阿里金融即将在4月中旬推出信用支付业务的消息如同一枚石子投入水中，在银行里激起一片涟漪。

Ali is about to launch in the middle of April financial credit payment message as a stone into the water,A ripple in the bank.

　　一家股份制银行信用卡市场业务部总经理对《经济观察报》坦言，这几天业务部门都在讨论此事，我们担忧的是，如果支付宝选择用自己的资金，或者与部分银行合作，对没有加入合作的银行都将会是一个正面的挑战。

A joint-stock bank department general manager of the credit card market[Economic observer]admitted,All business these days is to discuss the matter,We worried about,If pay treasure to choose their own money,Or cooperate with some Banks,For Banks that are not in cooperation is going to be a positive challenge.

　　3月6日下午，阿里金融事业群总裁胡晓明公开表示，此次推出的信用业务会选择与银行进行合作。他呼吁，欢迎更多的银行参与合作，但是并未公开合作的银行名单与细节。

On March 6 in the afternoon,Finance enterprise group President ali Hu Xiaoming said publicly,The launch will choose to cooperate with the bank's credit business.He called for,Welcome more Banks to participate in the cooperation,But have not been made public bank list and the details of cooperation.

　　据本报多方采访获悉，包括招行、平安等股份制银行都有意向与阿里金融安排会谈，商谈合作事宜。平安银行(000001,股吧)副行长谢永林对《经济观察报》表示，我们在积极跟进准备。

According to our interview has learned,Including bank/Safe and joint stock Banks have intention to talks with ali financial arrangements,To discuss cooperation matters.Ping an bank(000001,stocks)Deputy governor Xie Yonglin right[Economic observer]said,We are actively follow up.

　　一家大型股份制银行高层人士表示，“两三年前，我们就意识到阿里有做信用卡业务的能力，这个时点推出一点也不突然和新奇，但银行这些年也没有闲着，我们一直在做数据挖掘整合的事情。”

A large joint-stock bank executives said,"Two or three years ago,We realize that ali has the ability to do the credit card business,This point did not suddenly and novelty,But the bank over the years have not been idle,We have been do the integration of data mining."

　　联手银行推信用支付 Teamed up with bank credit payment

　　阿里金融此次推出的信用支付，是根据用户在淘宝和天猫的交易和消费记录，向用户提供1元~5000元的信用，用于淘宝和天猫购物消费，随着客户信誉好，信用额度会逐步累积。

The launch of financial credit payment ali,Cat is according to the user in taobao and day record trade and consumption,To provide customers with credit 1 yuan ~ 5000 yuan,For taobao and day cat shopping consumption,With good customer credibility,Credit limit will be accumulated gradually.

　　这意味着，阿里客户在淘宝上购买商品时，可以不用捆绑银行信用卡或借记卡，直接通过阿里金融给出的信用额度进行支付，可享受38天的免息期。这一业务与银行信用卡高度相似。

This means that,Ali customers buy goods on taobao,Don't have to bind credit card or bank debit card,Directly through the ali financial give credit for payment,You will enjoy 38 days grace period.A business with a bank credit card is highly similar.

　　据阿里金融介绍，信用支付将仅在手机端发布，4月中旬会在浙江、湖南两地先开放，未来将会拓展到全国。之所以选择这两个城市作为试点的样本，是因为一个代表开放的沿海城市，一个是相对保守的中部城市。“为我们下一步整个开放做好参照。”胡晓明说。

According to financial ali,Credit payment will be released only on the mobile end,In mid-april in zhejiang/Hunan first open,The future will expand to the whole country.Chose these two cities as pilot sample,Because a representative open coastal cities,A central city is relatively conservative."The next open for us reference."Hu Xiaoming said.

　　阿里金融宣称，信用支付业务是为了推动无线支付（手机、PAD）的应用场景更加快捷。相比银行在PC端的互联网支付场景，移动互联网的发展相对落后，通过支付宝绑定手机银行成功率仅有38%。

Ali financial claims,Credit business is to promote the wireless payment(Mobile phone/pad)Application scenario for the faster.Compared with the Banks pay scenario in the PC to the Internet,The mobile Internet development is relatively backward,Through alipay binding mobile banking success rate is only 38%.

　　与阿里金融做小额贷款的理念相同，胡晓明说，“我们就喜欢为这些小生意，喜欢为10块钱、100块钱这样的小生意来提供服务。我们就希望去挖掘这些存在于中国网民中非常好的这种信用，相信淘宝的用户和支付宝的用户，让信用变成财富。”

The same as ali financial do the concept of microcredit,Hu Xiaoming said,"We would like for these small businesses,Like for 10 dollars/100 yuan of the small businesses to provide services.We hope to tap into that very good in Chinese Internet users in the this credit,Believe that taobao users and alipay,Credit into wealth."

　　过去几年，阿里巴巴与银行之间的企业贷款合作由于信贷理念等问题产生嫌隙，与建行等大行在企业贷款上的合作逐渐减少，近年来阿里巴巴这个平台上的中小企业更多地通过阿里金融自己成立的小额贷款公司。

Over the past few years,Alibaba business lending between Banks and cooperative credit problems, such as the idea generation grudges,Co-operation with CCB and top of the corporate loans gradually reduce,Alibaba on the platform of small and medium-sized enterprises in recent years more to finance themselves through ali established microcredit company.

　　有意思的是，在信用支付业务阿里金融却主动向银行招手合作，而支付宝8000万客户的在线交易数据也的确吊足了更多银行的胃口。

It is interesting,In financial credit payment ali has waved to bank cooperation actively,And the pay treasure to 80 million customers online transaction data is really appetizing appetite more Banks.

　　事实上，国内银行信用卡业务跑马圈地多年，拥有最大发卡量的工行信用卡数也只有7000多万，最早开拓信用卡的招行发卡量为4000多万，这其中活跃用户仅仅40%不到，而支付宝却拥有8000多万的活跃个人客户。

In fact,,Their domestic Banks credit card business for many years,Has become the largest icbc credit card number is only more than 7000,The earliest development of CMB credit card hairpin quantity is more than 4000,The active users only less than 40%,While alipay has more than 8000 active individuals.

　　平安银行副行长谢永林表示，下周将会与信用卡部门高管商谈此事，积极拓展该事宜。招行相关部门负责人士也透露，正在与阿里沟通，近期会安排会谈，有合作的愿望，但合作的诸多细节还需要详谈。

Ping an bank deputy governor Xie Yonglin said,Executives to discuss next week will be with credit card department,Actively expand the issue.Action travel related department responsible person also said,Are communication with ali,Recently will arrange meeting,Have the desire of the cooperation,But many details need to discuss cooperation.

　　在合作意愿下，银行更为关心的是盈利模式。胡晓明表示，在完成信用支付消费的过程中，阿里金融收取商户1%佣金。如果商家不支持信用支付的，根据消费者需求，阿里金融暂定收取支付宝用户千分之八的手续费。无论哪种方式，合作银行将和阿里金融按比例分成。

Under the cooperation intention,Banks are more concerned about the profit model.Hu Xiaoming said,In the process of credit consumption paid up,Ali financial charge 1% merchant commission.If the business does not support the credit payment,According to consumer demand,Ali financial tentative eight over one thousand of alipay user fee.Either way,Cooperative Banks and ali financial scale into.

　　谢永林认为，从表面的账上来看，商户交纳的1%佣金中，银行拿其中部分利率分成，但更多的利益细节肯定还要再商谈。

Xie Yonglin think,From the surface of the account,Merchants pay 1% commission,Take some of the interest rate is divided into bank,But more the interests of the affirmation again to talk about details.

　　胡晓明估计该业务第一年规模在4亿-5亿之间，这是一个很小的量，但是笔数很多，户均可能为200~300元。上述股份制银行信用卡市场业务部总经理表示，以该业务发展速度，支付宝选择与银行合作，还有可能是自由资金规模受限的原因。

Hu Xiaoming estimated the scale of business in the first year of between 400 million - 500 million,This is a very small amount,But there were so many number,As 200 ~ 200 worth 300 yuan.The joint-stock bank credit card market sales department general manager said,To the business development speed,Pay treasure to choose cooperate with Banks,There may be the cause of freedom limited funds.

　　银行较劲 Banks compete

　　尽管存在合作意愿，但银行对阿里金融并非没有担忧和“微词”。

Despite the cooperation intention,But the Banks of financial is not without fears and ali"happy".

　　一家股份制银行信用卡市场业务部总经理坦言，这几天业务部门都在讨论此事，银行担忧的是，如果支付宝选择用自己的资金，或者与部分银行合作，对没有加入合作的银行将会是一个正面挑战。其所在的银行信用卡部还没有做出合作的决定，先观望其他银行与支付宝的合作成效。“支付宝有8000多万客户，早就有资格做信用支付，如果不是支付宝，也会有别人来做，但银行做金融产品都要受到监管，有监管成本，如果支付宝做的是金融机构的事，信用支付从法规角度来说是否能做？银行不排斥竞争，但更希望在公平竞争的情况下进行市场化。”上述股份制银行高层人士称。“事实上之所以仅选择手机支付作为试点，因为支付和信用是巨大的工程，支付宝不想让所有的银行都变成竞争对手，在手机支付上率先试点是有限度的局部的"战争"。”上述股份制银行高层人士认为。

A joint-stock bank department general manager said the credit card market,All business these days is to discuss the matter,Bank is of concern,If pay treasure to choose their own money,Or cooperate with some Banks,For Banks that are not in cooperation is going to be a positive challenge.Its bank credit card department hasn't made the decision of cooperation,Wait other bank and pay treasure the cooperation effect."Alipay has more than 8000 customers,Have qualified for credit payment,If not pay treasure,There will be someone else to do,But bank financial products should be regulated,There are regulatory costs,"If alipay is the business of financial institutions,Credit payment from a regulatory perspective whether can do?Bank does not exclude competition,But more hope in the case of fair competition in market."The joint-stock bank executives said."In fact only mobile payment options as a pilot,Because the payment and credit is a huge project,Alipay don't want to let all the Banks become rivals,In the mobile payment first pilot there is a limit to local"The war"."The joint-stock bank executives said.

　　谢永林表示，支付宝的信用支付是根据交易记录和资金流向给客户提供一定的授信额度，但事实上，银行信用卡一直在做的业务就是如此，我们根据客户是否有购买车子、寿险或者其他产品，或者网银交易的数据分析，在客户许可的前提下，对客户信息做整合，主动给客户授信。不同的是，支付宝的优势是有海量客户和频繁交易数据，这对银行信用卡业务肯定是有冲击的。

Xie Yonglin said,Alipay, credit payment is according to the transaction records and money flows to the customer provide a certain amount of credit line,But in fact,Have been doing business of credit card of bank of is,We according to the customer to see if there is to buy the car/Life insurance, or other products,Or online banking transaction data analysis,Under the premise of the customer license,Integration of customer information,Initiative to the customer credit.The difference is,Alipay has the advantage of mass clients and frequent trading data,This is definitely have impact on bank credit card business.

　　上述股份制银行高层人士也坦言，过去由于相关部门提供的商户、交易数据质量不高导致创新不足，但银行内部一直很明白数据的重要性，这几年并没有闲着，我们也一直在做数据挖掘整合的事情。我们行近几年招的多数员工都是学习计算机和经济学的，来弥补这部分的不足。当然互联网也并非仅仅只有支付宝，还有更多的电商可以合作。“对银行来说，我们其中一个准备是要合作，其次我们自身也要锻炼这种能力，在电子商户的支付交易上要有数据挖掘的能力，银行也一直在做这方面准备，推出各种金融产品和交易组建自己的数据，更加主动配置消费信贷和分期服务。”谢永林表示，同样在手机支付领域，银行只有做到了最便捷最快速，“新技术改变传统，不改变就会被淘汰。”

The joint-stock bank executives also said,Due to the related department to provide merchants in the past/The poor quality of transaction data lead to lack of innovation,But the interior of the bank has been very understand the importance of the data,In recent years is not idle,We have been do the integration of data mining.We line in recent years for most of the staff is learning computer and economics,To make up for the lack of this part.Of course the Internet is not only the alipay,There are many more electricity business can cooperation."For Banks,One of our preparation to cooperation,Secondly we also want to exercise the ability,Trading in electronic merchants pay should have the ability of data mining,Banks also have been doing this aspect,Introduced all kinds of financial products and trading their own data,More active configuration consumer credit and installment service."Xie Yonglin said,Also in the field of mobile payment,Only do the most convenient and fast,"New technology to change traditional,No change will be eliminated."

　　尽管马云在公开场合多次强调，阿里巴巴集团不会办银行，也不会成为银行。但上述股份制银行高层人士则认为，银行业交流时对阿里的未来丝毫不怀疑，阿里金融下一步，是有限经营范围的银行，第二步是全牌照的银行，这甚至都不以马云意志为转移，而是以PE或VC等资本的意志为转移。“与狼共舞，与敌同眠”。双方是既竞争又合作的关系，上述股份制银行高层如是说，“市场是开放的，银行欢迎阿里的竞争，我们倒更希望监管加速对阿里巴巴明确清晰的界定，作为一个金融机构与银行来较量，只要事情是公平的，便没什么可抱怨的。”

Although ma stressed several times in public,Alibaba won't do the bank,Nor are they a bank.But the joint-stock bank executives say,Banking when communicating to ali's no doubt that in the future,Ali financial next,Is a limited scope of business of the bank,The second step is the licence of the bank,It doesn't even for Mr Ma will transfer,But for capital such as PE or VC's will."Dances with wolves,Sleep with enemy".Is both competition and cooperation relationship,The joint-stock bank executives said,"The market is open,Bank welcome ali's competition,We'd prefer to regulation speed on alibaba clear defined,As a financial institution to fight with the bank,As long as things are fair,Then there is nothing to complain about."