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中国对阿里巴巴展开反垄断调查

2020-12-25 12:15

 

今天,中国国家市场监督管理总局(SAMR)发表了一份简短声明,称其正在调查电子商务平台阿里巴巴涉嫌垄断行为,涉及限制合作伙伴与其独家合作。与此同时,官方通讯社新华社宣布,蚂蚁金服已被召集与多家监管机构开会。


蚂蚁金服最初是阿里巴巴的子公司,拥有中国最大的移动支付应用支付宝。由于监管机构的担忧,该公司的大规模IPO最近被搁置。它必须会晤的监管机构包括央行、中国银行保险监督管理委员会(CBIRC)、中国证券监督管理委员会(CSRC)和国家外汇管理局(SAFE)。


蚂蚁金服在一份声明中表示:“我们将认真研究并严格遵守监管部门的要求,毫不妥协地完成相关工作的实施。”


这家金融科技巨头已经根据监管机构的担忧对运营进行了调整。上周,支付宝停止收取客户的定期存款。


今天,有更多的报道称,蚂蚁金服拥有超过1亿用户的华北平台已经将一些年轻用户的贷款额度降低到了2000元或3000元。它本质上是一个先买后付的平台,最初瞄准电子商务,但后来扩张了。据《证券时报》报道,蚂蚁金服表示,它调整了配额,以促进更理性的消费习惯。信贷占蚂蚁金服收入的39%。


Ant并不孤单。微信的所有者腾讯旗下的微众银行已将其微贷应用的贷款额度从3万元下调至2万元。


与此同时,竞争监管机构SAMR今日转载了《人民日报》的一篇反垄断文章,详细阐述了对阿里巴巴的调查。报告指出,美国和欧洲都在采取行动,旨在控制互联网巨头的垄断行为。


文章的结论是,“这次调查并不意味着国家对平台经济鼓励和支持的态度发生了改变。正是为了更好地规范和发展平台经济,引导和促进平台经济的健康发展。”


正如我们之前所报道的,中国推出数字人民币是对支付宝和微信支付在移动支付领域主导地位的回应。


蚂蚁金服和微众银行都是中国区块链领域的主要参与者,Ledger Insights将在未来几天独家发布其区块链2021年预测。

 

Today China’s State Administration for Market Regulation (SAMR) issued a terse statement saying it is investigating e-commerce platform Alibaba for suspected monopolistic practices involving restricting partners to work with it exclusively. Simultaneously, an announcement was made by state-run news agency Xhinhua that Ant Group has been summoned for meetings with a bevy of regulators. 

Ant was originally an offshoot of Alibaba and owns China’s biggest mobile payment app Alipay. Its massive IPO was recently shelved because of regulator concerns. The regulators that it has to meet with include the central bank, China Banking and Insurance Regulatory Commission (CBIRC), China Securities Regulatory Commission (CSRC), and State Administration of Foreign Exchange (SAFE).

In a statement, Ant said “We will carefully study and strictly abide by the requirements of the supervisory department, and complete the implementation of relevant work without compromise.”

The giant fintech has already made operational changes to comply with regulator concerns. Last week Alipay stopped taking fixed deposits from clients. 

Today, there are further reports that Ant’s Huabei platform with more than 100 million users has reduced loan quotas for some younger users to 2000 or 3000 yuan. It’s essentially a buy now, pay later platform, which started by targeting e-commerce but has since expanded. The Securities Times reports that Ant Group said it adjusted the quota to promote more rational consumption habits. Credit accounts for 39% of Ant’s revenues.

Ant is not alone. WeBank, an affiliate of WeChat owner Tencent, has slashed the loans available through its WeiDai app from 30,000 yuan to 20,000 yuan.

Meanwhile, today competition regulator SAMR republished an antitrust article from the state People’s Daily that elaborates on the Alibaba probe. It pointed to moves in both the United States and Europe that aim to reign in internet giants’ monopolistic practices.

The article concludes, “This investigation does not mean that the country’s attitude towards the encouragement and support of the platform economy has changed. It is precisely for the purpose of better regulating and developing the platform economy, guiding and promoting its healthy development.”

As we’ve previously reported, the launch of China’s digital yuan is in part a response to the dominance of Alipay and WeChat Pay in mobile payments.

Both Ant and WeBank are major players in the Chinese blockchain sector and Ledger Insights will exclusively publish their blockchain 2021 predictions over the coming days.

 

来自: Ledger Insights