传蚂蚁为消费者金融业务寻求300亿人币投资
据路透引述消息指,蚂蚁集团正与其他股东洽商支持其消费者金融业务,并寻求额外300亿元人民币(下同)资金以满足监管需求。报道指公司计划将大部分微贷款业务带入相关分部,以维持全国性营运,而日後扩张亦较容易,估计将涉1万亿元未偿贷款。报道指假如股东拒绝增资,蚂蚁计划引入新的投资者,消息人士则指有股东要求更多上市前景的资讯,亦有股东希望将持股转为更有可能上市的蚂蚁金融控股。
蚂蚁有两门有利可图的小微贷款业务,其中花呗的营运类似虚拟信用卡,借呗则提供短期消费者贷款,两者合计贡献公司去年上半年收入接近四成,不过在内地的新规下,除非获新的牌照否则其营运将受限於重庆,而领牌过程或较漫长并存在不确定性。不过假如小微贷款业务在消费者金融分部内就不成问题,因为消费者金融企业可贷出注册资本10倍的金额,而线上小微贷款企业杠杆仅2-3倍。
新的消费者金融企业「重庆蚂蚁消金公司」於去年8月成立,但仍未获业务牌照,消息人士指未完全满足资本要求前监管机构不会轻易放行。
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