Alibaba and ant financial are both founded by Ma Yun. They seem to have a very close relationship. Do you know the relationship among ant financial, Alipay and Alibaba? Let's have a look.
First of all, it needs to be pointed out that ant financial services was born from Alibaba. It is the financial business of the original Alibaba group, and the core is Alipay, which is combined to form a new ant financial services group. Ant financial services is currently an affiliate of Alibaba, and they are two independent legal entities.
First of all, the fundamentals of ant gold suit.
After more than two years of preparation and expansion, ant financial has become a full-service financial group. At present, ant financial has been involved in payment, micro loan, fund, insurance, financial management, credit investigation and other business areas. It has ant Huabei, ant loan, alili loan and online business loan and other credit products, especially alili loan, which has the largest number of users. This can be applied for in Huixin, and the limit is higher than that of Huabei, with a minimum of 20000 and a maximum of 150000. In addition, new Internet formats such as e-commerce bank and sesame credit are also being prepared and tested since the beginning of 2015.
In contrast, Alipay is still the most brilliant asset of ant financial services. After 10 years of development, the business is the most mature and perfect. Especially in the past two years, Alipay has begun to make profits on a large scale, which is considered to be the most valuable business of Alibaba.
After introducing the basic situation of ant financial services, we will explain the relationship between Alibaba and ant financial services from the perspective of shareholding.
According to the information previously disclosed by ant financial services, at present 40% shares of ant financial services belong to Alibaba system, of which ma Yun holds 7.3% shares and the remaining 60% shares are used to introduce strategic investors. If Alibaba shares again in the future, or can continue to share 37.5% of the profits of ant financial services, Ma Yun and Alibaba can have an absolute say in ant financial services. Even if a third-party strategic financing comes in, their say is small, just like the previous shares in Alibaba, just take a ride.
Therefore, in terms of equity, ant financial is Alibaba's subsidiary, which has absolute control over it.
From the perspective of business, ant financial service is also inseparable from Alibaba's whole ecosystem. Because the natural payment scene on Taobao is the most important reason for Alipay to grow and lay its foundation. Ant financial is working on Internet finance, and finance must have countless causal logic with the mass consumers represented by Taobao, and only when Taobao and ant financial are combined can they have chemical reactions.
Well, now it's finally clear!
In a word, the largest shareholder of ant financial services is Alibaba headed by Ma Yun, and Alipay is the core asset of ant financial services, at least at present.