本报记者 包慧 杭州报道

Our reporter BaoHui hangzhou reports

　　“阿里金融最快将于4月上线信用支付功能。”3月1日，阿里金融相关负责人王彤对本报表示，他同时强调，信用支付并非是支付宝或淘宝的产品，而是阿里金融继为阿里巴巴旗下的卖家推出阿里小贷之后，专门针对淘宝买家推出的信贷产品。

"Ali will launch April fastest financial credit payment functions."On March 1,,Ali said wang tong, head of financial related to this newspaper,He also stressed that,Credit payment is not pay treasure or taobao products,But ali financial following for alibaba's sellers launched ali after small loans,Specifically for taobao buyers of credit products.

　　3月1日同一天，阿里小贷的业务也扩张至广东，并将于年内覆盖全国小微企业密集地区。至此，阿里金融的产品实现对买家和卖家客户群的全覆盖。金融业务的衔枚疾进，显示出阿里巴巴集团在金融领域的扩张野心。

On March 1, the same day,Ali small credit business has expanded to guangdong,And will be covering the whole country in the years of small micro enterprise populated areas.At this point,Ali financial products for buyers and sellers customer base covers all.XianMei disease into financial business,Shows that alibaba group in the financial sector's expansion ambitions.

　　浙江湖南先试点 Zhejiang hunan first pilot

　　与外界认为挑战传统的银行信用卡不同，阿里金融推出信用支付实为抢滩移动支付。

Think that challenges the traditional bank credit card is different with the outside world,Ali financial credit payment actually break into the mobile payment.

　　据阿里金融介绍，公司将根据淘宝用户交易数据，对用户进行授信，额度初步确定在200元-5000元以内，信用额度可用于淘宝购物，免年费，用户可获得最长38天的免息期，还款日为用户生日，放款和还款都是通过支付宝通道。

According to financial ali,Company will be based on taobao user transaction data,The user is credit,Lines determined primarily within 200 yuan - 5000 yuan,Credit can be used to taobao shopping,Free of annual fee,User can get the longest 38 days grace period,Reimbursement for the user's birthday,Loan and payment by alipay channel.

　　尽管阿里金融强调信用支付功能是消费信贷，但由于该产品与银行信用卡高度类似，拥有授信额度和免息日、还款日，还是被视作淘宝人自己的“虚拟信用卡”。由于阿里巴巴集团拥有的庞大客户群和宝贵的数据库，阿里“虚拟信用卡”或将对传统银行造成一定冲击。

Although ali stressed financial credit payment function is the consumer credit,But due to the product with credit card of bank of similar height,With credit and interest-free days/reimbursement,Is seen as taobao's own"Virtual credit CARDS".Because of alibaba group, has a large customer base and valuable database,ali"Virtual credit CARDS"Or will cause certain impact to traditional Banks.

　　阿里巴巴称，该信用支付功能将只限制在无线客户端使用，暂不对PC客户端开放。

Alibaba said,The functions of credit payments will only limit in the wireless client use,Temporarily not to open the PC client.

　　“一方面，一个新产品上线肯定要小范围的试点，再推广，地域首批选在浙江和湖南两省试点。另外，我们也想借此扩大手机无线客户端的应用。”王彤称。无线支付是目前风头正劲的新型支付方式，包括银行和第三方支付机构都积极在此领域跑马圈地，阿里巴巴此举也是为布局移动支付抢夺先机。

"On the one hand,Launched a new product must be of a small scale pilot,To promote,Pilot area the first choice in zhejiang and hunan provinces.In addition,We also would like to take this to expand mobile phone wireless client applications."Wang tong said.Wireless payment is the new payment method is strength,Including Banks and third-party payment institutions have their active in this field,Alibaba is also for the layout of the mobile payment jockey.

　　信用支付看起来是三赢。客户在使用阿里“虚拟信用卡”透支购物后，如果在38天免息期内使用银行信用卡还款，则获得双重免息期。而在38天免息期之后的利率，阿里金融称尚待正式上线后确定。而对于淘宝商家来说，开通信用支付不需要任何费用，通过信用支付产生的交易量是增加销量的好手段。而对阿里巴巴而言，其信贷产品也扩大了客户群，实现了淘宝买家和阿里卖家的全覆盖。

Credit payment seems to be the three win.Customers in the use of ali"Virtual credit CARDS"Overdraft after shopping,If you use bank credit card repayment within 38 days grace period,Get double grace period.In 38 days grace period after the interest rate,Sure after financial said ali is yet to be officially launched.For taobao sellers,Open credit payment does not require any fees,Through the credit payment is a good way to increase sales volume.And for alibaba,Its credit products also expanded the customer base,Implements the taobao buyers and sellers of ali.

　　针对风险控制问题，阿里金融称，在底层设计上信用支付和阿里小贷是同一套班子，拥有类似的风控、模型和算法，“由于拥有详细而完备的客户历史交易信息，阿里小贷的不良率不到1%，风控水平不比商业银行差，信用支付也同样有良好的风控。”

In view of the risk control problem,Ali said the financial,Credit payments on the underlying design and ali small loans are the same team,With similar wind control/Model and algorithm,"With a detailed and complete customer historical transaction information,Ali small defective rate less than 1% of the loan,Wind control level is as good as commercial Banks,Credit payment is also good risk-control."

　　服务费：1%左右 Service charge:About 1%

　　信用支付功能将覆盖8000万支付宝客户，阿里金融称。2月28日，淘宝网卖家的信用支付功能已上线，目前已有130万家店铺默认开通该功能。所有开通信用支付功能的店铺，其商品页会出现相应的“信用支付”标识。

Will cover 80 million alipay customer credit payment function,Ali said the financial.On February 28,,Taobao sellers of credit to pay function has been launched,There are 130 shops opened this feature by default.All the shops open credit payment function,The page will appear the corresponding goods"Credit payment"logo.

　　这也是阿里巴巴的首个消费金融产品，其用途和覆盖范围远超过阿里小贷，盈利前景也将超过阿里小贷。

This is alibaba's first consumer financial products,The purpose and scope than ali small loans,Earnings prospects will be more than ali small loans.

　　“信用支付的前景好于阿里小贷，因为理论上来说信用卡的发卡规模越大违约率越小，而小额贷款就未必。”长期关注阿里金融的德弘资产总裁陈宇4日对本报称。 阿里金融将向签约接受信用支付的商户每笔信用支付收取服务费，费率大致与信用卡一致，淘宝和天猫均为1%，目前在优惠期费率为0.8%，开通信用支付则是免费。

"Credit pays better than ali the prospect of small loans,Because in theory, the smaller the issuing scale of credit card default rates,It may not and small loans."Long-term focus on financial DE hong asset President ali researh material - 11. 4, the newspaper said. Ali financial will pay to sign a credit merchant credit service charge payment on every deal,Rate is roughly in line with credit card,Taobao and day cat are all 1%,At present in the promotional rate is 0.8%,Open credit payment is free.

　　为吸引淘宝商铺开通该功能，阿里巴巴称未来将把用户数据开放共享给商户，并举例称信用支付将为商户带来约40%的交易量增长。淘宝网上的官方公告显示，以一个月交易量80万元的商铺为例，开通信用支付后，预计将增加32万元的月交易量，而以目前0.8%的优惠费率计，商户只需要额外支付2560元（32万×0.8%）。

To attract taobao shops opened the function,Alibaba said the future will be open the user data Shared with merchants,And for example say the credit payment will bring about 40% volume growth for merchants.Taobao's official announcement,The shops at $800000 a month, for example,After opened the credit payment,Is expected to increase 320000 yuan a month,But at the current 0.8% discount rate meter,Merchants need to pay an extra 2560 yuan only(320000 x 0.8%).

　　作为非金融机构，阿里集团并不具备吸储的功能，信用支付产品的资金来源则是来自合作的银行和其它金融机构。

As non-financial institutions,Ali group does not have the function that deposit-taking,Credit payment product source of funds is from the cooperation of Banks and other financial institutions.

　　尽管提供资金的合作银行可从中获得一定的费用，但由于银行自身信用卡业务的利润率逐渐被压缩，银行也面临提高信用卡利息收入占比的压力，其是否有长期动力提供给阿里金融资金尚待观察。

Although cooperation bank provides funds to earn a fee,But because of Banks credit card business profit margins is gradually compressed,Banks are under pressure to increase credit card interest income proportion,If it has a long-term motivation for ali financial capital remains to be seen.