金融监管下蚂蚁花呗的运营方式转型

Operation Mode Transformation of Huabei under Financial Supervision

蚂蚁花呗作为相对安全可信的新兴互联网信贷平台,近年来一直走在金融创新的前列,成为互联网金融中一支独大的消费金融产品。但在给人民、企业带来便利的同时,垄断问题也愈发凸显,存在僭越法律法规底线以谋求更大利益的问题,加大了我国金融市场风险。采用SWOT矩阵方法,将影响蚂蚁花呗发展的各种因素加以匹配,以探究新背景下蚂蚁金融发展的新路径。

As a relatively safe and reliable emerging internet credit platform,Huabei is indeed an effective financial innovation attempt,and has developed as a dominant consumer financial product in internet finance field.Despite more convenience,the problem of monopoly has also stood out.The possibility of challenging legal deadline will increase market risk.The paper introduced SWOT to analyze the influencing factors of Huabei’s development,and then proposed new paths.