Quả cho cá nhân nhỏ lẻ, thu nhập trung bình vay tiền ồ ạt này làm mình liên tưởng luôn đến anh Lehman Brothers ngày trước.
In barely half a decade Ant has reached 1.7trn yuan in outstanding consumer loans, or roughly a 15% share of China’s consumer-lending market. Its loans to small businesses total about 400bn yuan, about 5% of the micro-enterprise loan market. From a financial perspective, Ant’s biggest innovation is the way that it funds the credit. Initially, it made the loans and then packaged them as securities, sold to other financial institutions. But regulators feared parallels with the securitisation boom that preceded the financial crisis of 2007-09. They required that the originators of securities hold capital much like any bank—a rule that cut into Ant’s margins.
cùng một trò luôn chứ còn gì nữa, cho vay xong đóng lại thành một mớ cho các anh khác nắm