蚂蚁金服限制其消费贷款产品利率
<p><span word="Alibaba">Alibaba</span>’<span word="s">s</span> <span word="finance">finance</span> <span word="affiliate">affiliate</span> <span word="has">has</span> <span word="banned">banned</span> <span word="consumer">consumer</span>-<span word="loan">loan</span> <span word="products">products</span> <span word="that">that</span> <span word="charge">charge</span> <span word="annual">annual</span> <span word="interest">interest</span> <span word="rates">rates</span> <span word="above">above</span> 24 <span word="per">per</span> <span word="cent">cent</span> <span word="from">from</span> <span word="its">its</span> <span word="marketing">marketing</span> <span word="platform">platform</span>.</p><p>阿里巴巴(<span word="Alibaba">Alibaba</span>)旗下金融公司已禁止其营销平台上入驻的消费贷款产品的年化综合费率超过24%。</p><p><span word="The">The</span> <span word="step">step</span> <span word="is">is</span> <span word="the">the</span> <span word="latest">latest</span> <span word="sign">sign</span> <span word="of">of</span> <span word="how">how</span> <span word="tighter">tighter</span> <span word="regulation">regulation</span> <span word="is">is</span> <span word="reshaping">reshaping</span> <span word="China">China</span>’<span word="s">s</span> <span word="once">once</span>-<span word="freewheeling">freewheeling</span> <span word="internet">internet</span> <span word="lending">lending</span> <span word="industry">industry</span>. <span word="Online">Online</span> <span word="consumer">consumer</span> <span word="lending">lending</span> <span word="has">has</span> <span word="boomed">boomed</span> <span word="over">over</span> <span word="the">the</span> <span word="past">past</span> <span word="year">year</span>. <span word="Small">Small</span>-<span word="loan">loan</span> <span word="companies">companies</span> <span word="that">that</span> <span word="lend">lend</span> <span word="online">online</span> <span word="using">using</span> <span word="their">their</span> <span word="own">own</span> <span word="capital">capital</span> <span word="have">have</span> <span word="largely">largely</span> <span word="replaced">replaced</span> <span word="peer">peer</span>-<span word="to">to</span>-<span word="peer">peer</span> <span word="lenders">lenders</span> <span word="as">as</span> <span word="the">the</span> <span word="main">main</span> <span word="source">source</span> <span word="of">of</span> <span word="online">online</span> <span word="consumer">consumer</span> <span word="and">and</span> <span word="small">small</span>-<span word="business">business</span> <span word="loans">loans</span>, <span word="following">following</span> <span word="a">a</span> <span word="regulatory">regulatory</span> <span word="crackdown">crackdown</span> <span word="on">on</span> <span word="P">P</span>2<span word="P">P</span>.</p><p>此举进一步显示出，更严格的监管正在重塑中国一度不受拘束的网贷行业。过去一年网络消费贷款得到了蓬勃发展。随着个人对个人(<span word="P">P</span>2<span word="P">P</span>)贷款受到监管整顿，那些利用自有资金进行网上借贷的小额贷款公司已基本取代<span word="P">P</span>2<span word="P">P</span>，成为网络消费者和小企业贷款的主要来源。</p><p><span word="Ant">Ant</span> <span word="Financial">Financial</span>, <span word="Alibaba">Alibaba</span>’<span word="s">s</span> <span word="finance">finance</span> <span word="affiliate">affiliate</span>, <span word="offers">offers</span> <span word="its">its</span> <span word="own">own</span> <span word="consumer">consumer</span> <span word="loans">loans</span> <span word="but">but</span> <span word="also">also</span> <span word="distributes">distributes</span> <span word="loans">loans</span> <span word="from">from</span> <span word="other">other</span> <span word="companies">companies</span> <span word="through">through</span> <span word="Alipay">Alipay</span>, <span word="its">its</span> <span word="online">online</span> <span word="and">and</span> <span word="mobile">mobile</span> <span word="payments">payments</span> <span word="service">service</span>. <span word="The">The</span> <span word="move">move</span> <span word="to">to</span> <span word="delist">delist</span> <span word="high">high</span>-<span word="interest">interest</span> <span word="loans">loans</span> <span word="from">from</span> <span word="Alipay">Alipay</span>’<span word="s">s</span> “<span word="Lifestyle">Lifestyle</span>” <span word="platform">platform</span> <span word="comes">comes</span> <span word="days">days</span> <span word="after">after</span> <span word="a">a</span> <span word="multi">multi</span>-<span word="agency">agency</span> <span word="task">task</span> <span word="force">force</span> <span word="on">on</span> <span word="internet">internet</span> <span word="finance">finance</span> <span word="suspended">suspended</span> <span word="issuance">issuance</span> <span word="of">of</span> <span word="new">new</span> <span word="licences">licences</span> <span word="for">for</span> <span word="online">online</span> <span word="consumer">consumer</span> <span word="loan">loan</span> <span word="companies">companies</span>.</p><p>阿里巴巴旗下金融公司蚂蚁金服(<span word="Ant">Ant</span> <span word="Financial">Financial</span>)除拥有自己的消费贷款业务外，也让其他企业通过其在线和移动支付服务支付宝(<span word="Alipay">Alipay</span>)发放贷款。就在此次支付宝“生活号”平台下架高利贷商家的几天前，互联网金融风险专项整治工作领导小组办公室下发文件，要求暂停批设网络小额贷款公司。</p>
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