微信公號“螞蟻集團”4月12日發布消息，2020年12月26日，金融管理部門對螞蟻集團提出五項重點業務領域的整改要求，螞蟻集團高度重視整改工作的嚴肅性，在金融管理部門的指導下，全面對標監管要求，近期已完成整改方案的研究和制定工作。
螞蟻集團將整體申設金融控股公司，實現金融業務全部納入監管；支付業務回歸支付本源，堅持小額便民、服務小微定位；申設個人征信公司，依法持牌、合法合規經營個人征信業務，加強個人信息保護，有效防范數據濫用；將“借唄”“花唄”全部納入消費金融公司，依法合規開展消費金融業務；強化消費者權益保護，加強金融消費者適當性管理；完善公司治理，遵守公平競爭的法律規則，規范關聯交易，加強風險防控，營造公平競爭的市場環境，進一步增強社會責任體系建設等。上述事項將根據監管規定及螞蟻集團公司章程等相關約定，在履行相應程序后具體執行。
螞蟻集團深刻認識到，國家依法規范平臺經濟發展，將金融活動全部納入金融監管，是站在全局高度、統籌發展與安全的重要舉措，不僅有利于行業健康有序發展，也是維護公平競爭市場環境，推動高質量發展的內在要求。
螞蟻集團將在金融管理部門的指導下，認真落實整改有關工作，確保全面規范金融業務的經營和發展，同時全力保障業務連續性和服務質量，不斷提升對實體經濟、小微企業和消費者的服務水平。
螞蟻集團也將以此次整改為革新契機，更加堅定立足小微、服務實體經濟的定位，堅持科技驅動、守正創新、開放共贏的發展理念，自覺把企業發展融入國家戰略大局，不斷加大科技創新投入，不斷增強合規能力建設，不斷提升國際競爭力，努力為社會創造價值，為服務“雙循環”新發展格局貢獻力量。
螞蟻集團
2021年4月12日
Using the rectification as an opportunity to reinforce our commitment to serve consumers and SMEs
On Dec. 26, 2020, financial regulators put forward five requirements to Ant Group for the rectification of its key businesses. Ant Group attaches great importance to the seriousness of the rectification. Under the regulators’ guidance, and in accordance with regulatory requirements, Ant Group has completed the formulation of our rectification plan.
Ant Group, in its entirety, will apply to set up a financial holding company to ensure our financial-related businesses are fully regulated. Returning to its origin, our payment business will serve consumers and SMEs by focusing on micro-payments and bringing them convenience. Ant Group will set up a personal credit reporting company and apply for a personal credit reporting license. We will conduct the personal credit reporting business in compliance with relevant laws and regulations, strengthen the protection of personal information, and effectively prevent the abuse of data. “Jiebei” and “Huabei” will be operated by our consumer finance company which will be operated in compliance with relevant laws and regulations. We will strengthen consumer rights protection as well as suitability management of financial consumers. We will also further enhance our corporate governance, adhere to fair competition rules, bring related-party transactions into line, strengthen risk prevention and control, create a fair market environment, and further strengthen our corporate social responsibility commitments. Those actions mentioned above will be carried out after completing the relevant procedures provided in the regulatory requirements and Ant Group’s corporate bylaws.
Ant Group fully recognizes that regulating the platform economy under relevant laws, and putting all financial-related activities under financial regulation, are important initiatives that consider the overall picture while balancing the industry’s growth and safety. By doing so, financial regulators are not only ensuring the healthy and orderly development of the industry, but are also safeguarding a fair market environment to promote higher quality growth in the future.
Under the guidance of financial regulators, Ant Group will spare no effort in implementing the rectification plan, ensuring that the operation and growth of our financial-related businesses are fully compliant. In the meantime, we will ensure business continuity and maintain service quality, and continue to enhance our capabilities to serve consumers, small businesses and the real economy.
Using the rectification as an opportunity, Ant Group will reinforce our commitment to serve consumers, small businesses and the real economy, and further focus on being a technology-driven company that innovates for good and creates open and win-win partnerships. We will put our growth proactively within the national strategic context, continue to invest in technological innovation, enhance our compliance capabilities, beef up our global competitiveness, strive to create societal value, and contribute to the new development paradigm of domestic and international circulations.
Ant Group
April 12, 2021
（原題為《螞蟻集團：以整改為革新契機，更加堅定服務小微》）
