傳螞蟻為消費者金融業務尋求300億人幣投資
據路透引述消息指,螞蟻集團正與其他股東洽商支持其消費者金融業務,並尋求額外300億元人民幣(下同)資金以滿足監管需求。報道指公司計劃將大部分微貸款業務帶入相關分部,以維持全國性營運,而日後擴張亦較容易,估計將涉1萬億元未償貸款。報道指假如股東拒絕增資,螞蟻計劃引入新的投資者,消息人士則指有股東要求更多上市前景的資訊,亦有股東希望將持股轉為更有可能上市的螞蟻金融控股。
螞蟻有兩門有利可圖的小微貸款業務,其中花唄的營運類似虛擬信用卡,借唄則提供短期消費者貸款,兩者合計貢獻公司去年上半年收入接近四成,不過在內地的新規下,除非獲新的牌照否則其營運將受限於重慶,而領牌過程或較漫長並存在不確定性。不過假如小微貸款業務在消費者金融分部內就不成問題,因為消費者金融企業可貸出註冊資本10倍的金額,而線上小微貸款企業槓桿僅2-3倍。
新的消費者金融企業「重慶螞蟻消金公司」於去年8月成立,但仍未獲業務牌照,消息人士指未完全滿足資本要求前監管機構不會輕易放行。
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