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亚马逊在线小企业借贷总额突破30亿美元

本周,互联网巨头亚马逊宣布,自2011年开设小企业贷款服务以来,已经累计服务2万家小企业,贷款发放总额超过30亿美元,其中过去一年的贷款发放量就达到10亿美元。

目前亚马逊的借贷服务仅面向美国、英国和日本三个国家,贷款额从1000美元到75万美元不等。数据显示,在亚马逊平台进行借贷的小企业中,有50%都选择在还款结束后继续使用亚马逊贷款服务。

值得注意的是,其他在线借贷机构都需要不菲的获客成本,而这亚马逊在这方面却是不费吹灰之力。作为全球最大的在线零售企业,多年的平台建设已经为亚马逊吸引了不少的用户基础。而最近据PYMNTS报道,在2017年收购美国Whole Foods公司后,亚马逊可能考虑在2018年继续收购美国著名线下零售集团Target公司,扩张意图明显,而两者规模巨大的消费用户群体则可能是吸引亚马逊的一个关键因素。

因此有不少媒体评论称,亚马逊已经悄然成为了一家大型银行。事实是否真实如此?各方说法不一,而亚马逊方面也没有给出明确答复。

Amazon announced today that it had originated over $3 billion in loans to more than 20,000 small businesses since 2011. One billion of those loans came in the past 12 months. Peyush Nahar, VP for Amazon Marketplace, released a statement on the milestone。

The Street.com aptly said the Amazon was “has secretly become a giant bank.”

The data points Amazon shared were pretty compelling. 50% of the small businesses that take out a loan come back and do it again. Loans range from as little as $1000 but go up to $750,000. Amazon is now lending in the US, UK and Japan.

But here is the rub. While other online lenders must pay a hefty fee to acquire new borrowers that is not the case for Amazon. The worlds largest retailer already has the relationship with these borrowers. Marketing to these small businesses cost, well, very little.

Will Amazon Become the World’s Largest Online Balance Sheet Lender?

Amazon is not the only internet mega-giant that has realized a digital relationship can be leveraged in many different ways. My guess is that Amazon has been watching Alibaba lead the way in China. While Amazon is only lending to three countries today they currently provide services in 130 different countries. No costly brick and mortar locations necessary.


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