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在瞬息万变的互联网领域,谁也不敢小觑“入门级”的银行系电商的潜力“如果银行不改变,我们就改变银行。”几年前,中国电商巨头阿里巴巴集团CEO马云曾发出如此豪言壮语。事实证明,此绝非戏言。2007年阿里巴巴与建设银行合作推出面向小微企业贷款的阿里巴巴金融(AliLoan),由建行提供资金、阿里则利用其庞大的用户信息库寻找贷款者,取得了较好的业绩。2010年合约期满后,阿里巴巴开始独立运作阿里金融,至2012年8月,共向13万家小
In the ever-changing Internet, nobody dares to underestimate the potential of “entry-level” banks as e-commerce providers. “If banks do not change, we change banks.” A few years ago, Chinese e-commerce giant Alibaba Group CEO Ma Yun has issued such a rhetoric. Facts have proved that this is by no means a joke. In 2007, Alibaba and China Construction Bank jointly launched AliLoan, a small and micro-enterprise loan, financed by China Construction Bank. Ali is using its vast user information base to find lenders and achieved good results. After the expiration of the 2010 contract, Alibaba started to operate Ali Financial independently. As of August 2012, altogether 130,000 small