Introduction to the model of Ali Finance, what does Ali Finance do?

The innovative practice of Ali Micro Loan began in June 2010, and ushered in the first small and micro enterprise to receive a loan for Ali Micro Loan, which was the first order loan. The new micro-loan technology developed by Alibaba Microfinance is the key to solving the financing of small and micro enterprises, and data and network are the core of this micro-loan technology.

Ali Microfinance takes advantage of its natural advantages, that is, the credit data and behavioral data accumulated by customers on e-commerce platforms such as Alibaba B2B, **, Alipay, etc., introduces the network data model and the first-class credit investigation model, confirms the authenticity of customer information through cross-examination technology supplemented by third-party verification, and maps the customer's behavior data on the e-commerce network platform to the credit evaluation of enterprises and individuals, and issues "small amounts, short terms, and borrow and repay as you go".

At the same time, Alibaba's micro-loan technology also attaches great importance to the use of Internet technology. Among them, the computing of a large amount of data of small and micro enterprises relies on the cloud computing technology of the Internet. The micro-loan technology of Alibaba Micro-Loan contains a large number of data models, which require the use of large-scale integrated computing, and through a large amount of data calculation in the process of micro-loan technology, it is necessary to determine whether there is a correlation between buyers and sellers, whether there is speculation on credit, the size of the probability of risk, and the concentration of transactions.

It is the application of large-scale cloud computing technology that enables Ali Microfinance to call such a huge amount of data to judge the credit of small and micro enterprises. It not only ensures its safety and efficiency, but also reduces the operating costs of Ali Microloan.

In addition, the use of the network also simplifies the procedures and links of financing for small and micro enterprises, and can provide 365*24 all-weather financial services to small and micro enterprises, and makes it a reality to provide financial services to a large number of small and micro enterprises at the same time. This is also in line with the characteristics of a large number of small and micro enterprises in China and a strong demand for financing. With the help of the Internet, Ali Microfinance supports daily interest calculation and repayment at any time in the product setting, which facilitates small and micro enterprises to effectively control financing costs, improves their own capital operation efficiency, and enables them to provide financing services for more small and micro enterprises within limited resources.

On Alibaba's B2B e-commerce platform, Chengxintong (China station users) or China ** business members (international station users) can apply without providing a guarantee. The credit line shall be approved after a comprehensive evaluation of the applicant's credit status, credit risk and credit demand.

Alibaba Finance provides microfinance and other businesses for small and micro enterprises and individual entrepreneurs.

Ali Finance's business:

1. ** (Tmall) order loan.

**(Tmall) Sellers apply for loans in the name of individuals (enterprises) with orders in the store that are in the status of "Tanxun Seller has shipped, and the buyer has not confirmed the receipt", and the system will evaluate these orders, calculate the maximum loan amount that can be applied for within the total amount of orders that meet the conditions, and issue loans.

2. ** (Tmall) credit loan.

(Tmall) Line of Credit is offered to store owners (Tmall merchants) without collateral or guarantee. The system automatically approves the credit line after comprehensively evaluating the applicant's credit status, credit risk and credit demand.

3. ** (Tmall) Juhuasuan special loan.

Taohanliang This treasure (Tmall) Juhuasuan special loan is provided to ** (Tmall) sellers who participate in Juhuasuan activities. If the seller successfully participates in the Juhuasuan activity, the system will give a comprehensive evaluation according to the operation status of the seller's store and the attributes of the participating products before freezing the deposit, and the maximum credit limit can be applied for is 1 million. The special loan can only be used to freeze the use of Juhuasuan's deposit.

At the just-concluded Alibaba Cloud Developer Conference, Alibaba Cloud's cloud computing products such as open storage services, cloud servers, relational databases, and load balancers were officially unveiled, covering different fields of cloud computing.

A financial investment company is an investment company that makes equity investment in financial enterprises, exercises the rights of investors and fulfills the obligations of investors in financial enterprises in accordance with the law to achieve the preservation and appreciation of financial assets, and can also be understood as a kind of financial intermediary, which concentrates the funds of individual investors and invests in many ** or other assets.

It's not just about Ali Credit Loans.

Alibaba Finance is an independent business group responsible for microfinance business under Alibaba, which mainly includes two business segments: Alibaba Loan and ** Loan.

Ali Loan is mainly for small and micro enterprises on the B2B platform, and the main product is Ali Credit Loan**Loan is mainly for sellers on ** and Tmall, providing two types of loan products: order and credit.

Alibaba Finance's business model is very different from that of traditional banks, relying more on the Internet and data than on guarantees and mortgages.

This model is also regarded as the main representative of Internet finance by the outside world.

According to published data, as of mid-2012, Alibaba Finance has provided financing services to more than 130,000 small and micro enterprises.

Ali Finance, also known as Ali Micro Loan, is the Micro Loan Division of the Small and Micro Financial Services Group (in preparation), which mainly provides microcredit and other businesses for small and micro enterprises and individual entrepreneurs. At present, Alibaba Finance has set up an Ali loan business group for small and micro enterprises on Alibaba's B2B platform, and a loan business group for small and micro enterprises and individual entrepreneurs on the Tmall platform, and has launched micro-loan products such as ** (Tmall) credit loan, ** (Tmall) order loan, and Ali credit loan. As of February 2014, Alibaba Financial Services has more than 700,000 small and micro enterprises.

Ali Finance is a financing service provider focusing on small and micro enterprises, providing Ali credit loans.

1.Take Alibaba Financial Group as an example, explain its financial structure, what financial licenses it has obtained, and give an example of how Alibaba Group conducts financial business.

Take Alibaba Financial Group as an example, explain its financial structure, what financial licenses it has obtained, and give an example of how Alibaba Group conducts financial business: pro 1Taking Alibaba Financial Group as an example, to illustrate its financial structure, it has obtained a financial institution to operate a financial institution license, and as an example, Alibaba Group is a bureau that conducts financial business, as follows: Alibaba Financial Model: Alibaba Finance, also known as Alibaba Finance, is an independent business group under Alibaba, mainly providing microfinance and other businesses for small and micro enterprises and individual entrepreneurs.