1 thought on “The valuation of 45 billion US dollars, what are the business segments of Ant Financial?”
Lynn
Payment business section This is the business that Ant Financial relies on, and it is also the entrance to many Internet financial businesses in Ant Financial. At present, the brand's brand is mainly Alipay. There is a saying in the Internet industry, called "Get Paymenter Get the World". The current Ant Financial is a well -deserved king in the field of online payment. On the PC side, Alipay has no one who can shake the position in 11 years, and the market share is close to 50%. On the mobile terminal, despite the fierce competition, Alipay is still strong. Iraine statistics show that the market share of Alipay mobile at the end of 2014 reached 82.8%. In data from Caixin Magazine, the number of active users of Alipay has exceeded 400 million, of which more than 80%are mobile users, and the daily payment pens are more than 120 million daily payment. Regardless of the number of users or payment pens, Alipay is already the world's largest online payment platform and the largest mobile payment platform. It is reported that another network payment giant PayPal is about to split independence from eBay, and the market gives it a valuation of $ 40 billion. In fact, the current gap between the world's largest payment company and Alipay is getting bigger and bigger. In terms of the number of mobile payment pens, Alipay in 2014 is 4 times that of PayPal. of course, the value of payment is not only here, Ant Financial's perception of this point is the most profound. With the advent of the mobile age, payment is connection. With user -centric, through payment, you can connect to business, services, life, and finance. Alipay uses his absolute advantages to carry out various connections. After winning O2O and public services, it will become the largest online life in China. Service Platform. The wealth management business sector In from the perspective of troops, this is one of the most important business sectors of Ant Financial. Payment business is to make people spend money and save money, and wealth management business makes people make money. Only when we do big financial management business in the back end, users are willing to put money in the Ant Financial system, and the front -end payment business can become a active water. If Financial Services currently has more than 200 million wealth management users, and the thickness and depth of this sector can be reached. Yu'ebao, Zhaocai, Ant Da Ke, plus Zhong'an Insurance, several meters of fund networks, and Net Golden Society. Each brand is also a division of labor to meet the financial needs of users at different levels of users, forming a complete product matrix. From the perspective of business similarity, this business sector is equivalent to the sum of the Lujin Institute Oriental Wealth Network the largest fund company ... Among them, Yu'ebao, as the most shining Internet financial product, has a scale of more than 600 billion yuan and is the top three currency funds in the world. Its positioning is cash management tools. For pure wealth management users who care about income, have moderate risk preferences and have a large amount of investment, Ant Financial has prepared for them for wealth. It is only a year after the launch. The current transaction volume exceeds 160 billion yuan, which is the largest online wealth management platform in China. Those wealth management users who prefer high -risk and high -yields can find their investment opportunities at the Golden Society. In terms of insurance, in addition to providing a sales platform for major insurance companies, Ant Financial, as the largest single shareholder, is the first domestic Internet insurance company. Its insurance products are constantly innovating. The biggest insurance type. The chess pieces in the field of equity crowdfunding are believed to be launched soon. In the field of securities, although rumors are constantly, no Ant Financial has been settled. It is certain that Ant Financial will not be absent in this field. Waiting until the layout is comprehensive, the wealth management business of Ant Financial in the future will become a one -stop wealth management platform. There are various investment and wealth management business on the platform. After the user's money comes in, you don't need to go out. The financing business segments represented by the Internet Chamber of Commerce The online merchant bank and Ant small loan that meets the financing needs of users and merchants. Before the establishment of the online merchant bank, this business was supported by Ant Small Loan. Ant small loans that use big data for risk control have created a new loan model. In the past 5 years, it has served more than 1.6 million small and micro enterprises, with a cumulative loan balance of more than 400 billion yuan. In 5 years, such a small and micro enterprise credit users who have been sowear are not available at any bank. However, due to the restrictions on funding sources and business scope, small loan companies cannot fully meet the needs of users. The establishment of online merchant banks can just solve this problem. In the recent foreign statement of online merchant banks, this Internet -based bank must do the platform to create a "small bank and large ecology", and strive to serve 10 million small and micro enterprises and individual entrepreneurs within 5 years. The credit business sector The credit is the infrastructure of finance and even the entire society. The importance of sesame credit responsible for credit reporting in Ant Financial layout can be seen. In the business structure of the entire group, Sesame Credit will be an intermediate business, living under various specific businesses, and output credit services for payment, wealth management, and online commercial banks. Ixingly, Sesame Credit is about to obtain a credit license license in the first batch. Among the eight credit reporting agencies notified by the central bank in early January, the most optimistic is sesame credit. Because it has accumulated huge e -commerce data and Internet financial data, these data related to transactions are inherently related to credit reporting. It is not expected that less than one month after the central bank's notice was issued, Sesame Credit opened a public beta and launched the first domestic personal credit score. It was the best movement among all credit reporting agencies and the progress was the most smooth. From the perspective of Sesame Credit's business composition, it is not only a credit evaluation agency, a credit management agency, and a strong Internet characteristics, so it looks like the combination of Equifax FICO . Seriors credit divides application scenarios into two categories: life and financial fields. In the future, it will first cover P2P and consumer finance in the field of life and financial fields, and finally achieve full coverage. Since the public beta, Sesame Credit has continued to rent a car, rent a house, marriage, dating, driving, visa, etc., and has accumulated a good user base, and has access to a large number of Internet financial platforms. The news was also reported at the end of June that the first commercial bank to cooperate, which also achieved a breakthrough in the core banking field. Imagine that one day, whether your loan, making friends or job hunting will be required to view sesame credit, sesame credit is not just market value, but social significance. If international business sector The international business of Ant Financial has more than 17 million active users worldwide. Through Alipay, 14 kinds of currency can be settled. With the launch of Alibaba to start internationalization, as a supporting facility for the e -commerce system, the layout of Ant Financial's internationally accelerated significantly, and Alipay's headquarters also relocated to Shanghai accordingly. Since last year, Ant Financial has launched services such as Alipay overseas tax refund, overseas O2O, overseas transportation cards, international remittances, overseas direct purchase, etc., which has greatly expanded Alipay's application scenarios in overseas. The at the same time, Ant Financial also acquired 25%of Indian Payment Company PayTM at the beginning of the year, while the latter has become the largest mobile payment company in the Indian market, and the future prospects are inestimable. In terms of payment services, Ant Financial Services will respect the localization of users. Through the method of shares, the technical capabilities accumulated in the Chinese market for the other party can occupy the market as soon as possible. No surprise, Ant Financial will also carry out the acquisition and cooperation similar to Paytm in other countries in the future, and then connect with Alipay, which can quickly establish a capital settlement network of Huitong World. The technology and data business sector This is the bottom plate of all the business of Ant Financial, and it is also the core competitiveness of Ant Financial. Although these businesses are not showing mountains and no water, they are real nuclear weapons, and they are the reason why Ant Financial has maintained the lead for many years. Due to the application of cloud computing, in the Double 11 last year, Alipay's payment per second reached 68,000, far exceeding domestic and foreign financial institutions such as VISA. Thanks to the advancement of technology, Ant Financial has reduced the cost of each online transaction below 2 cents, ensuring that various inclusive financial businesses are carried out smoothly. In terms of security, Ant Financial has controlled the risk probability to one -millionth and reached the world's leading level. In addition to providing a solid backing to the group business, the technical strength of Ant Financial is also output. The most typical is the financial cloud. At present, more than 200 financial institutions have migrated relevant services to the financial cloud. Imagine that the system of financial institutions will run on Ant Financial Cloud in the future. The product will be sold through Ant Financial's platform. Ant Financial will become a "soil" for financial institutions to grow. It this business sector also implies and bred the future of Ant Financial -big data. In the future, the competition of large companies will focus on data. Whoever masters the data will master the future. Since the establishment of Ant Financial, it has defined itself as a technology -driven data company, which shows its strategic vision. At present, it is a company with rare big data resources and big data thinking and big data application capabilities in the world. Use big data to help fund companies develop new products, help insurance companies conduct differentiated pricing, help banks conduct customer loss warnings, help merchants better discover customers, understand customers, use big data to help financial institutions carry out loan risk management ... Big data big data ... Big data is big data ... Big data ... The value is constantly discovered in the attempt. With the maturity of Ant Financial's entire ecology, various data will further precipitate on this platform, and then be discovered and used to form a virtuous circle and become a treasure that will never be exhausted. The social security fund, which takes stability as the first priority, is obviously because of great profitability. Ant Financial is not far from the listing. It is estimated that it may log in to the capital market at the latest in 2017, which can share its growth value with Chinese users.
Payment business section
This is the business that Ant Financial relies on, and it is also the entrance to many Internet financial businesses in Ant Financial. At present, the brand's brand is mainly Alipay. There is a saying in the Internet industry, called "Get Paymenter Get the World". The current Ant Financial is a well -deserved king in the field of online payment. On the PC side, Alipay has no one who can shake the position in 11 years, and the market share is close to 50%. On the mobile terminal, despite the fierce competition, Alipay is still strong. Iraine statistics show that the market share of Alipay mobile at the end of 2014 reached 82.8%.
In data from Caixin Magazine, the number of active users of Alipay has exceeded 400 million, of which more than 80%are mobile users, and the daily payment pens are more than 120 million daily payment. Regardless of the number of users or payment pens, Alipay is already the world's largest online payment platform and the largest mobile payment platform. It is reported that another network payment giant PayPal is about to split independence from eBay, and the market gives it a valuation of $ 40 billion. In fact, the current gap between the world's largest payment company and Alipay is getting bigger and bigger. In terms of the number of mobile payment pens, Alipay in 2014 is 4 times that of PayPal.
of course, the value of payment is not only here, Ant Financial's perception of this point is the most profound. With the advent of the mobile age, payment is connection. With user -centric, through payment, you can connect to business, services, life, and finance. Alipay uses his absolute advantages to carry out various connections. After winning O2O and public services, it will become the largest online life in China. Service Platform.
The wealth management business sector
In from the perspective of troops, this is one of the most important business sectors of Ant Financial. Payment business is to make people spend money and save money, and wealth management business makes people make money. Only when we do big financial management business in the back end, users are willing to put money in the Ant Financial system, and the front -end payment business can become a active water.
If Financial Services currently has more than 200 million wealth management users, and the thickness and depth of this sector can be reached. Yu'ebao, Zhaocai, Ant Da Ke, plus Zhong'an Insurance, several meters of fund networks, and Net Golden Society. Each brand is also a division of labor to meet the financial needs of users at different levels of users, forming a complete product matrix. From the perspective of business similarity, this business sector is equivalent to the sum of the Lujin Institute Oriental Wealth Network the largest fund company ...
Among them, Yu'ebao, as the most shining Internet financial product, has a scale of more than 600 billion yuan and is the top three currency funds in the world. Its positioning is cash management tools. For pure wealth management users who care about income, have moderate risk preferences and have a large amount of investment, Ant Financial has prepared for them for wealth. It is only a year after the launch. The current transaction volume exceeds 160 billion yuan, which is the largest online wealth management platform in China. Those wealth management users who prefer high -risk and high -yields can find their investment opportunities at the Golden Society. In terms of insurance, in addition to providing a sales platform for major insurance companies, Ant Financial, as the largest single shareholder, is the first domestic Internet insurance company. Its insurance products are constantly innovating. The biggest insurance type. The chess pieces in the field of equity crowdfunding are believed to be launched soon. In the field of securities, although rumors are constantly, no Ant Financial has been settled. It is certain that Ant Financial will not be absent in this field.
Waiting until the layout is comprehensive, the wealth management business of Ant Financial in the future will become a one -stop wealth management platform. There are various investment and wealth management business on the platform. After the user's money comes in, you don't need to go out.
The financing business segments represented by the Internet Chamber of Commerce
The online merchant bank and Ant small loan that meets the financing needs of users and merchants. Before the establishment of the online merchant bank, this business was supported by Ant Small Loan. Ant small loans that use big data for risk control have created a new loan model. In the past 5 years, it has served more than 1.6 million small and micro enterprises, with a cumulative loan balance of more than 400 billion yuan. In 5 years, such a small and micro enterprise credit users who have been sowear are not available at any bank. However, due to the restrictions on funding sources and business scope, small loan companies cannot fully meet the needs of users. The establishment of online merchant banks can just solve this problem.
In the recent foreign statement of online merchant banks, this Internet -based bank must do the platform to create a "small bank and large ecology", and strive to serve 10 million small and micro enterprises and individual entrepreneurs within 5 years.
The credit business sector
The credit is the infrastructure of finance and even the entire society. The importance of sesame credit responsible for credit reporting in Ant Financial layout can be seen. In the business structure of the entire group, Sesame Credit will be an intermediate business, living under various specific businesses, and output credit services for payment, wealth management, and online commercial banks.
Ixingly, Sesame Credit is about to obtain a credit license license in the first batch. Among the eight credit reporting agencies notified by the central bank in early January, the most optimistic is sesame credit. Because it has accumulated huge e -commerce data and Internet financial data, these data related to transactions are inherently related to credit reporting. It is not expected that less than one month after the central bank's notice was issued, Sesame Credit opened a public beta and launched the first domestic personal credit score. It was the best movement among all credit reporting agencies and the progress was the most smooth. From the perspective of Sesame Credit's business composition, it is not only a credit evaluation agency, a credit management agency, and a strong Internet characteristics, so it looks like the combination of Equifax FICO .
Seriors credit divides application scenarios into two categories: life and financial fields. In the future, it will first cover P2P and consumer finance in the field of life and financial fields, and finally achieve full coverage. Since the public beta, Sesame Credit has continued to rent a car, rent a house, marriage, dating, driving, visa, etc., and has accumulated a good user base, and has access to a large number of Internet financial platforms. The news was also reported at the end of June that the first commercial bank to cooperate, which also achieved a breakthrough in the core banking field. Imagine that one day, whether your loan, making friends or job hunting will be required to view sesame credit, sesame credit is not just market value, but social significance.
If international business sector
The international business of Ant Financial has more than 17 million active users worldwide. Through Alipay, 14 kinds of currency can be settled. With the launch of Alibaba to start internationalization, as a supporting facility for the e -commerce system, the layout of Ant Financial's internationally accelerated significantly, and Alipay's headquarters also relocated to Shanghai accordingly.
Since last year, Ant Financial has launched services such as Alipay overseas tax refund, overseas O2O, overseas transportation cards, international remittances, overseas direct purchase, etc., which has greatly expanded Alipay's application scenarios in overseas.
The at the same time, Ant Financial also acquired 25%of Indian Payment Company PayTM at the beginning of the year, while the latter has become the largest mobile payment company in the Indian market, and the future prospects are inestimable. In terms of payment services, Ant Financial Services will respect the localization of users. Through the method of shares, the technical capabilities accumulated in the Chinese market for the other party can occupy the market as soon as possible. No surprise, Ant Financial will also carry out the acquisition and cooperation similar to Paytm in other countries in the future, and then connect with Alipay, which can quickly establish a capital settlement network of Huitong World.
The technology and data business sector
This is the bottom plate of all the business of Ant Financial, and it is also the core competitiveness of Ant Financial. Although these businesses are not showing mountains and no water, they are real nuclear weapons, and they are the reason why Ant Financial has maintained the lead for many years.
Due to the application of cloud computing, in the Double 11 last year, Alipay's payment per second reached 68,000, far exceeding domestic and foreign financial institutions such as VISA. Thanks to the advancement of technology, Ant Financial has reduced the cost of each online transaction below 2 cents, ensuring that various inclusive financial businesses are carried out smoothly. In terms of security, Ant Financial has controlled the risk probability to one -millionth and reached the world's leading level. In addition to providing a solid backing to the group business, the technical strength of Ant Financial is also output. The most typical is the financial cloud. At present, more than 200 financial institutions have migrated relevant services to the financial cloud. Imagine that the system of financial institutions will run on Ant Financial Cloud in the future. The product will be sold through Ant Financial's platform. Ant Financial will become a "soil" for financial institutions to grow.
It this business sector also implies and bred the future of Ant Financial -big data. In the future, the competition of large companies will focus on data. Whoever masters the data will master the future. Since the establishment of Ant Financial, it has defined itself as a technology -driven data company, which shows its strategic vision. At present, it is a company with rare big data resources and big data thinking and big data application capabilities in the world. Use big data to help fund companies develop new products, help insurance companies conduct differentiated pricing, help banks conduct customer loss warnings, help merchants better discover customers, understand customers, use big data to help financial institutions carry out loan risk management ... Big data big data ... Big data is big data ... Big data ... The value is constantly discovered in the attempt. With the maturity of Ant Financial's entire ecology, various data will further precipitate on this platform, and then be discovered and used to form a virtuous circle and become a treasure that will never be exhausted.
The social security fund, which takes stability as the first priority, is obviously because of great profitability. Ant Financial is not far from the listing. It is estimated that it may log in to the capital market at the latest in 2017, which can share its growth value with Chinese users.