日前，有媒体报道称，阿里信用贷款即将面向阿里巴巴（以下简称阿里）普通会员全面放开。

a，Media reports said，Ali credit will face alibaba（Hereinafter referred to as the "ali）Ordinary members fully open。

　　昨日（8月27日），阿里方面向《每日经济新闻(博客,微博)》记者证实，阿里信贷目前只向江、浙、沪三地的普通会员开放，并非向所有会员开放。

yesterday（August 27,），Ali to《Daily economic news(blog,Micro bo)》Reporter confirmed，Ali credit at present only to jiang、zhejiang、Shanghai in the three common member open，Is not open to all members。

　　从阿里的小微信贷，到腾讯被传进军金融证券，再到平安、阿里、腾讯“三马”合卖保险，互联网企业正一步步朝着金融领域渗透。

From ali's small micro credit，To tencent was preached to financial securities，To peace、ali、tencent“SanMa”Close to sell insurance，The Internet enterprise is step by step toward the financial sector penetration。

　　电商观察家鲁振旺分析称，电商发展空间已经有限，相比之下金融的发展价值更大，但互联网企业“触金”关键要看国家政策。

Electric quotient observers LuZhenWang analysis says，Electric business development space has been limited，Compared with the development of more financial value，But the Internet enterprise“Touch gold”The key to see national policy。

　　小微信贷已运作两年 Small micro credit has been working for two years

　　在阿里的官方网站上，《每日经济新闻》记者看到，阿里金融放贷额度为5万~100万元；期限为12个月；贷款形式为循环贷+固定贷。

In ali's official website，《Daily economic news》The reporter sees，Ali financial lending limit for 50000 ~ 1 million yuan；Deadline for 12 months；In the form of a loan for cycle credit + fixed credit。

　　记者了解到，循环贷（更灵活）指获贷额度作为备用金，不取用不收利息，可随借随还，日利率万分之六左右，只算单利，不会利滚利。固定贷（更便宜）指获贷额度在获贷后一次性发放，日利率万分之五左右。申请者资格：阿里巴巴中国站会员或中国供应商会员，申请人为企业法定代表人或个体工商户负责人；工商注册地在上海市、浙江省内（除温州）、江苏省，且注册时间满2年，申请人近12个月总销售额不小于200万元。

The reporter understands，Cycle credit（More flexible）Refers to the amount of credit as a shot in the locker，Don't take not to receive interest，Can follow with also borrow，RiLiLv six over ten thousand or so，Only count simple interest，Not works by paying interest on interest。Fixed credit（cheaper）Refers to the amount of credit in the credit after one-time extend，RiLiLv five over ten thousand or so。The applicant qualification：Alibaba China members or member of Chinese suppliers，Applicant is a enterprise legal representative or individual and industrial and commercial door person in charge；Commerce registered in Shanghai、Zhejiang province（In addition to wenzhou）、Jiangsu province，And the registration time full two years，The applicant nearly 12 months total sales not less than 2 million yuan。

　　阿里信贷是阿里金融针对阿里电子商务平台小微企业开发的纯信用贷款产品。阿里金融方面表示，阿里的小微信贷早在2010年就已经开展相关业务，阿里拥有自己的小额贷款公司牌照，通过自有的两家小额贷款公司浙江阿里巴巴小额贷款股份有限公司和重庆阿里巴巴小额贷款股份有限公司进行运作，至今运作已有两年多。

Ali credit is ali financial for ali e-commerce platform small micro enterprise development of pure credit loan products。Ali financial said，Ali's small micro credit as early as in 2010 will have to carry out relevant business，Ali has its own small loan company licence，Through the own two small loan companies zhejiang alibaba small loan co., LTD., and chongqing alibaba small loan co., LTD. For operation，So far operation for two years。

　　“小微企业、个体工商业者的融资需求异常旺盛，而现有的微贷技术、微贷服务理念显然都不是把他们当做目标客户”，在阿里金融负责人王彤看来，小微企业、个人创业者融资额度不高，但对融资的效率、门槛要求却明显不同于其他企业，只有创新微贷技术，才能有效满足小微企业的信贷需求。

“Small micro enterprise、Individual businessmen financing demand anomaly exuberant，While the existing micro credit technology、Micro credit service concept are obviously not of them as target customers”，In ali financial chief wang tong looks，Small micro enterprise、Individual entrepreneurs financing limit is not high，But on the financing efficiency、Threshold requirement is obviously different from other enterprise，Only innovation micro credit technology，To be effective to meet small micro enterprise credit demand。

　　据王彤介绍，开发新型微贷技术，阿里金融投入了巨大的资源。阿里金融现有员工接近300人，其中，仅和互联网相关的技术人员就占半数。大量投入之后，阿里金融已经逐渐摸索出一条数据加互联网的新型微贷技术创新之路。

According to wang tong is introduced，Development of new micro credit technology，Ali financial into a huge resources。Ali financial existing staff of nearly 300 people，the，Only and the Internet related technical personnel is half。After a large number of investment，Ali financial has gradually fish out a data and Internet new micro credit technology innovation。

　　据悉，截至2012年中，阿里金融累计为超过13万家小微企业、个人创业者提供融资服务。

It is reported，Up to 2012 years，Ali financial accumulated for more than 13 to thousands of small micro enterprise、Individual entrepreneurs to provide financing service。

　　“13万仅占国内4000万小微企业的0.3%不到，除了客户数，阿里金融在信贷规模上仍属于"小"字辈”王彤表示，阿里金融新型微贷技术为当前解决小微企业融资难提供了另一种途径，但仍有很长的路要走，“阿里金融自身的发展就需要克服很多困难，譬如开发新型微贷技术的人才短缺，小额贷款公司身份不明确，资本金限制等”。

“130000 accounted for only 40 million domestic small micro enterprise of less than 0.3%，In addition to the customer number，Ali financial in the credit scale is still belongs to"small"Word generation”Wang tong said，Ali financial new micro credit for the current technology to solve small micro enterprise financing difficult provides another way，But there is still a long way to go，“Ali financial own development need to overcome a lot of difficulties，Such as the development of new micro credit technology talent shortage，Small loan companies identity is not clear，Restrictions on capital”。

　　全面开放暂未定 Comprehensive open temporary pending

　　将阿里信用贷款向普通会员开放，在外界看来，这是阿里金融新型微贷技术成熟后，加大其在小微企业信贷领域投入的信号。

Will ali credit loans to the general member open，In the outside world seems to，This is ali financial new micro credit after mature technology，The increase in small micro enterprise credit field input signal。

　　王彤证实，未来阿里金融会更多地将所掌握的微贷技术投向小微企业群。

Wang tong confirmed，The future ali financial will more will master the micro credit technology to small micro machinery-electronics intergration。

　　和当前多数金融机构采用的传统信贷方式不同，阿里金融尝试利用互联网进行信贷创新，通过网络发展微贷技术，即利用网络低成本广泛采集客户的各类数据信息，通过数据挖掘分析判断客户资质，提供365天×24小时不间断服务。重视数据而不是担保、抵押，降低了小微企业融资的门槛。而借助网络，减少人工参与，不仅简化了小微企业融资环节，也使得阿里金融可以同一时间为大批量的小微企业提供服务。

And the current most financial organizations to adopt different ways of traditional credit，Ali financial try to use the Internet to credit innovation，Through the network development micro credit technology，It is using network low cost widely collecting customer information of all kinds of data，Through the data mining analysis judgment customer qualification，Offer a 365 - day x 24 hour uninterrupted service。Pay attention to data and not guarantee、mortgage，Reduce the small micro enterprise financing threshold。And with the aid of network，Reduce artificial participation，Not only simplified the small micro enterprise financing link，Also makes ali financial can at the same time for large quantities of small micro enterprise to provide services。

　　兴业银行(601166,股吧)首席经济学家鲁政委认为，阿里的尝试很有意义，但其只能向网内的客户拓展，无法将触角伸向网外。

Societe generale(601166,guba)Chief economist lu zhengwei think，Ali's try very meaningful，But the only to network in customer development，Can't the antenna reach network。

　　尽管如此，有专家认为，正是由于新型微贷技术符合国内小微企业融资的特性，所以使得小微企业原本挤压的融资需求在短期内迅速释放，带动阿里金融业务数据的急剧攀升。

Even so，Some experts think the，It is because of the new micro credit technology in domestic small micro enterprise financing characteristics，So make small micro enterprise originally extrusion financing demand release quickly in a short period of time，Drive ali financial business data rise sharply。

　　根据阿里金融统计，2012年上半年，阿里金融累计向小微企业投放贷款130亿元。由170万笔贷款组成，日均完成贷款接近1万笔，平均每笔贷款额度仅为7000元。

According to ali financial statistics，In the first half of 2012，Ali financial accumulated to small micro enterprise on the loans 13 billion yuan。By 1.7 million loan composition，Finish daily loan close to 10000 pen，An average loan amount is 7000 yuan only。

　　鲁政委认为，按照现在的信贷模式和效率，要在半年内完成170万笔贷款，几乎不可思议。至于每笔仅7000多元的贷款额度，这更脱离人们对于小微企业信贷的固有认识，“别说每笔7000元，即使7万元，这样的业务也没有几家金融机构看得上眼，谁不愿意去做单笔几百万、几千万的贷款，不仅省力，收益还高”。

Lu zhengwei think，According to the present credit mode and efficiency，Within half a year to complete 1.7 million loan，Almost incredible。As for each only 7000 yuan loans，This more from people for small micro enterprise credit inherent understanding，“Don't say each 7000 yuan，Even if 70000 yuan，Such business also have no a few financial institutions KanDeShang eye，Who is willing to do single pen millions、Tens of millions of loan，Not only save Labour，Income is still high”。

　　据悉，从2010年开始自营小额贷款业务以来，阿里金融累计投放贷款金额已达280亿元。上半年，阿里金融新增的获贷小微企业达4万家,占到阿里金融过往服务小微企业总量的一半。

It is reported，Begin from 2010 operating small loans since the business，Ali financial accumulated on the loan amount has reached 28 billion yuan。In the first half of，Ali financial new won credit small micro enterprise of 4,Account for ali financial past service small micro enterprise half of total。

　　至于今后是否会面向全国的普通会员开放，要根据阿里金融的发展规划和国家监管政策来定，阿里相关人士表示。

As for whether the future will be facing the whole country of ordinary member open，According to the development of ali financial planning and the national regulation policy to set，Ali relevant personage says。

　　互联网企业集体“触金” The Internet enterprise group“Touch gold”

　　早在2007年6月，阿里与建设银行(601939,股吧)、工商银行(601398,股吧)合作共推小企业贷款，小企业不需要任何抵押，由3家或3家以上企业组成一个联合共同体即可申请贷款。2009年9月，阿里集团又与格莱珉银行信托基金携手开展格莱珉中国项目，向居民提供小额信贷金融服务。

As early as in June 2007，Ali and construction bank(601939,guba)、Industrial and commercial bank of(601398,guba)Cooperation common push small business loans，Small businesses don't need any mortgage，By three or more than three enterprises to form a joint community can apply for loans。In September of 2009，Ali group and the grameen bank trust fund to carry out grameen China project，To provide microfinance financial services。

　　阿里金融总经理胡晓明在接受媒体采访时曾表示，原先他的梦想是通过银行的资源，为银行和阿里平台上的小企业牵线搭桥，但由于和银行信贷理念上存在根本差异，这个想法并未实现。

Ali HuXiaoMing financial general manager, when being interviewed by the media has said，The original his dream is through the bank's resources，For Banks and ali platform of small business matchmaking bypass，But because the bank credit concept and the fundamental differences，The idea did not realize。

　　鲁振旺对此表示，阿里前几年曾提出过想做阿里银行，后被央行否决。如果国内的信贷体系较完善的话，阿里的生存空间就比较有限。

LuZhenWang expressed，Ali has offered a few years ago to do ali bank，After the central bank veto。If the domestic credit system more perfect words，Ali's living space is limited。

　　据《每日经济新闻》记者了解，早在2010年浙江阿里巴巴小额贷款股份有限公司获得国内首张电子商务领域的小额贷款公司营业执照时，此举就被一些分析人士看作是阿里集团进军金融业的重要标志。

According to《Daily economic news》The reporter understands，As early as in 2010 zhejiang alibaba small loan co., LTD., win the domestic first in the electronic commerce field small loans when the business license of the company，It was some analysts as ali group into an important symbol of the financial industry。

　　从阿里的小微信贷、腾讯被传进军证券金融资讯行业，再到中国平安(601318,股吧)、阿里、腾讯三方合作试水互联网金融，互联网企业正一步步朝着金融领域渗透。

From ali's small micro credit、Tencent was preached to securities financial information industry，To China's peace(601318,guba)、ali、Tencent tripartite cooperation test the waters of the Internet financial，The Internet enterprise is step by step toward the financial sector penetration。

　　鲁振旺分析称，电商体系发展空间已经有限，相比之下金融的发展价值更大，但互联网企业“触金”关键要看国家的政策。

LuZhenWang analysis says，Electric business system development space has been limited，Compared with the development of more financial value，But the Internet enterprise“Touch gold”The key depends on the policy of the country。