Today, the CBRC issued a news release and approved the establishment of Zhejiang Internet Banking Bank in Hangzhou, Zhejiang. Among them, Zhejiang ant small and micro financial services group (hereinafter referred to as "ant small micro") subscribe to the bank's total share capital of 30%, becoming the largest shareholder. It is reported that the bank mainly provides less than 200 thousand of deposit products and less than 5 million of the loan products.

What is the origin of "ant small and micro"? This is renamed by the Alibaba [micro-blog] electricity supplier. This name has caused many Ma [micro-blog] hopes that "the tree will be destroyed". Its registered capital is 1 billion 228 million yuan, the address is 9 floors of Hua Xing science and technology building, 477 Wensanlu Road, Xihu District, Hangzhou, and the legal representative is Peng Lei.

Since Ma Yun and Xie Shihuang donated shares to Hangzhou Jun Han equity investment partners (hereinafter referred to as "Jun Han investment"), they hold 57.86% stake, while Hangzhou Jun Ao equity investment partner (hereinafter referred to as "Jun Ao investment") holds 41.14%. Ma Yun is a direct shareholder of Jun Han investment, and senior executives such as Lu Zhaoxi and Peng Lei hold a partnership with Jun Ao investment.

Shortly after the bank was approved, Ali disclosed the details of the Internet banking, mainly through the Internet to provide financial services for small and micro enterprises and grassroots consumers.

Yu Shengfa, who was the head of the Zhejiang Internet commercial bank, once said in a forum that he is not the same as Qianhai. They may not set up outlets online. Alibaba also made an explanation this time. The Internet business bank takes the Internet as the main means and tool, and is fully networked. It provides financial services and products with network characteristics, suitable for network operation and relatively simple structure.

　　 Ali It said that the business mode of small deposit and small loan will continue to persist, mainly providing 200 thousand of the deposit products and less than 5 million of the loan products. As for the opening hours, they will be completed within 6 months from the date of approval, according to regulatory requirements.

So what is the difference between this business model and Ali small and micro financial services group led by Peng Lei? Will there be a conflict of business? Ali said that the two sides' ideas come down in one continuous line, there is no conflict, and they will keep the two parallel in the future. And the preparation of the bank will absorb many years of experience in data, wind control and other links, so as to maintain our services for small and micro enterprises and consumers. That is, the operation bank has a supplementary meaning of the small micro financial service chain.

In addition to the details, Fosun Join in Zhejiang's Internet banking has also attracted much attention.

As indicated in the reply, in addition to the big shareholders' ants and small and micro businesses, Fosun squeezed Wanxiang to become the second largest shareholder. Fosun's Shanghai Fuxing Industrial Technology Development Co., Ltd. subscribes for 25% of the total share capital. Wanxiang Sannong Group Co., Ltd. subscribes 18% of the total share capital, and Ningbo gold run asset management Co. Ltd. subscribes 16% of the total share capital.

Prior to this, Fosun was originally set up by the joint Yao to set up a private bank. However, Fosun said that this time they turned to Ali's embrace, which is not unexpected, but also confident of Zhejiang Internet banking. "Over the past five years, Fosun has been launched as a small loan for Ali. Shareholder We have been deeply involved in its operation and development, which makes us have a deeper understanding of the mode of Internet banking.

On the other hand, Jun Yao made the purchase of the Wenzhou Huarui bank, which is the same as the Shanghai Metersbonwe Clothing Co., Ltd., the same as the Wenzhou brothers. The two sides subscribed for 45% of the total share capital, as well as the Internet Banking Bank, which was approved by the CBRC today.

The original "second in command" is a universal joint venture, with a registered capital of 600 million yuan and Lu Guanqiu as its legal representative. The fourth largest shareholder, Ningbo Jin run asset management Co., Ltd. was founded in 1992 with a registered capital of 1 billion 634 million yuan. The legal representative is Han Xue Gao.