螞蟻金服限制其消費貸款產品利率大綱

Alibaba’s finance affiliate has banned consumer-loan products that charge annual interest rates above 24 per cent from its marketing platform.
阿里巴巴(Alibaba)旗下金融公司已禁止其營銷平臺上入駐的消費貸款產品的年化綜合費率超過24%。

The step is the latest sign of how tighter regulation is reshaping China’s once-freewheeling internet lending industry. Online consumer lending has boomed over the past year. Small-loan companies that lend online using their own capital have largely replaced peer-to-peer lenders as the main source of online consumer and small-business loans, following a regulatory crackdown on P2P.
此舉進一步顯示出，更嚴格的監管正在重塑中國一度不受拘束的網貸行業。過去一年網絡消費貸款得到了蓬勃發展。隨着個人對個人(P2P)貸款受到監管整頓，那些利用自有資金進行網上借貸的小額貸款公司已基本取代P2P，成爲網絡消費者和小企業貸款的主要來源。

Ant Financial, Alibaba’s finance affiliate, offers its own consumer loans but also distributes loans from other companies through Alipay, its online and mobile payments service. The move to delist high-interest loans from Alipay’s “Lifestyle” platform comes days after a multi-agency task force on internet finance suspended issuance of new licences for online consumer loan companies.
阿里巴巴旗下金融公司螞蟻金服(Ant Financial)除擁有自己的消費貸款業務外，也讓其他企業通過其在線和移動支付服務支付寶(Alipay)發放貸款。就在此次支付寶“生活號”平臺下架高利貸商家的幾天前，互聯網金融風險專項整治工作領導小組辦公室下發文件，要求暫停批設網絡小額貸款公司。

“Our inspections discovered that products recommended by a few merchants on Lifestyle have problems such as interest rates that exceed the legal limit and inappropriate collection methods,” Ant Financial said. The company added that it would continue to monitor the platform and delist substandard loan offerings.
螞蟻金融表示：“我們排查發現，有個別商家在其生活號上推薦的產品存在超過法定利率、不當催收等問題。”該公司還表示將“開展持續排查，下架任何不符合要求的生活號。”

China’s Supreme People’s Court ruled in 2015 that the courts only enforced collection on loans that charge annual interest rates of up to 24 per cent. It added that rates of up to 36 per cent were legally permissible, but the lender had to figure out its own means of seeking repayment on defaulted debt.
中國最高人民法院在2015年規定，法院只對年利率不到24%的貸款執行徵收。同時表示36%以下的年利率是法律允許的，但貸款人必須自己想辦法收回拖欠債務。

That suggests the move by Alipay represents a conservative approach to managing its partnerships amid uncertainty about how regulators will proceed.
這也意味着面對監管機構下一步舉動的不確定性，支付寶此舉代表了一種保守的合作伙伴管理方式。