After Alibaba builds a strong business platform with full mode, finance will inevitably become its next goal. Alibaba Finance has gone through more than ten years since Alipay, the first financial service product launched by Alibaba. From the time line, the development process can be divided into the following two stages: the development stage centered on payment business, the exploration stage of Ali Finance, and the integrated development stage marked by the establishment of Ant Financial Group after the rise of Internet finance in China.
Tencent's Internet finance is divided into two parts:
The first block: Weizhong Bank invested by Tencent, mainly making loans. It obtains funds by borrowing and cooperating with other banks, and finds users who need these funds through the Internet. For example, users who want micro-loans with Q are the services provided by Weizhong Bank. This credit service can judge everyone's credit through everyone's data, and can give him a loan of up to 200,000, which is judged according to big data. This is a loan solution.
The second block: financial management, which is what Tencent is doing internally, is realized through Tencent's financial management platform.
Financial management is an open platform, which is actually a bit like Tencent's content. A financial institution with some financial products connected to it is also a product. It also has good products and bad products. Not everyone shouts how high the income is, because there may be risks. Many people say that Tencent only sells products, but in fact, everyone recognizes the endorsement and credit of this platform and must have certain responsibilities.
Based on its strong digital technology capabilities, JD Finance is committed to providing consumers with professional and secure digital financial services, including two service systems: individuals and enterprises.
In the field of personal finance, "Jingdong Financial App", as a carrier, has cooperated with more than 400 banks, 120 insurance companies and 1 0 fund companies to accurately match wealth management products and credit services for over10 billion consumers through its unique big data technology and artificial intelligence risk control capability. In the field of corporate finance, JD Finance has helped 8 million online and offline small and micro enterprises to obtain safe, accessible, green and sustainable inclusive finance services, and also provided digital solutions for more than 700 financial institutions to improve the efficiency of serving the real economy.