“花呗借呗”幕后“掌门”换人！

华尔街见闻07-26

那个无数用户熟悉并使用的“花呗、借呗”，正在更替他的“掌门”。监管信息显示，重庆金融监管局日前核准江浩的重庆蚂蚁消费金融有限公司董事、总经理的任职资格。蚂蚁消费金融（后简称“蚂蚁消金”）即是目前支付宝上被广泛使用的花呗、借呗的服务提供商。此次批复，亦意味着执掌花呗借呗业务的幕后高管团队在过去一年内“顺利”完成更替。一年前，蚂蚁消金董事长变革，一年后的当下，总经理也有了新的人选。资深金融...

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href=https://wallstreetcn.com/articles/3721444><strong>华尔街见闻</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>那个无数用户熟悉并使用的“花呗、借呗”，正在更替他的“掌门”。\n监管信息显示，重庆金融监管局日前核准江浩的重庆蚂蚁消费金融有限公司董事、总经理的任职资格。\n蚂蚁消费金融（后简称“蚂蚁消金”）即是目前支付宝上被广泛使用的花呗、借呗的服务提供商。\n此次批复，亦意味着执掌花呗借呗业务的幕后高管团队在过去一年内“顺利”完成更替。\n一年前，蚂蚁消金董事长变革，一年后的当下，总经理也有了新的人选。\n\n资深金融...</p>\n\n<a 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replaced!","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"89988":0.6,"09988":1,"BABA":1},"content_text":"那个无数用户熟悉并使用的“花呗、借呗”，正在更替他的“掌门”。\n监管信息显示，重庆金融监管局日前核准江浩的重庆蚂蚁消费金融有限公司董事、总经理的任职资格。\n蚂蚁消费金融（后简称“蚂蚁消金”）即是目前支付宝上被广泛使用的花呗、借呗的服务提供商。\n此次批复，亦意味着执掌花呗借呗业务的幕后高管团队在过去一年内“顺利”完成更替。\n一年前，蚂蚁消金董事长变革，一年后的当下，总经理也有了新的人选。\n\n资深金融人士上岗\n资料显示，江浩是英国埃克塞特大学金融与投资硕士，近20多年一直在金融行业从业，他早年长期深耕在银行零售业务一线，这方面经验非常丰富。\n他曾担任中国建设银行高级副经理、中国银行（香港）有限公司上海分行副行长、上海银行总行零售信贷负责人、上银基金公司督察长、东亚银行（中国）有限公司个人银行总监等重要职务。\n2018年5月，江浩加入网商银行。他先是担任合规总监，2020年7月起兼任网商银行董事会秘书；2021年9月起江浩出任网商银行副行长、董事会秘书、合规总监格。\n2024年7月，江浩获批出任蚂蚁消金的总经理。\n网商银行是由蚂蚁集团控股的头部民营银行，他的控股股东和蚂蚁消金一致，均为蚂蚁科技集团（后简称为“蚂蚁集团”）。后者作为网商银行的第一大股东，持股该行约30%股权。\n所以，严格意义上说，2018年后，江浩就已加盟蚂蚁的体系，并服务至今。\n出掌巨无霸机构\n蚂蚁消金是一个注册资本230亿，实际资产近2400亿元（截至2023年末）的“巨无霸”机构。\n该公司2023年报显示，其业务场景覆盖餐饮食品、服饰美容、生活缴费、交通出行、生活日用通讯物流、文教娱乐、运动健康等，满足客户日常吃穿住行相关的消费信贷需求，持续助推消费提质升级和实体经济发展。\n蚂蚁消金于2021年6月获批正式开业，设立之初即开始承接来自重庆小微小贷、重庆商诚小贷的花呗、借呗业务，该项工作已在2023年内平稳有序地完成。\n2023年末，蚂蚁消金的资产总额增长到 2397亿元，负债总额 2168 亿元，所有者权益总额达到 229 亿元。报告期内，本公司实现净利润 1.52亿元，各项监管指标符合监管要求。\n管理层完成更替\n蚂蚁消金的第一任董事长为黄浩，陈怀晟出任公司第一任总经理。\n不过，在过去一年内，这两个关键岗位已经完成了更替。\n2023年7月，重庆银保监局公告核准金晓龙的重庆蚂蚁消费金融有限公司董事长任职资格，后者同时亦是蚂蚁集团资深副总裁、网商银行的董事长。\n金晓龙与江浩颇多共同工作经验。金晓龙是中南财经大学经济学硕士，曾任平安银行总行公司网络金融事业部、小企业金融事业部总裁，深圳发展银行\\平安银行总行公司产品与现金管理部总经理，网商银行执行董事、副行长、行长。\n随着江浩的任职资格获批，近1年来，蚂蚁消金的“一二把手”都更迭完毕，而且都来自网商银行。\n\n监管方面“谆谆叮嘱”\n江浩的批复文件里，监管机构还有两段“谆谆叮嘱”，读来颇有意趣。\n监管要求：\n重庆蚂蚁消费金融有限公司应要求上述核准任职资格人员严格遵守国家金融监督管理总局有关监管规定，并按要求及时报告履职情况。\n重庆蚂蚁消费金融有限公司应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，熟悉任职岗位职责，忠实勤勉履职。\n或许，对江浩而言，持续学习、合法合规履职，和把花呗借呗的业务再带上一层楼可能同等重要。风险提示及免责条款\n\n            市场有风险，投资需谨慎。本文不构成个人投资建议，也未考虑到个别用户特殊的投资目标、财务状况或需要。用户应考虑本文中的任何意见、观点或结论是否符合其特定状况。据此投资，责任自负。","kind":null,"is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"Executive 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