小虎2776的个人主页 - 老虎社区

小虎2776

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IP属地：河北

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2020-05-06

$蔚来(NIO)$电动汽车算是一个新兴的行业，$特斯拉(TSLA)$，小鹏等，不是对手，是队友，大家好，才是真得好

2020-02-25

$蔚来(NIO)$ 早点休息吧。

2020-03-17

$蔚来(NIO)$都是中概。。。。

2020-03-17

$搜狐(SOHU)$清算卖楼吧

2020-03-19

$搜狐(SOHU)$没原因啊

2020-04-07

$蔚来(NIO)$除了业绩，一切皆虚妄。

2020-02-26

$蔚来(NIO)$ 今晚继续。

2020-12-03

京东你跟着跌什么，你都在香港遛几圈了

抱歉，原内容已删除

2020-02-24

$蔚来(NIO)$ 盘前跌，最后都要找回来的。

2020-12-07

$蔚来(NIO)$ 增发还是不增，这是一个。。。。。。

2020-05-08

$蔚来(NIO)$一分钱，一晚上？

2020-03-05

$NIO 20200515 5.0 CALL(NIO)$睡觉💤。

2020-03-02

$蔚来(NIO)$召唤财报。。。。

2020-12-09

3天了，一点新意都没有。

$京东(JD)$ 3天了，一点新意都没有。

3天了，一点新意都没有。

2020-03-26

$蔚来(NIO)$不做大哥好多年

2020-02-26

是不是有一种汪峰上头条的感觉？

@虎耳:$蔚来(NIO)$为什么每次蔚来利好可以飞一波的时候都遇到各种大局势的突发状况[捂脸] 每次都被硬生生的卡在一半

2020-12-03

疫情之下，就业最重。东哥不仅要京东发展，更要更多的人发展京东。增加就业，怎么看都是政治正确。

“巨象起舞”的归宿：京东物流IPO不会只是传说

2020-11-03

然后就是打擦边球，结果还太得瑟了。

蚂蚁十日：从马云喊话监管开始，以蚂蚁暂缓上市结束

2020-03-12

$蔚来(NIO)$经历了。。。。。。

2020-03-04

$蔚来(NIO)$横盘啊。。。。。。

去老虎APP查看更多动态

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href=\"https://laohu8.com/S/ZTO\">中通快递</a>的市值也仅约为1629亿人民币（约1926亿港元），京东物流就成了最大的潜力股。</p><p>　　毕竟，京东物流也并不是从未赶超顺丰。《2019年度快递品牌排行榜》显示，京东物流位列第二，领先顺丰一个名次。</p><p>　　梳理京东物流的发展历程发现，京东物流成立时间虽仅有三年，但成立之初已经有了十年的物流行业从业经验。</p><p>　　早在2007年，刘强东便率先在自建物流方面投入了不少的精力，京东物流也由此诞生。2012年8月，北京京邦达贸易有限公司注册成立，则意味着京东物流开始以公司这一“躯壳”合法化经营。但严格意义上来说，2017年4月，京东物流集团的正式成立，才是京东集团正式以“京东物流”这一品牌身份进军物流界。</p><p>　　公开身份之后，2017年至2019年三年间，京东物流以60.22亿元、146.65亿元、239.32亿元的营收稳步增长。不过，这三年，京东物流并未实现盈利，分别亏损20.7亿元、51.37亿元和10.22亿元，三年累计亏损达82.29亿元。但可以明显看到，2019年亏损大幅收窄，整体利润达成率178%。</p><p>　　值得一提的是，2017年京东物流初步订立的目标是在2022左右年实现50％的营收来自于外部市场。但早在今年1月份，京东物流的外部收入占比就已经超过了40％，超期完成了目标，堪称大象起舞。</p><p>　　并且，截至2020年9月30日，京东物流及其他服务收入约104.03亿元，同比增长73%，大幅超过上一季度的55%。</p><p>　　俨然，京东物流目前已呈现高速发展之势，照此趋势来看，京东物流未来实现盈利是大概率事件。</p><p>　　实际上，从年初至今京东物流的屡屡动作也可以预知一二。今年8月，30亿元收购跨越速运之后，京东物流宣布完成使命愿景、组织架构和品牌形象三大升级，“JDL京东物流”全新形象首次公开亮相；10月，“JDL京东物流科技”品牌首次发布。11月25日，京东物流还发布了物流科技产品“京慧”，据称可帮助企业节约物流费用10%以上，库存周转天数由75天降至45天。</p><p>　　在人才方面，京东物流也没有松懈。10月30日，京东物流表示，将在现有覆盖全国的20余万名员工的基础上，第四季度针对基层管理者以及仓储员快递员等一线岗位面向全国扩招15000人。12月3日，京东集团还称，京东物流将招聘超1万人，以储备、培养基层管理人才。</p><p>　　如此大动干戈地做人才储备工作，无非就是业务扩张计划的需要。可以猜测到，京东物流接下来还将要有大动作。</p><p>　　那么，京东物流上市则是其战略之中。刘强东曾放话，京东物流未来将独立上市。作为京东集团孵化京东数科、<a href=\"https://laohu8.com/S/06618\">京东健康</a>之外的第三只独角兽企业，并且，也是京东集团旗下今年有IPO消息的第三家子公司，京东数科、京东健康上市消息传出之后不久便纷纷启动上市议程。</p><p>　　而关于京东物流IPO的市场传闻，早在2019年12月便有爆料。彼时消息称，募资规模可能达到80至100亿美元，目标估值至少300亿美元。当下市场闻风而动，京东物流IPO传闻再度传出，按照以往大企业IPO的剧本来看，京东物流上市自然就不远了。</p>\n<p><strong>关注<a href=\"https://laohu8.com/S/300033\">同花顺</a>财经（ths518），获取更多机会</strong></p>\n<span></span>\n<div><span>责任编辑：wyj</span></div>\n</div></body></html>","source":"tonghuashun","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>“巨象起舞”的归宿：京东物流IPO不会只是传说</title>\n<style 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margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n“巨象起舞”的归宿：京东物流IPO不会只是传说\n</h2>\n\n<h4 class=\"meta\">\n\n\n2020-12-03 20:57 北京时间&nbsp;&nbsp;&nbsp;<a href=http://stock.10jqka.com.cn/hks/20201203/c625149910.shtml><strong>电商报</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>提及国内独角兽，阿里旗下的蚂蚁集团、阿里健康以及京东旗下的京东物流，绝对榜上有名。　　而在快递界，有可能与“快递一哥”顺丰抗衡的，恐怕只有京东物流这只“大象”。　　据路透社今日消息，知情人士透露，京东物流将于2021年上半年启动香港IPO，筹资至多30亿美元，估值约为400亿美元（约为2623亿人民币）。　　上市之时，市场给顺丰的估值为433亿元，目前顺丰的市值超过3600亿元。虽然以此来看，...</p>\n\n<a href=\"http://stock.10jqka.com.cn/hks/20201203/c625149910.shtml\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/e723da7a3701993fab850969ee288920","relate_stocks":{"QNETCN":"纳斯达克中美互联网老虎指数","JD":"京东"},"source_url":"http://stock.10jqka.com.cn/hks/20201203/c625149910.shtml","is_english":false,"share_image_url":"https://static.laohu8.com/f0343184bd9b9c963ed02b302442e2b8","article_id":"2088082202","content_text":"提及国内独角兽，阿里旗下的蚂蚁集团、阿里健康以及京东旗下的京东物流，绝对榜上有名。　　而在快递界，有可能与“快递一哥”顺丰抗衡的，恐怕只有京东物流这只“大象”。　　据路透社今日消息，知情人士透露，京东物流将于2021年上半年启动香港IPO，筹资至多30亿美元，估值约为400亿美元（约为2623亿人民币）。　　上市之时，市场给顺丰的估值为433亿元，目前顺丰的市值超过3600亿元。虽然以此来看，京东物流上市之后可能与顺丰有1000亿的差距，但再看前不久成功赴港二次上市的通达系一哥――中通快递的市值也仅约为1629亿人民币（约1926亿港元），京东物流就成了最大的潜力股。　　毕竟，京东物流也并不是从未赶超顺丰。《2019年度快递品牌排行榜》显示，京东物流位列第二，领先顺丰一个名次。　　梳理京东物流的发展历程发现，京东物流成立时间虽仅有三年，但成立之初已经有了十年的物流行业从业经验。　　早在2007年，刘强东便率先在自建物流方面投入了不少的精力，京东物流也由此诞生。2012年8月，北京京邦达贸易有限公司注册成立，则意味着京东物流开始以公司这一“躯壳”合法化经营。但严格意义上来说，2017年4月，京东物流集团的正式成立，才是京东集团正式以“京东物流”这一品牌身份进军物流界。　　公开身份之后，2017年至2019年三年间，京东物流以60.22亿元、146.65亿元、239.32亿元的营收稳步增长。不过，这三年，京东物流并未实现盈利，分别亏损20.7亿元、51.37亿元和10.22亿元，三年累计亏损达82.29亿元。但可以明显看到，2019年亏损大幅收窄，整体利润达成率178%。　　值得一提的是，2017年京东物流初步订立的目标是在2022左右年实现50％的营收来自于外部市场。但早在今年1月份，京东物流的外部收入占比就已经超过了40％，超期完成了目标，堪称大象起舞。　　并且，截至2020年9月30日，京东物流及其他服务收入约104.03亿元，同比增长73%，大幅超过上一季度的55%。　　俨然，京东物流目前已呈现高速发展之势，照此趋势来看，京东物流未来实现盈利是大概率事件。　　实际上，从年初至今京东物流的屡屡动作也可以预知一二。今年8月，30亿元收购跨越速运之后，京东物流宣布完成使命愿景、组织架构和品牌形象三大升级，“JDL京东物流”全新形象首次公开亮相；10月，“JDL京东物流科技”品牌首次发布。11月25日，京东物流还发布了物流科技产品“京慧”，据称可帮助企业节约物流费用10%以上，库存周转天数由75天降至45天。　　在人才方面，京东物流也没有松懈。10月30日，京东物流表示，将在现有覆盖全国的20余万名员工的基础上，第四季度针对基层管理者以及仓储员快递员等一线岗位面向全国扩招15000人。12月3日，京东集团还称，京东物流将招聘超1万人，以储备、培养基层管理人才。　　如此大动干戈地做人才储备工作，无非就是业务扩张计划的需要。可以猜测到，京东物流接下来还将要有大动作。　　那么，京东物流上市则是其战略之中。刘强东曾放话，京东物流未来将独立上市。作为京东集团孵化京东数科、京东健康之外的第三只独角兽企业，并且，也是京东集团旗下今年有IPO消息的第三家子公司，京东数科、京东健康上市消息传出之后不久便纷纷启动上市议程。　　而关于京东物流IPO的市场传闻，早在2019年12月便有爆料。彼时消息称，募资规模可能达到80至100亿美元，目标估值至少300亿美元。当下市场闻风而动，京东物流IPO传闻再度传出，按照以往大企业IPO的剧本来看，京东物流上市自然就不远了。\n关注同花顺财经（ths518），获取更多机会\n\n责任编辑：wyj","news_type":1},"isVote":1,"tweetType":1,"viewCount":1663,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":398456697,"gmtCreate":1606949698419,"gmtModify":1703845579520,"author":{"id":"3503986919995244","authorId":"3503986919995244","authorIdStr":"3503986919995244","name":"小虎2776","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"京东你跟着跌什么，你都在香港遛几圈了","listText":"京东你跟着跌什么，你都在香港遛几圈了","text":"京东你跟着跌什么，你都在香港遛几圈了","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/398456697","repostId":"1193074976","repostType":2,"repost":{"id":"1193074976","weMediaInfo":{"introduction":"为用户提供金融资讯、行情、数据，旨在帮助投资者理解世界，做投资决策。","home_visible":1,"media_name":"老虎资讯综合","id":"102","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1606949173,"share":"https://www.laohu8.com/m/news/1193074976?lang=&edition=full","pubTime":"2020-12-03 06:46","market":"us","language":"zh","title":"美众议院表决通过《外国公司问责法》，部分中概股盘后走低","url":"https://stock-news.laohu8.com/highlight/detail?id=1193074976","media":"老虎资讯综合","summary":"12月3日讯，美国众议院当地时间周三表决通过《外国公司问责法》，该法案要求，外国发行人连续三年不能满足美国公众公司会计监督委员会（PCAOB）对会计师事务所检查要求的，禁止其证券在美国交易。该议案已于","content":"<p>12月3日讯，美国众议院当地时间周三表决通过《外国公司问责法》，该法案要求，外国发行人连续三年不能满足美国公众公司会计监督委员会（PCAOB）对会计师事务所检查要求的，禁止其证券在美国交易。该议案已于今年5月在美国参议院获得通过。</p><p>对此，在北京时间周三举行的外交部例行发布会上，发言人华春莹表示，此举再次表明，美国对中国公司采取歧视性政策，对中国企业进行政治打压。在资本市场高度全球化的今天，有关各方开诚布公地就加强跨境监管合作、保护投资者合法权益等议题加强对话和合作才是解决问题的正道。我们坚决反对将证券监管政治化的做法。我们希望美方能够为外国企业在美国的投资经营提供公平、公正、非歧视的环境，而不是想方设法设置种种障碍。</p><p>部分中概股盘后走低，<a href=\"https://laohu8.com/S/XPEV\">小鹏汽车</a>盘后跌超4%，<a href=\"https://laohu8.com/S/NIO\">蔚来</a>汽车盘后跌超3%，<a href=\"https://laohu8.com/S/LI\">理想汽车</a>盘后跌超2%，<a href=\"https://laohu8.com/S/IQ\">爱奇艺</a>、京东、拼多多盘后跌超1%。</p><p><img src=\"https://static.tigerbbs.com/f6fe0bf04ef28ddd47ebbcc4b977e0f9\" tg-width=\"867\" tg-height=\"833\"></p>","collect":0,"html":"<!DOCTYPE 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class=\"head\" href=\"https://laohu8.com/wemedia/102\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">老虎资讯综合 </p>\n<p class=\"h-time\">2020-12-03 06:46</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p>12月3日讯，美国众议院当地时间周三表决通过《外国公司问责法》，该法案要求，外国发行人连续三年不能满足美国公众公司会计监督委员会（PCAOB）对会计师事务所检查要求的，禁止其证券在美国交易。该议案已于今年5月在美国参议院获得通过。</p><p>对此，在北京时间周三举行的外交部例行发布会上，发言人华春莹表示，此举再次表明，美国对中国公司采取歧视性政策，对中国企业进行政治打压。在资本市场高度全球化的今天，有关各方开诚布公地就加强跨境监管合作、保护投资者合法权益等议题加强对话和合作才是解决问题的正道。我们坚决反对将证券监管政治化的做法。我们希望美方能够为外国企业在美国的投资经营提供公平、公正、非歧视的环境，而不是想方设法设置种种障碍。</p><p>部分中概股盘后走低，<a href=\"https://laohu8.com/S/XPEV\">小鹏汽车</a>盘后跌超4%，<a href=\"https://laohu8.com/S/NIO\">蔚来</a>汽车盘后跌超3%，<a href=\"https://laohu8.com/S/LI\">理想汽车</a>盘后跌超2%，<a href=\"https://laohu8.com/S/IQ\">爱奇艺</a>、京东、拼多多盘后跌超1%。</p><p><img src=\"https://static.tigerbbs.com/f6fe0bf04ef28ddd47ebbcc4b977e0f9\" tg-width=\"867\" 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margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n国产特斯拉减配，车主怒了！进口车车主一查：我也是\n</h2>\n\n<h4 class=\"meta\">\n\n\n2020-03-04 17:35 北京时间&nbsp;&nbsp;&nbsp;<a href=https://mp.weixin.qq.com/s/deXkQNy2qKO4tK2dPS5GCA><strong>每日经济新闻</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>“特斯拉$(TSLA)$：不好意思，标签贴错了，重贴”“特斯拉客服：这是销售人员对业务不熟练，没有说清楚，跟公司没关系”......近日，国产特斯拉Model 3“减配”事件发生后，不少网友发出这样的调侃。图片来源于网络有数十位特斯拉车主发现，自己买的国产Model 3整车控制器代码与环保信息随车清单标注上存在不一致的情况。他们向3·15平台提起维权诉讼，以“欺诈消费者”为由向特斯拉上海公司索赔。...</p>\n\n<a href=\"https://mp.weixin.qq.com/s/deXkQNy2qKO4tK2dPS5GCA\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/04a9981062917fd869cbb3fa3c174208","relate_stocks":{"TSLA":"特斯拉"},"source_url":"https://mp.weixin.qq.com/s/deXkQNy2qKO4tK2dPS5GCA","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1133751963","content_text":"“特斯拉$(TSLA)$：不好意思，标签贴错了，重贴”“特斯拉客服：这是销售人员对业务不熟练，没有说清楚，跟公司没关系”......近日，国产特斯拉Model 3“减配”事件发生后，不少网友发出这样的调侃。图片来源于网络有数十位特斯拉车主发现，自己买的国产Model 3整车控制器代码与环保信息随车清单标注上存在不一致的情况。他们向3·15平台提起维权诉讼，以“欺诈消费者”为由向特斯拉上海公司索赔。车主投诉称，自己的国产Model 3搭载的是HW2.5（自动驾驶硬件2.5），而非随车环保清单上标注的HW3.0（自动驾驶硬件3.0）。图片来源于网络“已交付的国产Model 3并非全都是安装了HW2.5硬件，批次不一样，也有的安装了HW3.0硬件。”3月3日，特斯拉相关工作人员在接受每日经济新闻记者采访时称，“车主可以联系购车时对接的销售人员确认自己的车辆是否搭载了HW2.5硬件。如果确认安装的是HW2.5硬件，公司将为其提供免费更换HW3.0硬件。”随着“减配”事件的发酵，有消息称：“特斯拉已停止3月国产Model 3交付。”对此，上海某特斯拉体验店销售人员表示，他们目前没有接到停止交付的指令。不止是国产Model 3，多位购买进口Model 3车主也向记者爆料，他们购买的车型也存在“减配”情况。不过，上海某特斯拉体验店销售人员表示：“我们现在仅收到给国产Model 3车主进行免费更换HW3.0硬件的通知，并不涉及进口版Model 3。”特斯拉合同违约？面对车主的投诉，3月3日，特斯拉官方微博发布“关于中国制造Model 3环评清单问题的说明”，称特斯拉上海超级工厂于2月10日开始复工复产，期间基于供应链状况，一部分标准续航升级版Model 3安装的硬件为HW2.5。特斯拉方面称，随着产能以及供应链恢复，将按计划陆续为控制器硬件为HW2.5的中国制造标准续航升级版Model 3的车主提供免费更换HW3.0的服务。“我们的工作人员会主动联系已安装HW2.5硬件的车主，为其安排免费更换事宜。”上述特斯拉相关工作人员表示，目前受新冠肺炎疫情影响，相关配件还不能及时供应，就算现在承诺给国产Model 3车主更换，也还需等一段时间。图片来源：特斯拉官微针对特斯拉所说的为国产Model 3车主免费更换HW3.0硬件之事，车主们态度不一。有车主表示：“知错能改，善莫大焉。”但更多的车主则表示，“特斯拉这一行为，就是承认欺骗消费者了。”作为Model 3搭载的主要芯片，HW3.0硬件负责提供FSD （Full Self-Driving computer）功能。特斯拉中国官网显示，选装FSD功能价格需要支付5.6万元。“大家就是冲着这一功能才买的，如果知道国产安装HW3.0芯片，而进口车只搭载HW2.5硬件，相信买的时候没多少人会选进口Model 3了。”一名特斯拉车主对记者说。不过，按照特斯拉的解释，现阶段如果没有选装FSD功能，搭载HW2.5的Model 3车型与搭载HW3.0的Model 3车型在驾乘体验和使用安全上基本不存在区别。“HW2.5和HW3.0的区别主要体现在后续相关功能升级上，如识别红绿灯、识别‘雪糕筒’（即交通隔离桩桶）等功能，仅有搭载HW3.0硬件的车才可实现。”上述特斯拉相关工作人员表示，就目前特斯拉开放的自动驾驶辅助等功能来看，搭载两个版本的车型暂没有任何区别。图片来源：每经记者 蘧毛毛 摄记者了解到，HW2.5 使用的计算平台是由英伟达定制的 Drive PX2 计算平台，而 HW3.0 用的是以自研FSD芯片为核心的新计算平台。HW3.0实现了2300帧每秒的图像处理能力，是HW2.5的21倍。对于特斯拉这一操作，相关法律人士认为，特斯拉国产Model 3标准续航后驱升级版车辆的“环保信息随车清单”中注明该车整车控制器为1462554（HW3.0），而交付给消费者的则为1465773（HW2.5）。特斯拉在生产中更换HW3.0硬件，并把装有HW2.5硬件的车辆交付给消费者，在没有告知消费者的前提下，更改了交付内容。这在合同关系中，属于合同违约行为。进口Model 3也存在“减配”“去年年底提的进口版Model 3，当时特斯拉销售员告诉我，这辆车搭载的是HW3.0硬件，但我在体验时候发现，我的车并不具备‘雪糕筒’辨识能力。”一位进口Model 3车主告诉记者。实际上，早在去年12月，这位进口Model 3车主就发现自己的车辆存在“减配”，并向特斯拉提出申请，要求给说法，但时间已过去3个月了，特斯拉方面仍未给出解决办法。记者了解到，在一个近400人的“Model 3 进口车”微信群里，多数车主均与上述进口Model 3车主情况相同。截至记者发稿时，记者了解到该群已有数十人向各投诉平台投诉、举报。上述进口Model 3车主认为，这次国产车Model 3整车控制器代码与环保信息随车清单标注上不一致，是车主有确凿的证据，特斯拉方面没否认才采取的措施，他们这批购买进口Model 3的车主，或许会因为没有实际证据，就这样不了了之。图片来源：视觉中国记者了解到，此次特斯拉“减配”并不仅限于整车控制器代码与环保信息随车清单标注不一致。有车主爆料，“国产Model 3前排扶手下面也减配了，从搪塑变成了硬塑料。”甚至有车主在特斯拉官微下面留言问：“还有门板改硬塑料的事情不用解释和给个说法吗？”上述特斯拉相关工作人员告诉记者，就算出现这种情况，也并不是如外界所说的“减配”，仅是采用了不同配料而已。“进口高配的车型价格超50万元，国产车才30多万元，两款车价格相差了近一倍，在某种配置上有一定差距是应该的。不同款车型，采用的配料也肯定不一样。”不仅门板改用了硬塑料，变“糙”了，特斯拉进口Mode 3和国产Model 3的做工也让不少车主不能容忍。“提车到现在，4个月进了特斯拉售后服务店6次。”上述进口Model 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早点休息吧。","images":[{"img":"https://static.tigerbbs.com/78c072379cd720a49aa3a8e31db3e6f4","width":"922","height":"530"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":9,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/980765842","isVote":1,"tweetType":1,"viewCount":1272,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"CN","totalScore":0},{"id":964764298,"gmtCreate":1584459641114,"gmtModify":1704354335342,"author":{"id":"3503986919995244","authorId":"3503986919995244","authorIdStr":"3503986919995244","name":"小虎2776","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/NIO\">$蔚来(NIO)$</a>都是中概。。。。","listText":"<a 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20:57","market":"sh","language":"zh","title":"“巨象起舞”的归宿：京东物流IPO不会只是传说","url":"https://stock-news.laohu8.com/highlight/detail?id=2088082202","media":"电商报","summary":"提及国内独角兽，阿里旗下的蚂蚁集团、阿里健康以及京东旗下的京东物流，绝对榜上有名。而在快递界，有可能与“快递一哥”顺丰抗衡的，恐怕只有京东物流这只“大象”。据路透社今日消息，知 ...","content":"<html><body><div>\n<p>　　提及国内独角兽，阿里旗下的<a href=\"https://laohu8.com/S/06688\">蚂蚁集团</a>、<a href=\"https://laohu8.com/S/00241\">阿里健康</a>以及<a href=\"https://laohu8.com/S/JD\">京东</a>旗下的京东物流，绝对榜上有名。</p><p>　　而在快递界，有可能与“快递一哥”顺丰抗衡的，恐怕只有京东物流这只“大象”。</p><p>　　据路透社今日消息，知情人士透露，京东物流将于2021年上半年启动香港IPO，筹资至多30亿美元，估值约为400亿美元（约为2623亿人民币）。</p><p>　　上市之时，市场给顺丰的估值为433亿元，目前顺丰的市值超过3600亿元。虽然以此来看，京东物流上市之后可能与顺丰有1000亿的差距，但再看前不久成功赴港二次上市的通达系一哥――<a href=\"https://laohu8.com/S/ZTO\">中通快递</a>的市值也仅约为1629亿人民币（约1926亿港元），京东物流就成了最大的潜力股。</p><p>　　毕竟，京东物流也并不是从未赶超顺丰。《2019年度快递品牌排行榜》显示，京东物流位列第二，领先顺丰一个名次。</p><p>　　梳理京东物流的发展历程发现，京东物流成立时间虽仅有三年，但成立之初已经有了十年的物流行业从业经验。</p><p>　　早在2007年，刘强东便率先在自建物流方面投入了不少的精力，京东物流也由此诞生。2012年8月，北京京邦达贸易有限公司注册成立，则意味着京东物流开始以公司这一“躯壳”合法化经营。但严格意义上来说，2017年4月，京东物流集团的正式成立，才是京东集团正式以“京东物流”这一品牌身份进军物流界。</p><p>　　公开身份之后，2017年至2019年三年间，京东物流以60.22亿元、146.65亿元、239.32亿元的营收稳步增长。不过，这三年，京东物流并未实现盈利，分别亏损20.7亿元、51.37亿元和10.22亿元，三年累计亏损达82.29亿元。但可以明显看到，2019年亏损大幅收窄，整体利润达成率178%。</p><p>　　值得一提的是，2017年京东物流初步订立的目标是在2022左右年实现50％的营收来自于外部市场。但早在今年1月份，京东物流的外部收入占比就已经超过了40％，超期完成了目标，堪称大象起舞。</p><p>　　并且，截至2020年9月30日，京东物流及其他服务收入约104.03亿元，同比增长73%，大幅超过上一季度的55%。</p><p>　　俨然，京东物流目前已呈现高速发展之势，照此趋势来看，京东物流未来实现盈利是大概率事件。</p><p>　　实际上，从年初至今京东物流的屡屡动作也可以预知一二。今年8月，30亿元收购跨越速运之后，京东物流宣布完成使命愿景、组织架构和品牌形象三大升级，“JDL京东物流”全新形象首次公开亮相；10月，“JDL京东物流科技”品牌首次发布。11月25日，京东物流还发布了物流科技产品“京慧”，据称可帮助企业节约物流费用10%以上，库存周转天数由75天降至45天。</p><p>　　在人才方面，京东物流也没有松懈。10月30日，京东物流表示，将在现有覆盖全国的20余万名员工的基础上，第四季度针对基层管理者以及仓储员快递员等一线岗位面向全国扩招15000人。12月3日，京东集团还称，京东物流将招聘超1万人，以储备、培养基层管理人才。</p><p>　　如此大动干戈地做人才储备工作，无非就是业务扩张计划的需要。可以猜测到，京东物流接下来还将要有大动作。</p><p>　　那么，京东物流上市则是其战略之中。刘强东曾放话，京东物流未来将独立上市。作为京东集团孵化京东数科、<a href=\"https://laohu8.com/S/06618\">京东健康</a>之外的第三只独角兽企业，并且，也是京东集团旗下今年有IPO消息的第三家子公司，京东数科、京东健康上市消息传出之后不久便纷纷启动上市议程。</p><p>　　而关于京东物流IPO的市场传闻，早在2019年12月便有爆料。彼时消息称，募资规模可能达到80至100亿美元，目标估值至少300亿美元。当下市场闻风而动，京东物流IPO传闻再度传出，按照以往大企业IPO的剧本来看，京东物流上市自然就不远了。</p>\n<p><strong>关注<a href=\"https://laohu8.com/S/300033\">同花顺</a>财经（ths518），获取更多机会</strong></p>\n<span></span>\n<div><span>责任编辑：wyj</span></div>\n</div></body></html>","source":"tonghuashun","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>“巨象起舞”的归宿：京东物流IPO不会只是传说</title>\n<style 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}\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n“巨象起舞”的归宿：京东物流IPO不会只是传说\n</h2>\n\n<h4 class=\"meta\">\n\n\n2020-12-03 20:57 北京时间&nbsp;&nbsp;&nbsp;<a href=http://stock.10jqka.com.cn/hks/20201203/c625149910.shtml><strong>电商报</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>提及国内独角兽，阿里旗下的蚂蚁集团、阿里健康以及京东旗下的京东物流，绝对榜上有名。　　而在快递界，有可能与“快递一哥”顺丰抗衡的，恐怕只有京东物流这只“大象”。　　据路透社今日消息，知情人士透露，京东物流将于2021年上半年启动香港IPO，筹资至多30亿美元，估值约为400亿美元（约为2623亿人民币）。　　上市之时，市场给顺丰的估值为433亿元，目前顺丰的市值超过3600亿元。虽然以此来看，...</p>\n\n<a href=\"http://stock.10jqka.com.cn/hks/20201203/c625149910.shtml\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/e723da7a3701993fab850969ee288920","relate_stocks":{"QNETCN":"纳斯达克中美互联网老虎指数","JD":"京东"},"source_url":"http://stock.10jqka.com.cn/hks/20201203/c625149910.shtml","is_english":false,"share_image_url":"https://static.laohu8.com/f0343184bd9b9c963ed02b302442e2b8","article_id":"2088082202","content_text":"提及国内独角兽，阿里旗下的蚂蚁集团、阿里健康以及京东旗下的京东物流，绝对榜上有名。　　而在快递界，有可能与“快递一哥”顺丰抗衡的，恐怕只有京东物流这只“大象”。　　据路透社今日消息，知情人士透露，京东物流将于2021年上半年启动香港IPO，筹资至多30亿美元，估值约为400亿美元（约为2623亿人民币）。　　上市之时，市场给顺丰的估值为433亿元，目前顺丰的市值超过3600亿元。虽然以此来看，京东物流上市之后可能与顺丰有1000亿的差距，但再看前不久成功赴港二次上市的通达系一哥――中通快递的市值也仅约为1629亿人民币（约1926亿港元），京东物流就成了最大的潜力股。　　毕竟，京东物流也并不是从未赶超顺丰。《2019年度快递品牌排行榜》显示，京东物流位列第二，领先顺丰一个名次。　　梳理京东物流的发展历程发现，京东物流成立时间虽仅有三年，但成立之初已经有了十年的物流行业从业经验。　　早在2007年，刘强东便率先在自建物流方面投入了不少的精力，京东物流也由此诞生。2012年8月，北京京邦达贸易有限公司注册成立，则意味着京东物流开始以公司这一“躯壳”合法化经营。但严格意义上来说，2017年4月，京东物流集团的正式成立，才是京东集团正式以“京东物流”这一品牌身份进军物流界。　　公开身份之后，2017年至2019年三年间，京东物流以60.22亿元、146.65亿元、239.32亿元的营收稳步增长。不过，这三年，京东物流并未实现盈利，分别亏损20.7亿元、51.37亿元和10.22亿元，三年累计亏损达82.29亿元。但可以明显看到，2019年亏损大幅收窄，整体利润达成率178%。　　值得一提的是，2017年京东物流初步订立的目标是在2022左右年实现50％的营收来自于外部市场。但早在今年1月份，京东物流的外部收入占比就已经超过了40％，超期完成了目标，堪称大象起舞。　　并且，截至2020年9月30日，京东物流及其他服务收入约104.03亿元，同比增长73%，大幅超过上一季度的55%。　　俨然，京东物流目前已呈现高速发展之势，照此趋势来看，京东物流未来实现盈利是大概率事件。　　实际上，从年初至今京东物流的屡屡动作也可以预知一二。今年8月，30亿元收购跨越速运之后，京东物流宣布完成使命愿景、组织架构和品牌形象三大升级，“JDL京东物流”全新形象首次公开亮相；10月，“JDL京东物流科技”品牌首次发布。11月25日，京东物流还发布了物流科技产品“京慧”，据称可帮助企业节约物流费用10%以上，库存周转天数由75天降至45天。　　在人才方面，京东物流也没有松懈。10月30日，京东物流表示，将在现有覆盖全国的20余万名员工的基础上，第四季度针对基层管理者以及仓储员快递员等一线岗位面向全国扩招15000人。12月3日，京东集团还称，京东物流将招聘超1万人，以储备、培养基层管理人才。　　如此大动干戈地做人才储备工作，无非就是业务扩张计划的需要。可以猜测到，京东物流接下来还将要有大动作。　　那么，京东物流上市则是其战略之中。刘强东曾放话，京东物流未来将独立上市。作为京东集团孵化京东数科、京东健康之外的第三只独角兽企业，并且，也是京东集团旗下今年有IPO消息的第三家子公司，京东数科、京东健康上市消息传出之后不久便纷纷启动上市议程。　　而关于京东物流IPO的市场传闻，早在2019年12月便有爆料。彼时消息称，募资规模可能达到80至100亿美元，目标估值至少300亿美元。当下市场闻风而动，京东物流IPO传闻再度传出，按照以往大企业IPO的剧本来看，京东物流上市自然就不远了。\n关注同花顺财经（ths518），获取更多机会\n\n责任编辑：wyj","news_type":1},"isVote":1,"tweetType":1,"viewCount":1663,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":306522422,"gmtCreate":1604418455166,"gmtModify":1703833066079,"author":{"id":"3503986919995244","authorId":"3503986919995244","authorIdStr":"3503986919995244","name":"小虎2776","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"然后就是打擦边球，结果还太得瑟了。","listText":"然后就是打擦边球，结果还太得瑟了。","text":"然后就是打擦边球，结果还太得瑟了。","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/306522422","repostId":"1119290564","repostType":4,"repost":{"id":"1119290564","pubTimestamp":1604414986,"share":"https://www.laohu8.com/m/news/1119290564?lang=&edition=full","pubTime":"2020-11-03 22:49","market":"hk","language":"zh","title":"蚂蚁十日：从马云喊话监管开始，以蚂蚁暂缓上市结束","url":"https://stock-news.laohu8.com/highlight/detail?id=1119290564","media":"北京商报","summary":"11月3日，又将是个不眠夜，只差临门一脚的蚂蚁上市，再次生变。当日晚间，上交所及港交所突发公告：暂缓蚂蚁上市。短短数字，足以引发舆论震荡，牵动蚂蚁神经。事实上，就在暂缓上市的前一夜，蚂蚁被监管多面“镣","content":"<div>\n<p>11月3日，又将是个不眠夜，只差临门一脚的蚂蚁上市，再次生变。当日晚间，上交所及港交所突发公告：暂缓蚂蚁上市。短短数字，足以引发舆论震荡，牵动蚂蚁神经。事实上，就在暂缓上市的前一夜，蚂蚁被监管多面“镣铐”，一面是央行、银保监会等四部门罕见联合约谈，一面是网络小贷新规处处“扼喉”，此外还有官员直指“花呗”“借呗”侵害消费者权益。监管五指山拍下之前，蚂蚁IPO也曾进行得火热，网上发行有效申购户数516...</p>\n\n<a href=\"https://mp.weixin.qq.com/s/VJ7U3kS2Eh2BOYE4B1YEAA\">Web Link</a>\n\n</div>\n","source":"BJSB","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>蚂蚁十日：从马云喊话监管开始，以蚂蚁暂缓上市结束</title>\n<style 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margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n蚂蚁十日：从马云喊话监管开始，以蚂蚁暂缓上市结束\n</h2>\n\n<h4 class=\"meta\">\n\n\n2020-11-03 22:49 北京时间&nbsp;&nbsp;&nbsp;<a href=https://mp.weixin.qq.com/s/VJ7U3kS2Eh2BOYE4B1YEAA><strong>北京商报</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>11月3日，又将是个不眠夜，只差临门一脚的蚂蚁上市，再次生变。当日晚间，上交所及港交所突发公告：暂缓蚂蚁上市。短短数字，足以引发舆论震荡，牵动蚂蚁神经。事实上，就在暂缓上市的前一夜，蚂蚁被监管多面“镣铐”，一面是央行、银保监会等四部门罕见联合约谈，一面是网络小贷新规处处“扼喉”，此外还有官员直指“花呗”“借呗”侵害消费者权益。监管五指山拍下之前，蚂蚁IPO也曾进行得火热，网上发行有效申购户数516...</p>\n\n<a href=\"https://mp.weixin.qq.com/s/VJ7U3kS2Eh2BOYE4B1YEAA\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/e0c7c58ed9ebd40d173fc04d83798449","relate_stocks":{"06688":"蚂蚁集团"},"source_url":"https://mp.weixin.qq.com/s/VJ7U3kS2Eh2BOYE4B1YEAA","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1119290564","content_text":"11月3日，又将是个不眠夜，只差临门一脚的蚂蚁上市，再次生变。当日晚间，上交所及港交所突发公告：暂缓蚂蚁上市。短短数字，足以引发舆论震荡，牵动蚂蚁神经。事实上，就在暂缓上市的前一夜，蚂蚁被监管多面“镣铐”，一面是央行、银保监会等四部门罕见联合约谈，一面是网络小贷新规处处“扼喉”，此外还有官员直指“花呗”“借呗”侵害消费者权益。监管五指山拍下之前，蚂蚁IPO也曾进行得火热，网上发行有效申购户数516万户，创科创板新高；申购金额19.05万亿元，刷A股最高纪录；拟筹2312亿元，成为全球最大IPO……每一个数据、每一次进展，都足以成为媒体关注的头条、公众热议的焦点。一面是IPO屡次“创纪录”，一面是监管风暴强势压顶，自马云外滩金融峰会喊话十日以来，蚂蚁屡次被置于风口浪尖，可谓跌宕起伏。投资者最为关切的是，监管紧箍下，蚂蚁IPO能否重启，又该如何进一步规范业务，仍待蚂蚁给出答案。（图片来源：视觉中国）01沪港两地IPO被紧急“熄火”按照原定计划，蚂蚁将于11月5日在沪港两地同步挂牌上市。为了这个全球最大IPO，蚂蚁已准备良久。从8月25日公布招股文件、9月18日闪电过会、10月26日揭开发行价悬念，再至10月29日A股火热打新，在业内看来，蚂蚁IPO的每一步都走出了“加速度”。然而上市前夕，敲钟未至，蚂蚁却先收到了来自监管的“大礼包”。11月3日晚，上交所首页公告称，决定蚂蚁公司暂缓上市。理由为，蚂蚁实际控制人及董事长、总经理被有关部门联合进行监管约谈，且公司也报告所处的金融科技监管环境发生变化等重大事项。该重大事项可能导致蚂蚁不符合发行上市条件或者信息披露要求。与此同时，港交所也公告称，暂缓蚂蚁H股上市。该突发缘起于11月2日晚，据证监会官方发布，当日，央行、银保监会、证监会、国家外汇管理局联合对蚂蚁实际控制人马云、董事长井贤栋、总裁胡晓明进行了监管约谈。巧合的是，约谈一事公布后不到半小时，银保监会官方再发消息，就《网络小额贷款业务管理暂行办法（征求意见稿）》公开征求意见（以下简称“新规”）。其中，无论是从原则上禁止跨省展业规定，还是联合贷款出资不得低于三成等条例来看，均足以对蚂蚁小贷业务构成重击。要注意的是，目前，小贷业务是蚂蚁主营业务之一。据招股书披露，蚂蚁营收的增长主要来源于数字金融科技平台，该平台又由微贷科技平台、理财科技平台、保险科技三大块构成，其中，微贷科技平台以39.41%的占比居首，也就意味着，贷款类业务在蚂蚁的细分收入中占据了绝对地位。原本火热进行的A+H股IPO突然“熄火”，业内对此颇为唏嘘。而投资者“吃瓜”之余，最为关心的是，上市暂缓后，蚂蚁是否还有继续上市可能？针对暂缓上市一事，北京商报记者向蚂蚁方面采访，但截至发稿未获得回应。在部分人士看来，目前，蚂蚁后续能否继续上市暂无定论，但可以预见的是，暂缓上市、监管约谈和网络小贷新规或将改变蚂蚁的估值逻辑。正如麻袋研究院高级研究员苏筱芮所称，如果单纯不符合信息披露要求，按照监管规定披露以后还可以继续上市；但如果被监管认定为“不符合发行上市条件”，那么后续走向存疑。金融行业资深分析师王蓬博则进一步称，上交所要求蚂蚁进行风险说明，且要求对上市所处金融科技监管环境改变做出评估，完全合理合规，从保护股民，提示风险的出发点也应该暂缓。但暂缓不等于退出，相信只要符合上交所条件，仍然有继续上市的可能。不过从大的环境来看，可能会改变蚂蚁的上市进程，包括相对应的估值逻辑。此外，联储证券研究员马炜也认为，尽管上交所暂缓蚂蚁上市，但补足披露信息后，蚂蚁或可继续上市。一方面，蚂蚁在上市前，接受最强的监管，也是题中应有之意。蚂蚁是中国最大的线上消费信贷和小微经营者信贷平台，对金融科技的监管绕不开蚂蚁，对小贷市场的监管同样绕不过蚂蚁。此次监管风暴可以说因蚂蚁而起，也可以说对整个行业的监管风暴。不过，也有观点认为，尽管上市暂缓，但后续继续上市毫无悬念。正如券商投行资深人士何南野指出，上市暂缓，一是为了呼应四部门约谈后的监管精神，对蚂蚁上市进行更加严格的审核，二是近期一系列新政策的出台，对蚂蚁的经营造成了一定的不确定性，客观上也需要暂缓，并充分向投资者披露风险后，才方便推进下一步的工作。“从目前看，蚂蚁上市是无悬念的，只要充分披露风险，并积极根据监管精神进行内部整改，上市还是没有任何问题的。”何南野称。02花呗、借呗等产品被戴“紧箍”上市前两日被紧急叫停，四大重量级部门联合约谈，此案例鲜少有之。在业内看来，蚂蚁此次遭遇的监管风暴，导火索在于10月24日马云在外滩金融峰会上的仗“蚁”直言，他喊话国内金融监管大谈创新，批判银行是当铺思想，称巴塞尔协议是“老人俱乐部”，可谓是语惊四座，也在金融行业引发了巨大争议。马云发言十日来，蚂蚁已被屡次置于风口。监管“高规格”约谈，小贷业务再受约束，一切看似突然，但实则早已有迹可循。一个重要的信号是，10月31日，国务院金融稳定发展委员会专题会议强调，“既要鼓励创新、弘扬企业家精神，也要加强监管，依法将金融活动全面纳入监管，有效防范风险”。虽未点名，但在业内看来也有对马云言辞的隔空回应之意。与此同时，央行行长易纲近期也在多个场合公开表态大型科技公司创新风险。作为金融游戏规则的改变者，大型科技公司虽然提高了金融服务水平，改善了偏远地区的服务需求，但个人隐私保护、企业商业秘密保护、数据鸿沟等问题却亟待解决。值得一提的是，银保监会消费者权益保护局局长郭武平11月2日也发文称，无论是持牌金融机构还是新兴金融科技公司，都必须保护好金融消费者权益。但相对而言，对于金融科技公司的消费者权益保护，目前缺乏明确规则和要求，出现了监管套利行为，与持牌金融机构形成不当竞争，最终难以有效保障金融消费者权益。郭武平还指出，金融机构与科技公司合作中，资金大部分来源于金融机构，但是金融科技公司利用寡头垄断地位收取过高费用，增加了金融消费者成本。此外，郭武平点名道，在收费方面，金融科技公司缺乏统一标准，一般高于持牌金融机构。比如“花呗”与银行信用卡业务基本相同，但分期手续费高于银行，与其普惠金融理念不符，实际上是“普而不惠”。蚂蚁如今面临的监管挑战着实不小。正如苏筱芮所称，网络小贷牌照、消费金融牌照由银保监会管，金融控股公司归央行管，而蚂蚁目前的主要风险点就在网络小贷和金控这两个业态上，尤其是金控这块还有很多配套细则尚未公布，监管后续的手段中还有很多可发挥的空间。监管加码，对蚂蚁构成实质性冲击，尤其是花呗、借呗类业务将戴“紧箍”。王蓬博进一步指出，除了监管挑战和个人数据隐私保护外，蚂蚁赖以生存的支付基础也将面临挑战。如果互联互通继续推进，类似美团、滴滴等场景掌控力度较强的平台，如果发力支付闭环，蚂蚁的用户和商户基础就有可能受到挑战，这些都可能会对蚂蚁的业务产生影响，进而对蚂蚁的利润增速造成冲击。不过，目前网络小贷新规还在征求意见阶段，一切仍尚有变数。马炜认为，蚂蚁和监管的博弈仍未结束。不过，所有的新金融归根到底还是落在金融上，金融监管的创新是有边界的，蚂蚁必须接受和融入现代金融监管的主流标准。要解决金融科技创新的风险，业务的发展和创新都应当遵循金融监管的规则，在不超过金融监管边界的前提下规范创新。03微贷科技业务模式或将进行调整实际上，蚂蚁此前也曾在招股书中作出相关风险提示，包括“公司的微贷科技平台无法维持高速增长的风险”“公司的微贷科技平台业务依赖与金融机构合作的风险”等。具体来看，如遇到未能完全合规经营、无法保持合作金融机构对平台的信任、无法达到合作金融机构的预期、无法有效监控信贷风险及提供催收服务等情况时，蚂蚁将面临合作金融机构数量减少等境况。除了业务过度依赖合作机构外，蚂蚁称，其互助项目尚不作为保险产品被监管，但是不排除未来监管机构对类似相互宝的产品实施监管，从而增加相互宝产品合规的复杂性并大幅提高合规成本。无法有效保障数据安全和隐私保护亦是一大挑战。蚂蚁称，公司在业务过程中收集并处理大量用户信息，并对用户信息进行分析，形成用户画像、人群特征等信息。如果公司的用户信息被第三方不当获取、使用或披露，公司将可能面临消费者、商家、合作金融机构及其他平台参与方流失、对公司平台失去信心及信任的风险，甚至可能面临诉讼、监管调查或罚款，这种情况将严重损害公司的声誉，并对公司的业务、财务状况及经营成果造成不利影响。“正如蚂蚁所言，其业务高度依赖与金融机构合作。”苏筱芮指出，后续，蚂蚁可加大纯科技业务的比重，尽快将蚂蚁链等规模化、商业化，用真正的技术驱动来回应市场对科技公司身份的质疑；此外，可在金融监管框架内继续发挥自身的牌照作用，接受持牌机构存在严格杠杆率约束的现实，按照过往持牌金融机构的标准来继续展业。“在IPO之前监管落地，实际上是对蚂蚁未来的不确定性有了确定的说法。”王蓬博进一步称，今后，很多中小网贷公司运营门槛将被抬高，但借款人需求依然存在，这部分需求只能由蚂蚁这种被规范以后仍有资金能力的机构来操作，这反而有利于市场集中。当蚂蚁已经成长为今天的体量，业务拥抱监管才是一个正确的方向。“具体来看，业务方向上肯定要首先落实监管要求，在此前出台的各项法规框架下合规经营。对目前监管质疑较大的数据和用户保护问题要加强重视。费率问题也要有一个明显的普惠方向的改善，只有真正对消费者让利，而不是凭借场景触达优势绑定。”在王蓬博看来，若蚂蚁的优势在于触达、让金融更便捷，那后续如何保持这种原发优势是其需要考虑的方向。此外，对支付行业的竞争仍然要保持敏感，如何面对行业竞争，利用科技手段去开拓更多的信用场景和发展B端企业服务，助力实体经济产业数字化转型才是真正值得探讨的方向。零壹研究院院长于百程则认为，蚂蚁一方面需要重新申请全国牌照，另一方面联合贷款出资比例等造成的业务杠杆限制，对于其业务增长的影响也可能最为直接。待新规正式落地，蚂蚁的微贷科技业务模式将进行调整。不过综合看，蚂蚁若上市后资金储备丰富，后续也可能采取其他比如消费金融公司牌照，或者用纯科技服务的方式进行微贷科技业务。","news_type":1},"isVote":1,"tweetType":1,"viewCount":1425,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":965259748,"gmtCreate":1584020236784,"gmtModify":1704352522029,"author":{"id":"3503986919995244","authorId":"3503986919995244","authorIdStr":"3503986919995244","name":"小虎2776","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"<a 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