京东金融获10亿美元融资

目前，中国第二大电子商务公司京东，为其消费者金融子公司京东金融进行了新一轮融资，融得10亿美元。

投资者包括红杉资本中国基金、嘉实投资和中国太平保险。此轮融资之后，京东金融的估值达到70亿美元，京东将在这家金融服务公司继续持有多数股份。

京东金融向中国的消费者、初创公司和企业提供各种在线金融服务。例如，京东最近与美国初创公司ZestFinance合作，为中国的借贷者提供信贷风险评分，从而更加快捷地向消费者发放贷款。通过此次合作，在京东购物的中国消费者，现在可以向京东申请一定的信用额度，用于购物。

随着中国中产阶级人数的迅速增长，金融服务，包括网上银行、数字支付和网络借贷等业务，为国内科技公司带来了巨大的机遇。例如，据艾瑞预测，到2018年，中国移动支付金额预计将从2014年的1万亿美元，增长两倍，至3万亿美元。

但中国金融技术领域的竞争已经非常激烈。

京东的主要竞争对手阿里巴巴旗下的蚂蚁金服，以及近期开始经营互联网银行——网商银行。蚂蚁金服旗下包括中国在线支付巨头支付宝。并且有报道称，蚂蚁金服计划在上市之前进行新一轮融资。2015年完成上一轮融资之后，蚂蚁金服的估值达到了500亿美元。

中国科技巨头腾讯，也面向中国消费者提供了多种金融服务，包括数字钱包财付通。（财富中文网）

译者：刘进龙/汪皓

China’s second largest e-commerce company, JD.com, raised $1 billion in new funding for its consumer finance subsidiary, JD Finance.

Investors included Sequoia Capital China, China Harvest Investments, and China Taiping Insurance. The new financing values JD Finance at $7 billion, and the e-commerce giant will continue to have a majority stake in financial services company.

JD Finance provides a number of online financial services to consumers, start-ups, and companies in China. For example, JD recently partnered with U.S. startup ZestFinance to provide credit risk scores to Chinese lenders so they can extend credit to consumers. With the partnership, Chinese consumers shopping on JD.com are able to apply for a line of credit to buy items from the e-commerce site.

Financial services, including online banking, digital payments, and web-based lending, is gearing up to be massive opportunity for Chinese technology companies as the country’s middle class explodes in size. For example, the amount of mobile payments in China is expected to triple to $3 trillion in 2018 from $1 trillion in 2014, according to iResearch.

But financial technology in China is already heating up with competitors.

An affiliate of JD.com’s main competitor Alibaba, Ant Financial, which operates Chinese online payment giant Alipay, also recently started operating its online bank, MYbank, and isreportedly looking to raise more funding before a public offering. Ant Financial was valued at $50 billion in its last round of funding in 2015.

Chinese technology juggernaut Tencent also offers a number of financial services to Chinese consumers,including a digital wallet called Tenpay.