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挑战阿里?亚马逊借贷业务可能要落户中国了

国际资讯基于互联网平台的金融业务

挑战阿里?亚马逊借贷业务可能要落户中国了

近日,来自亚马逊公司官网的一则招聘信息引起了人们的注意。信息显示,亚马逊公司正在寻找一名项目负责人,“全面负责中国市场借贷业务的业务扩张和合作伙伴计划”。

这样看来,亚马逊与阿里巴巴这两家全球顶尖电商集团就要在中国借贷市场“开战”了。

中国是迄今为止世界上最大的电子商务市场,是具备全球视野的电商企业必争之地。中国消费者去年网上消费总额高达1.1万亿美元,比2016年增长了32%,是美国的两倍多。

总部位于西雅图的亚马逊在中国市场一直发挥欠佳,主要原因还是在于本土巨头阿里巴巴和京东集团的激烈竞争。来自iResearch的数据,过去十多年来亚马逊在中国的电商市场份额不到2%。而就在不久前,谷歌公司还宣布向京东集团投资5.5亿,进一步加剧了中国电商市场的竞争。

因此,借贷计划可能是亚马逊鼓励商家使用其平台,并借此扭转占据的一种方式。亚马逊在2011年开始向小企业主提供信贷,利用销售数据预测可能的融资需求,并借此发出借贷邀请。

尽管亚马逊宣布计划在2015年将贷款计划扩大到中国和其他七个国家,但两年后的一次新闻发布会表示,目前只有美国、日本和英国的中小企业能够获得这类贷款产品。据统计,截至2017年,亚马逊已经累计发放短期贷款30多亿美元,贷款金额从1000美元到7.5万美元不等。

亚马逊对中国的人才队伍一直很感兴趣。来自其招聘页面的信息显示,亚马逊目前在中国共在招476个工作岗位,涵盖销售、软件和硬件开发等多个领域。而本次公布的贷款业务负责人要求必须英语和普通话流利,并具有消费信贷或小企业融资的背景。

不过,目前亚马逊方面并没有对这一消息作出回应。

Amazon could finally be getting around to launching its small business lending program in China, putting it on a collision course with home-grown juggernaut Alibaba.

The company is seeking a manager “with end-to-end responsibility for scaling operations and partner programs in a new strategic initiative in China” for its lending arm, according to a June 19 job listing.

China is by far the biggest e-commerce market in the world, making it a battleground for companies racing to establish global empires. Chinese consumers spent $1.1 trillion on online retail channels last year, 32 percent more than 2016 and more than double the U.S. figure. Seattle-based Amazon has found the Chinese market hard to crack, mostly because of competition from online retailers Alibaba and JD.com. Despite more than a decade there, Amazon has less than 2 percent of the market, according to iResearch.

So the lending program could be a way for Amazon to turn the tide by encouraging merchants to use its platform. Amazon began extending credit to small business owners in 2011, using sales data to trigger invitations for financing that could fuel growth. The company’s race to lock up sellers in China gained urgency last week after Google said it plans to invest $550 million in JD.com as part of a strategic partnership.

While Amazon announced plans to expand the lending program to China and seven other countries back in 2015, a press release two years later said it had only issued loans in the U.S., Japan and the U.K. By then, Amazon had made more than $3 billion in short-term loans ranging in size from $1,000 to $750,000.

Amazon has a voracious appetite for talent in China. It has 476 listings for jobs there, from sales to software and hardware development. Applicants for the new lending position should be fluent in English and Mandarin and have a background in consumer credit or small business finance.

An Amazon spokesman didn’t immediately respond to a request for comment.


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