蚂蚁金服强势扩张

 　　BEIJING, Feb. 29 (Xinhua) -- An Alibaba-backed private lender said on Monday that its focus on providing financial services to clients who are underserved by traditional banks has resulted in billions in loans to small businesses and individuals over the past eight months.

　　E-commerce giant Alibaba holds a 30-percent stake in MYbank through its financial arm, Ant Financial. MYbank said it has lent a total of 45 billion yuan (around 6.88 billion U.S. dollars) to farmers, merchants on Alibaba's online marketplace, restaurant owners and mom-and-pop stores, extending loans to 800,000 borrowers that have trouble accessing financing through traditional banks.

　　In the eight months since it opened for business last June, MYbank's loan balance has grown 30 percent each month on top of a client base that has been expanding 12 percent for the past five months.

　　Alibaba Internet lender extends 45 bln yuan in loans in 8 monthsIts rival, Tencent, also runs a private lender called WeBank based in the southern Chinese boomtown of Shenzhen. Neither lender has a physical presence, instead providing services online or through mobile applications.

　　They are among a group of private lenders approved by the Chinese banking¹ regulator under a trial program to encourage lending to the country's small and private businesses and the rural population.

　　China's large, state-owned banks have been more inclined to lend to big, state-owned companies as the implicit² guarantee they have from the government has made lending to such firms almost risk-free.

　　Smaller companies and individuals don't have such backing, and without adequate credit records, banks don't know how much risk they are exposed to when lending to these companies.

　　MYbank has tended to lend to companies and firms that have historically been underserved by big banks, while WeBank has focused on consumer credit and wealth management. Both touted³ their ability to accurately⁴ evaluate clients' creditworthiness based on their online activity, in addition to information gathered through traditional due diligence work.

　　MYbank didn't disclose the aggregate⁵ amount of credit extended to farmers, but said average credit for rural household across 2,425 villages in 24 provinces stands at 44,000 yuan.

 

1 banking   

n.银行业，银行学，金融业

参考例句：

• John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。
• He possesses an extensive knowledge of banking.他具有广博的银行业务知识。

2 implicit   

a.暗示的，含蓄的，不明晰的，绝对的

参考例句：

• A soldier must give implicit obedience to his officers. 士兵必须绝对服从他的长官。
• Her silence gave implicit consent. 她的沉默表示默许。

3 touted   

v.兜售( tout的过去式和过去分词 )；招揽；侦查；探听赛马情报

参考例句：

• She's being touted as the next leader of the party. 她被吹捧为该党的下一任领导人。
• People said that he touted for his mother and sister. 据说，他给母亲和姐姐拉生意。 来自辞典例句

4 accurately   

adv.准确地，精确地

参考例句：

• It is hard to hit the ball accurately.准确地击中球很难。
• Now scientists can forecast the weather accurately.现在科学家们能准确地预报天气。

5 aggregate   

adj.总计的，集合的；n.总数；v.合计；集合

参考例句：

• The football team had a low goal aggregate last season.这支足球队上个赛季的进球总数很少。
• The money collected will aggregate a thousand dollars.进帐总额将达一千美元。