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Jeffxuan
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Jeffxuan
2021-04-30
$Farmmi, Inc.(FAMI)$
0.3买不了吃亏买不上当
Jeffxuan
2021-04-30
$Farmmi, Inc.(FAMI)$
近期应该不会再有黑天鹅了 公司也不啥 再黑天鹅就退市了
Jeffxuan
2021-04-29
$Farmmi, Inc.(FAMI)$
700多万的大单在那挂着就是故意的 让你们割肉 他要真想这么低价卖 不会挂那让我看的 直接砸下来了早
Jeffxuan
2021-04-29
$Farmmi, Inc.(FAMI)$
主要是现在谁会在这个价格卖啊 投资者又不是傻都亏这么多了还卖?留着捧进棺材也不卖啊... 有本事退市 拉低均价还差不多
Jeffxuan
2021-04-29
$逸仙电商(YSG)$
暂时还是先不要碰 超大单逃出
Jeffxuan
2021-04-16
$亿邦国际(EBON)$
拉高出货 老套路了 现在不跑什么时候跑 开盘就没这个价了
Jeffxuan
2021-04-12
利好啊 说明整改完就可以上市了 有好过无!
蚂蚁集团回应再被约谈:以整改为革新契机,更加坚定服务小微
Jeffxuan
2021-04-12
$阿里巴巴(BABA)$
🚀整改完继续上市 紧跟步伐!
Jeffxuan
2021-04-11
$阿里巴巴(BABA)$
希望粑粑变爸爸[得意]
Jeffxuan
2021-04-10
$跟谁学(GSX)$
空头和拉总做对?不知好歹
Jeffxuan
2021-04-10
$跟谁学(GSX)$
冲冲冲 抄了个底
Jeffxuan
2021-04-06
$嘉楠科技(CAN)$
小心下一个ebon就你了 中概股比特币千万别碰 要出快出
Jeffxuan
2021-04-02
$SOS Limited(SOS)$
看来是利好
Jeffxuan
2021-03-30
$Palantir Technologies Inc.(PLTR)$
虽然我看好这家公司 但是好公司不一定是个好投资 逢低买入了好多次 这次真的撤了 累了
Jeffxuan
2021-03-25
$Palantir Technologies Inc.(PLTR)$
pltr有vx群吗?这天天跌的 想来点精神支柱
Jeffxuan
2021-03-24
$Palantir Technologies Inc.(PLTR)$
看看rlx心情好多了[微笑]
Jeffxuan
2021-03-19
$纳斯达克(.IXIC)$
灯都被你玩坏了
Jeffxuan
2021-03-19
$Palantir Technologies Inc.(PLTR)$
灯都被你玩坏了
Jeffxuan
2021-03-19
$Palantir Technologies Inc.(PLTR)$
对于长期的价值股来说 每次暴跌都是加仓的好机会
Jeffxuan
2021-03-19
$Palantir Technologies Inc.(PLTR)$
求求你快跌吧!
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开盘就没这个价了","text":"$亿邦国际(EBON)$拉高出货 老套路了 现在不跑什么时候跑 开盘就没这个价了","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/370853927","isVote":1,"tweetType":1,"viewCount":1097,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":342262682,"gmtCreate":1618222909846,"gmtModify":1618222909846,"author":{"id":"3577712744088042","authorId":"3577712744088042","name":"Jeffxuan","avatar":"https://static.tigerbbs.com/072b49f28a71cf478fdceea63110ab5f","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3577712744088042","authorIdStr":"3577712744088042"},"themes":[],"htmlText":"利好啊 说明整改完就可以上市了 有好过无!","listText":"利好啊 说明整改完就可以上市了 有好过无!","text":"利好啊 说明整改完就可以上市了 有好过无!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/342262682","repostId":"1130075618","repostType":4,"repost":{"id":"1130075618","kind":"news","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":1618224537,"share":"https://www.laohu8.com/m/news/1130075618?lang=&edition=full","pubTime":"2021-04-12 18:48","market":"hk","language":"zh","title":"蚂蚁集团回应再被约谈:以整改为革新契机,更加坚定服务小微","url":"https://stock-news.laohu8.com/highlight/detail?id=1130075618","media":"老虎资讯综合","summary":"2020年12月26日,金融管理部门对蚂蚁集团提出五项重点业务领域的整改要求,蚂蚁集团高度重视整改工作的严肃性,在金融管理部门的指导下,全面对标监管要求,近期已完成整改方案的研究和制定工作。上述事项将根据监管规定及蚂蚁集团公司章程等相关约定,在履行相应程序后具体执行。","content":"<p><b>蚂蚁集团回应再被约谈:以整改为革新契机,更加坚定服务小微</b></p><p>2020年12月26日,金融管理部门对蚂蚁集团提出五项重点业务领域的整改要求,蚂蚁集团高度重视整改工作的严肃性,在金融管理部门的指导下,全面对标监管要求,近期已完成整改方案的研究和制定工作。</p><p>蚂蚁集团将整体申设金融控股公司,实现金融业务全部纳入监管;支付业务回归支付本源,坚持小额便民、服务小微定位;申设个人征信公司,依法持牌、合法合规经营个人征信业务,加强个人信息保护,有效防范数据滥用;将“借呗”“花呗”全部纳入消费金融公司,依法合规开展消费金融业务;强化消费者权益保护,加强金融消费者适当性管理;完善公司治理,遵守公平竞争的法律规则,规范关联交易,加强风险防控,营造公平竞争的市场环境,进一步增强社会责任体系建设等。上述事项将根据监管规定及蚂蚁集团公司章程等相关约定,在履行相应程序后具体执行。</p><p>蚂蚁集团深刻认识到,国家依法规范平台经济发展,将金融活动全部纳入金融监管,是站在全局高度、统筹发展与安全的重要举措,不仅有利于行业健康有序发展,也是维护公平竞争市场环境,推动高质量发展的内在要求。</p><p>蚂蚁集团将在金融管理部门的指导下,认真落实整改有关工作,确保全面规范金融业务的经营和发展,同时全力保障业务连续性和服务质量,不断提升对实体经济、小微企业和消费者的服务水平。</p><p>蚂蚁集团也将以此次整改为革新契机,更加坚定立足小微、服务实体经济的定位,坚持科技驱动、守正创新、开放共赢的发展理念,自觉把企业发展融入国家战略大局,不断加大科技创新投入,不断增强合规能力建设,不断提升国际竞争力,努力为社会创造价值,为服务“双循环”新发展格局贡献力量。</p><p>蚂蚁集团</p><p>2021年4月12日</p><p><b>央行副行长潘功胜就金融管理部门再次约谈蚂蚁集团情况答记者问</b></p><p>2021年4月12日,人民银行、银保监会、证监会、外汇局等金融管理部门再次联合约谈蚂蚁集团。中国人民银行副行长潘功胜代表四部门就约谈情况回答了记者提问。</p><p><b>问:金融管理部门再次约谈蚂蚁集团有什么考虑?</b></p><p><b>答:</b>党的十九届五中全会、中央经济工作会议及中央财经委员会第九次会议明确提出,要强化反垄断和防止资本无序扩张,切实防范风险。要从构筑国家竞争新优势的战略高度出发,建立健全平台经济治理体系,推动平台经济规范健康持续发展。</p><p>自去年12月份四部门联合监管约谈以来,蚂蚁集团建立专门团队,在金融管理部门指导下制定整改方案,积极开展整改工作。此次金融管理部门再次联合约谈蚂蚁集团有关人员,主要是要求蚂蚁集团必须正视金融业务活动中存在的严重问题和整改工作的严肃性,对标监管要求和拟定的整改方案,深入有效整改,确保实现依法经营、守正创新、健康发展;必须坚持服务实体经济和人民群众的本源,积极响应国家发展战略,在符合审慎监管要求的前提下,加大金融科技创新,提升金融科技领域的国际竞争力,在构建“双循环”新发展格局中发挥更大作用。</p><p><b>问:蚂蚁集团整改方案的主要内容是什么?</b></p><p><b>答:</b>蚂蚁集团整改工作启动以来,金融管理部门就整改措施与蚂蚁集团进行了深入沟通,并督促蚂蚁集团形成了全面可行的整改方案。</p><p>整改内容主要包括五个方面:一是纠正支付业务不正当竞争行为,在支付方式上给消费者更多选择权,断开支付宝与“花呗”“借呗”等其他金融产品的不当连接,纠正在支付链路中嵌套信贷业务等违规行为。二是打破信息垄断,严格落实《征信业管理条例》要求,依法持牌经营个人征信业务,遵循“合法、最低、必要”原则收集和使用个人信息,保障个人和国家信息安全。三是蚂蚁集团整体申设为金融控股公司,所有从事金融活动的机构全部纳入金融控股公司接受监管,健全风险隔离措施,规范关联交易。四是严格落实审慎监管要求,完善公司治理,认真整改违规信贷、保险、理财等金融活动,控制高杠杆和风险传染。五是管控重要基金产品流动性风险,主动压降余额宝余额。</p><p>金融管理部门将督促蚂蚁集团切实落实整改方案,把握好工作节奏,保持业务连续性和企业正常经营,确保广大人民群众对金融服务的体验不下降,持续提升普惠金融服务水平。</p><p><b>问:下一步金融管理部门如何加强平台企业金融监管?</b></p><p><b>答:</b>金融管理部门将坚持公平监管和从严监管原则,着眼长远、兼顾当前,补齐短板、强化弱项,促进公平竞争,反对垄断,防止资本无序扩张。一是坚持“金融为本、科技赋能”。平台企业开展金融业务应以服务实体经济、防范金融风险为本,不能使科技成为违法违规行为的“保护色”。对于违规经营行为,依法严肃查处。二是坚持金融活动全部纳入金融监管。金融业务必须持牌经营;提升监管能力和水平,优化监管框架,防范监管套利。三是坚持发展和规范并重。依法加强监管,规范市场秩序,防止市场垄断,保障数据产权及个人隐私;同时把握好平台经济发展规律,提升金融服务体验,巩固和增强平台企业国际竞争力。</p><p>金融管理部门将一如既往地坚持“两个毫不动摇”,营造公平竞争市场环境,继续支持民营资本依法开展金融科技活动,依法保护产权,弘扬企业家精神,激发民营资本的市场活力和科技创新能力。</p><p><b>问:中国金融管理部门在加强国际金融科技监管合作方面有何考虑?</b></p><p><b>答:</b>近年来,金融科技与平台经济快速发展,在提升金融服务效率和金融体系普惠性、降低交易成本方面发挥了重要作用。同时,由于其具有跨界、混业、跨区域经营等特征,风险传染速度更快、波及面更广、负面溢出效应更强,对金融监管形成了新挑战,成为世界各国监管部门共同面对的新问题。</p><p>世界主要经济体监管部门对此高度关注,并已采取实际行动,作出监管调整和政策响应。在监管理念上,遵循“同样业务、同样监管”的原则,致力于在促进金融科技发展和防范金融风险之间取得平衡。在监管方法上,探索运用大数据、云计算、人工智能等科技成果,提升风险监测感知能力和穿透式监管能力。在监管内容上,强调个人信息保护及反垄断。例如,欧盟2018年实施了《通用数据保护条例》,并加快推进《数据治理法案》;美国近年来连续发起对大型科技公司的反垄断调查;德国在2020年通过《反对限制竞争法》第十次修正案等。</p><p>中国金融管理部门愿进一步加强与国际金融组织和各国监管当局在反垄断、数据监管、运营管理、消费者保护等方面的合作,推动制定金融科技监管规范,加强监管协调,共同打造开放、包容、安全的金融科技生态环境,提升金融业创新能力,同时防范跨境监管套利和金融风险跨境传染。</p><p><b>经济日报评蚂蚁集团被再次约谈:规范发展才有平台经济更好未来</b></p><p>4月12日,金融管理部门再次联合约谈蚂蚁集团,明方向、亮态度、提要求。<img src=\"https://static.tigerbbs.com/b779c0108433f05dd43443a4e01db745\" tg-width=\"700\" tg-height=\"688\" referrerpolicy=\"no-referrer\"></p><p><b>明方向。</b>党的十九届五中全会、中央经济工作会议及中央财经委员会第九次会议提出,要强化反垄断和防止资本无序扩张。要从构筑国家竞争新优势的战略高度出发,推动平台经济规范健康持续发展。<b>这为强化平台企业金融监管、规范平台经济竞争秩序提供了行动指南和根本遵循,也为平台经济的高质量发展指明了方向</b>。将引导平台企业回归服务实体经济和人民群众的本源,更好地把握平台经济发展规律,在守正创新中进一步激发市场活力和科技创新能力。</p><p><b>亮态度。</b>一方面,鼓励、支持、推动平台企业发展的态度不会改变;另一方面,坚持公平监管和从严监管原则,促进公平竞争,反对垄断的态度更加鲜明。<b>科技不能成为平台企业的“保护色”,不能成为平台企业逾越法律、道德等规则底线的借口</b>。金融科技并未改变金融的风险属性,其“底色”仍是金融。金融业务必须持牌经营,金融活动必须全部纳入金融监管。</p><p><b>提要求。</b>健康持续发展的前提是规范。金融科技平台在提高金融服务效率和普惠性方面发挥积极作用的同时,其高速扩张也带来了“数据垄断”、破坏竞争、损害用户合法权益等严重问题。金融管理部门“立规矩”“补短板”,刻不容缓。此次约谈,<b>金融监管部门提出的针对性要求覆盖支付、个人信息保护、关联交易、公司治理及信贷、保险、理财等领域,措施明确、步骤清晰,无疑是在为整个平台经济的金融监管“打样”</b>。</p><p>蚂蚁集团整改方案的制定只是第一步,接下来蚂蚁集团还要对标整改方案,不折不扣地达到监管要求。其他平台企业也应对照监管要求,坚持以服务实体经济、防范金融风险为本,发展和规范并重,不断强化合规意识,巩固和增强国际竞争力。</p><p><b>规范发展才有平台经济更好未来。</b>我们相信,以蚂蚁集团整改为节点,平台企业将在规范中迎来一个新的起点,更加稳健、更高质量发展的大幕正徐徐拉开。</p><p><b>国是直通车:再次约谈蚂蚁集团 释放了哪些重磅信号?</b></p><p>4月12日,央行、银保监会、证监会、外汇局等金融管理部门再次联合约谈蚂蚁集团。</p><p>央行副行长潘功胜就约谈情况答记者问的信息量大,包括再次约谈蚂蚁集团的考量、蚂蚁集团的整改方案内容、如何加强平台企业的金融监管以及强化国际金融科技监管合作等。</p><p>中新社国是直通车用三个关键词,带你看懂这次最新约谈释放的重磅信号。</p><p><b>纠错</b></p><p>从“蚂蚁”发展成“大象”,蚂蚁集团抓住了金融科技加速融合的时机。然后,随着体量的变化,蚂蚁集团前期野蛮生长积累的问题逐渐暴露。究竟有哪些严重问题,在今天潘功胜答记者问中,都能找到。</p><p>例如,支付业务存在不正当竞争行为;信息垄断,侵犯个人隐私,损害消费者合法权益;传统金融业务组合包装,规避金融监管,扩大金融风险;资本快速无序扩张形成垄断地位,破坏公平竞争秩序等。</p><p>将方向“跑偏”了的公司拉回正轨,纠错恰逢其时。</p><p>对照问题清单,蚂蚁集团应不折不扣落实整改,未来更要将监管要求内化成企业经营管理的“肌肉记忆”,视作企业发展的“生命线”,尤其是在服务众多消费者和小微企业的情况下,必须以更高的安全水平、更严的规范准则要求自己。</p><p>问题清单在其他平台企业也有共性。推动平台企业自我检视问题,积极主动整改,也是这份答记者问的深意。</p><p><b>立规</b></p><p>鼓励金融科技创新,提升金融服务效率,中国金融发展的方向是明确的。但所有创新,必须在符合审慎监管的前提下进行,这个规矩不容破坏,也只有如此,金融科技才能健康发展。</p><p>监管层这次回应了外界关心的三大关切。</p><p><b>如此严管只针对蚂蚁集团吗?</b></p><p>着眼长远、兼顾当前,补齐短板、强化弱项,应该说,金融活动要全部纳入金融监管的思路十分清晰。</p><p>而潘功胜的此次回答也强调,金融管理部门将坚持“公平监管”和“从严监管”原则。换言之,任何一家企业只要涉及金融业务,金融管理部门就必然公平地实施严管。</p><p>看看今年以来各监管部门在规范互联网存贷款业务、加强支付机构监管等方面的措施频频推出,无一不传递出着手扎紧金融科技发展制度笼子的信号。</p><p><b>如此严管会让创新停滞吗?</b></p><p>潘功胜直言,要坚持“金融为本、科技赋能”。平台企业开展金融业务应以服务实体经济、防范金融风险为本,不能使科技成为违法违规行为的“保护色”。</p><p>符合监管规则的创新仍可以畅通无阻,中国的创新与监管永远不是“二选一”,创新犹如驱动发展的马车,而监管则是马车上的缰绳,配上缰绳的马车才能沿着正确的方向行稳致远。</p><p><b>如此严管只在中国出现吗?</b></p><p>金融与科技加速融合带来新挑战不仅在中国,“赢家通吃”造成的市场垄断和不公平竞争,过度采集客户数据给个人隐私安全形成的威胁等同样引发了主要经济体监管部门的警惕和响应。</p><p>从监管理念的讨论,到监管方法的探索,再到监管内容的细化,主要经济体先后出台若干直接针对大型科技公司的法律法规,大数据、人工智能等科技元素也更多地运用在监管实践中,以提升监管能力。</p><p>就像美国互联网大公司微软、亚马逊等都曾因垄断问题多次出现在听证会上,它们在美国本土和欧洲地区所缴纳的罚款也是天价;德国则在2020年通过《反对限制竞争法》第十次修正案,加强对BigTech的监管等。</p><p>潘功胜表态非常明确,中国金融管理部门愿进一步加强与国际金融组织和各国监管当局在反垄断、数据监管、运营管理、消费者保护等方面的合作,推动制定金融科技监管规范,加强监管协调,共同打造开放、包容、安全的金融科技生态环境,提升金融业创新能力,同时防范跨境监管套利和金融风险跨境传染。</p><p><b>添动力</b></p><p>整改是一项长期工作,有了全面可行的方案只是第一步,蚂蚁集团后续如何落实才是关键,而金融管理部门将会动态跟踪指导,及时评估整改效果。</p><p>该罚的要罚、该改的要改,除此之外,这次约谈给蚂蚁集团也提出新要求:必须积极响应国家发展战略;持续提升普惠金融服务水平;在符合审慎监管要求的前提下,加大金融科技创新,提升金融科技领域的国际竞争力等。</p><p>“让天下没有难做的生意”,是蚂蚁集团早期创业时给自己定下的目标。在不折不扣地落实整改方案后,希望蚂蚁能够找回自己的初心,更好地服务实体经济,也为国家发展注入动力。</p><p>蚂蚁集团只是众多平台企业、民营企业的缩影,官方释放的信号也显示出,将一如既往地鼓励民营经济发展、支持民营企业创新,民营企业家们仍可大胆放心地继续投入“真实”的创新研发,在公平竞争的市场环境下,监管将为其“护航”。</p><p>总而言之,强力监管只是手段,健康发展才是目的,让创新的红利“到群众身边去”,也要到国家发展战略中去。</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\">2021-04-12 18:48</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p><b>蚂蚁集团回应再被约谈:以整改为革新契机,更加坚定服务小微</b></p><p>2020年12月26日,金融管理部门对蚂蚁集团提出五项重点业务领域的整改要求,蚂蚁集团高度重视整改工作的严肃性,在金融管理部门的指导下,全面对标监管要求,近期已完成整改方案的研究和制定工作。</p><p>蚂蚁集团将整体申设金融控股公司,实现金融业务全部纳入监管;支付业务回归支付本源,坚持小额便民、服务小微定位;申设个人征信公司,依法持牌、合法合规经营个人征信业务,加强个人信息保护,有效防范数据滥用;将“借呗”“花呗”全部纳入消费金融公司,依法合规开展消费金融业务;强化消费者权益保护,加强金融消费者适当性管理;完善公司治理,遵守公平竞争的法律规则,规范关联交易,加强风险防控,营造公平竞争的市场环境,进一步增强社会责任体系建设等。上述事项将根据监管规定及蚂蚁集团公司章程等相关约定,在履行相应程序后具体执行。</p><p>蚂蚁集团深刻认识到,国家依法规范平台经济发展,将金融活动全部纳入金融监管,是站在全局高度、统筹发展与安全的重要举措,不仅有利于行业健康有序发展,也是维护公平竞争市场环境,推动高质量发展的内在要求。</p><p>蚂蚁集团将在金融管理部门的指导下,认真落实整改有关工作,确保全面规范金融业务的经营和发展,同时全力保障业务连续性和服务质量,不断提升对实体经济、小微企业和消费者的服务水平。</p><p>蚂蚁集团也将以此次整改为革新契机,更加坚定立足小微、服务实体经济的定位,坚持科技驱动、守正创新、开放共赢的发展理念,自觉把企业发展融入国家战略大局,不断加大科技创新投入,不断增强合规能力建设,不断提升国际竞争力,努力为社会创造价值,为服务“双循环”新发展格局贡献力量。</p><p>蚂蚁集团</p><p>2021年4月12日</p><p><b>央行副行长潘功胜就金融管理部门再次约谈蚂蚁集团情况答记者问</b></p><p>2021年4月12日,人民银行、银保监会、证监会、外汇局等金融管理部门再次联合约谈蚂蚁集团。中国人民银行副行长潘功胜代表四部门就约谈情况回答了记者提问。</p><p><b>问:金融管理部门再次约谈蚂蚁集团有什么考虑?</b></p><p><b>答:</b>党的十九届五中全会、中央经济工作会议及中央财经委员会第九次会议明确提出,要强化反垄断和防止资本无序扩张,切实防范风险。要从构筑国家竞争新优势的战略高度出发,建立健全平台经济治理体系,推动平台经济规范健康持续发展。</p><p>自去年12月份四部门联合监管约谈以来,蚂蚁集团建立专门团队,在金融管理部门指导下制定整改方案,积极开展整改工作。此次金融管理部门再次联合约谈蚂蚁集团有关人员,主要是要求蚂蚁集团必须正视金融业务活动中存在的严重问题和整改工作的严肃性,对标监管要求和拟定的整改方案,深入有效整改,确保实现依法经营、守正创新、健康发展;必须坚持服务实体经济和人民群众的本源,积极响应国家发展战略,在符合审慎监管要求的前提下,加大金融科技创新,提升金融科技领域的国际竞争力,在构建“双循环”新发展格局中发挥更大作用。</p><p><b>问:蚂蚁集团整改方案的主要内容是什么?</b></p><p><b>答:</b>蚂蚁集团整改工作启动以来,金融管理部门就整改措施与蚂蚁集团进行了深入沟通,并督促蚂蚁集团形成了全面可行的整改方案。</p><p>整改内容主要包括五个方面:一是纠正支付业务不正当竞争行为,在支付方式上给消费者更多选择权,断开支付宝与“花呗”“借呗”等其他金融产品的不当连接,纠正在支付链路中嵌套信贷业务等违规行为。二是打破信息垄断,严格落实《征信业管理条例》要求,依法持牌经营个人征信业务,遵循“合法、最低、必要”原则收集和使用个人信息,保障个人和国家信息安全。三是蚂蚁集团整体申设为金融控股公司,所有从事金融活动的机构全部纳入金融控股公司接受监管,健全风险隔离措施,规范关联交易。四是严格落实审慎监管要求,完善公司治理,认真整改违规信贷、保险、理财等金融活动,控制高杠杆和风险传染。五是管控重要基金产品流动性风险,主动压降余额宝余额。</p><p>金融管理部门将督促蚂蚁集团切实落实整改方案,把握好工作节奏,保持业务连续性和企业正常经营,确保广大人民群众对金融服务的体验不下降,持续提升普惠金融服务水平。</p><p><b>问:下一步金融管理部门如何加强平台企业金融监管?</b></p><p><b>答:</b>金融管理部门将坚持公平监管和从严监管原则,着眼长远、兼顾当前,补齐短板、强化弱项,促进公平竞争,反对垄断,防止资本无序扩张。一是坚持“金融为本、科技赋能”。平台企业开展金融业务应以服务实体经济、防范金融风险为本,不能使科技成为违法违规行为的“保护色”。对于违规经营行为,依法严肃查处。二是坚持金融活动全部纳入金融监管。金融业务必须持牌经营;提升监管能力和水平,优化监管框架,防范监管套利。三是坚持发展和规范并重。依法加强监管,规范市场秩序,防止市场垄断,保障数据产权及个人隐私;同时把握好平台经济发展规律,提升金融服务体验,巩固和增强平台企业国际竞争力。</p><p>金融管理部门将一如既往地坚持“两个毫不动摇”,营造公平竞争市场环境,继续支持民营资本依法开展金融科技活动,依法保护产权,弘扬企业家精神,激发民营资本的市场活力和科技创新能力。</p><p><b>问:中国金融管理部门在加强国际金融科技监管合作方面有何考虑?</b></p><p><b>答:</b>近年来,金融科技与平台经济快速发展,在提升金融服务效率和金融体系普惠性、降低交易成本方面发挥了重要作用。同时,由于其具有跨界、混业、跨区域经营等特征,风险传染速度更快、波及面更广、负面溢出效应更强,对金融监管形成了新挑战,成为世界各国监管部门共同面对的新问题。</p><p>世界主要经济体监管部门对此高度关注,并已采取实际行动,作出监管调整和政策响应。在监管理念上,遵循“同样业务、同样监管”的原则,致力于在促进金融科技发展和防范金融风险之间取得平衡。在监管方法上,探索运用大数据、云计算、人工智能等科技成果,提升风险监测感知能力和穿透式监管能力。在监管内容上,强调个人信息保护及反垄断。例如,欧盟2018年实施了《通用数据保护条例》,并加快推进《数据治理法案》;美国近年来连续发起对大型科技公司的反垄断调查;德国在2020年通过《反对限制竞争法》第十次修正案等。</p><p>中国金融管理部门愿进一步加强与国际金融组织和各国监管当局在反垄断、数据监管、运营管理、消费者保护等方面的合作,推动制定金融科技监管规范,加强监管协调,共同打造开放、包容、安全的金融科技生态环境,提升金融业创新能力,同时防范跨境监管套利和金融风险跨境传染。</p><p><b>经济日报评蚂蚁集团被再次约谈:规范发展才有平台经济更好未来</b></p><p>4月12日,金融管理部门再次联合约谈蚂蚁集团,明方向、亮态度、提要求。<img src=\"https://static.tigerbbs.com/b779c0108433f05dd43443a4e01db745\" tg-width=\"700\" tg-height=\"688\" referrerpolicy=\"no-referrer\"></p><p><b>明方向。</b>党的十九届五中全会、中央经济工作会议及中央财经委员会第九次会议提出,要强化反垄断和防止资本无序扩张。要从构筑国家竞争新优势的战略高度出发,推动平台经济规范健康持续发展。<b>这为强化平台企业金融监管、规范平台经济竞争秩序提供了行动指南和根本遵循,也为平台经济的高质量发展指明了方向</b>。将引导平台企业回归服务实体经济和人民群众的本源,更好地把握平台经济发展规律,在守正创新中进一步激发市场活力和科技创新能力。</p><p><b>亮态度。</b>一方面,鼓励、支持、推动平台企业发展的态度不会改变;另一方面,坚持公平监管和从严监管原则,促进公平竞争,反对垄断的态度更加鲜明。<b>科技不能成为平台企业的“保护色”,不能成为平台企业逾越法律、道德等规则底线的借口</b>。金融科技并未改变金融的风险属性,其“底色”仍是金融。金融业务必须持牌经营,金融活动必须全部纳入金融监管。</p><p><b>提要求。</b>健康持续发展的前提是规范。金融科技平台在提高金融服务效率和普惠性方面发挥积极作用的同时,其高速扩张也带来了“数据垄断”、破坏竞争、损害用户合法权益等严重问题。金融管理部门“立规矩”“补短板”,刻不容缓。此次约谈,<b>金融监管部门提出的针对性要求覆盖支付、个人信息保护、关联交易、公司治理及信贷、保险、理财等领域,措施明确、步骤清晰,无疑是在为整个平台经济的金融监管“打样”</b>。</p><p>蚂蚁集团整改方案的制定只是第一步,接下来蚂蚁集团还要对标整改方案,不折不扣地达到监管要求。其他平台企业也应对照监管要求,坚持以服务实体经济、防范金融风险为本,发展和规范并重,不断强化合规意识,巩固和增强国际竞争力。</p><p><b>规范发展才有平台经济更好未来。</b>我们相信,以蚂蚁集团整改为节点,平台企业将在规范中迎来一个新的起点,更加稳健、更高质量发展的大幕正徐徐拉开。</p><p><b>国是直通车:再次约谈蚂蚁集团 释放了哪些重磅信号?</b></p><p>4月12日,央行、银保监会、证监会、外汇局等金融管理部门再次联合约谈蚂蚁集团。</p><p>央行副行长潘功胜就约谈情况答记者问的信息量大,包括再次约谈蚂蚁集团的考量、蚂蚁集团的整改方案内容、如何加强平台企业的金融监管以及强化国际金融科技监管合作等。</p><p>中新社国是直通车用三个关键词,带你看懂这次最新约谈释放的重磅信号。</p><p><b>纠错</b></p><p>从“蚂蚁”发展成“大象”,蚂蚁集团抓住了金融科技加速融合的时机。然后,随着体量的变化,蚂蚁集团前期野蛮生长积累的问题逐渐暴露。究竟有哪些严重问题,在今天潘功胜答记者问中,都能找到。</p><p>例如,支付业务存在不正当竞争行为;信息垄断,侵犯个人隐私,损害消费者合法权益;传统金融业务组合包装,规避金融监管,扩大金融风险;资本快速无序扩张形成垄断地位,破坏公平竞争秩序等。</p><p>将方向“跑偏”了的公司拉回正轨,纠错恰逢其时。</p><p>对照问题清单,蚂蚁集团应不折不扣落实整改,未来更要将监管要求内化成企业经营管理的“肌肉记忆”,视作企业发展的“生命线”,尤其是在服务众多消费者和小微企业的情况下,必须以更高的安全水平、更严的规范准则要求自己。</p><p>问题清单在其他平台企业也有共性。推动平台企业自我检视问题,积极主动整改,也是这份答记者问的深意。</p><p><b>立规</b></p><p>鼓励金融科技创新,提升金融服务效率,中国金融发展的方向是明确的。但所有创新,必须在符合审慎监管的前提下进行,这个规矩不容破坏,也只有如此,金融科技才能健康发展。</p><p>监管层这次回应了外界关心的三大关切。</p><p><b>如此严管只针对蚂蚁集团吗?</b></p><p>着眼长远、兼顾当前,补齐短板、强化弱项,应该说,金融活动要全部纳入金融监管的思路十分清晰。</p><p>而潘功胜的此次回答也强调,金融管理部门将坚持“公平监管”和“从严监管”原则。换言之,任何一家企业只要涉及金融业务,金融管理部门就必然公平地实施严管。</p><p>看看今年以来各监管部门在规范互联网存贷款业务、加强支付机构监管等方面的措施频频推出,无一不传递出着手扎紧金融科技发展制度笼子的信号。</p><p><b>如此严管会让创新停滞吗?</b></p><p>潘功胜直言,要坚持“金融为本、科技赋能”。平台企业开展金融业务应以服务实体经济、防范金融风险为本,不能使科技成为违法违规行为的“保护色”。</p><p>符合监管规则的创新仍可以畅通无阻,中国的创新与监管永远不是“二选一”,创新犹如驱动发展的马车,而监管则是马车上的缰绳,配上缰绳的马车才能沿着正确的方向行稳致远。</p><p><b>如此严管只在中国出现吗?</b></p><p>金融与科技加速融合带来新挑战不仅在中国,“赢家通吃”造成的市场垄断和不公平竞争,过度采集客户数据给个人隐私安全形成的威胁等同样引发了主要经济体监管部门的警惕和响应。</p><p>从监管理念的讨论,到监管方法的探索,再到监管内容的细化,主要经济体先后出台若干直接针对大型科技公司的法律法规,大数据、人工智能等科技元素也更多地运用在监管实践中,以提升监管能力。</p><p>就像美国互联网大公司微软、亚马逊等都曾因垄断问题多次出现在听证会上,它们在美国本土和欧洲地区所缴纳的罚款也是天价;德国则在2020年通过《反对限制竞争法》第十次修正案,加强对BigTech的监管等。</p><p>潘功胜表态非常明确,中国金融管理部门愿进一步加强与国际金融组织和各国监管当局在反垄断、数据监管、运营管理、消费者保护等方面的合作,推动制定金融科技监管规范,加强监管协调,共同打造开放、包容、安全的金融科技生态环境,提升金融业创新能力,同时防范跨境监管套利和金融风险跨境传染。</p><p><b>添动力</b></p><p>整改是一项长期工作,有了全面可行的方案只是第一步,蚂蚁集团后续如何落实才是关键,而金融管理部门将会动态跟踪指导,及时评估整改效果。</p><p>该罚的要罚、该改的要改,除此之外,这次约谈给蚂蚁集团也提出新要求:必须积极响应国家发展战略;持续提升普惠金融服务水平;在符合审慎监管要求的前提下,加大金融科技创新,提升金融科技领域的国际竞争力等。</p><p>“让天下没有难做的生意”,是蚂蚁集团早期创业时给自己定下的目标。在不折不扣地落实整改方案后,希望蚂蚁能够找回自己的初心,更好地服务实体经济,也为国家发展注入动力。</p><p>蚂蚁集团只是众多平台企业、民营企业的缩影,官方释放的信号也显示出,将一如既往地鼓励民营经济发展、支持民营企业创新,民营企业家们仍可大胆放心地继续投入“真实”的创新研发,在公平竞争的市场环境下,监管将为其“护航”。</p><p>总而言之,强力监管只是手段,健康发展才是目的,让创新的红利“到群众身边去”,也要到国家发展战略中去。</p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/1684aaaa06891b8d2dd04a9941acb502","relate_stocks":{},"is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1130075618","content_text":"蚂蚁集团回应再被约谈:以整改为革新契机,更加坚定服务小微2020年12月26日,金融管理部门对蚂蚁集团提出五项重点业务领域的整改要求,蚂蚁集团高度重视整改工作的严肃性,在金融管理部门的指导下,全面对标监管要求,近期已完成整改方案的研究和制定工作。蚂蚁集团将整体申设金融控股公司,实现金融业务全部纳入监管;支付业务回归支付本源,坚持小额便民、服务小微定位;申设个人征信公司,依法持牌、合法合规经营个人征信业务,加强个人信息保护,有效防范数据滥用;将“借呗”“花呗”全部纳入消费金融公司,依法合规开展消费金融业务;强化消费者权益保护,加强金融消费者适当性管理;完善公司治理,遵守公平竞争的法律规则,规范关联交易,加强风险防控,营造公平竞争的市场环境,进一步增强社会责任体系建设等。上述事项将根据监管规定及蚂蚁集团公司章程等相关约定,在履行相应程序后具体执行。蚂蚁集团深刻认识到,国家依法规范平台经济发展,将金融活动全部纳入金融监管,是站在全局高度、统筹发展与安全的重要举措,不仅有利于行业健康有序发展,也是维护公平竞争市场环境,推动高质量发展的内在要求。蚂蚁集团将在金融管理部门的指导下,认真落实整改有关工作,确保全面规范金融业务的经营和发展,同时全力保障业务连续性和服务质量,不断提升对实体经济、小微企业和消费者的服务水平。蚂蚁集团也将以此次整改为革新契机,更加坚定立足小微、服务实体经济的定位,坚持科技驱动、守正创新、开放共赢的发展理念,自觉把企业发展融入国家战略大局,不断加大科技创新投入,不断增强合规能力建设,不断提升国际竞争力,努力为社会创造价值,为服务“双循环”新发展格局贡献力量。蚂蚁集团2021年4月12日央行副行长潘功胜就金融管理部门再次约谈蚂蚁集团情况答记者问2021年4月12日,人民银行、银保监会、证监会、外汇局等金融管理部门再次联合约谈蚂蚁集团。中国人民银行副行长潘功胜代表四部门就约谈情况回答了记者提问。问:金融管理部门再次约谈蚂蚁集团有什么考虑?答:党的十九届五中全会、中央经济工作会议及中央财经委员会第九次会议明确提出,要强化反垄断和防止资本无序扩张,切实防范风险。要从构筑国家竞争新优势的战略高度出发,建立健全平台经济治理体系,推动平台经济规范健康持续发展。自去年12月份四部门联合监管约谈以来,蚂蚁集团建立专门团队,在金融管理部门指导下制定整改方案,积极开展整改工作。此次金融管理部门再次联合约谈蚂蚁集团有关人员,主要是要求蚂蚁集团必须正视金融业务活动中存在的严重问题和整改工作的严肃性,对标监管要求和拟定的整改方案,深入有效整改,确保实现依法经营、守正创新、健康发展;必须坚持服务实体经济和人民群众的本源,积极响应国家发展战略,在符合审慎监管要求的前提下,加大金融科技创新,提升金融科技领域的国际竞争力,在构建“双循环”新发展格局中发挥更大作用。问:蚂蚁集团整改方案的主要内容是什么?答:蚂蚁集团整改工作启动以来,金融管理部门就整改措施与蚂蚁集团进行了深入沟通,并督促蚂蚁集团形成了全面可行的整改方案。整改内容主要包括五个方面:一是纠正支付业务不正当竞争行为,在支付方式上给消费者更多选择权,断开支付宝与“花呗”“借呗”等其他金融产品的不当连接,纠正在支付链路中嵌套信贷业务等违规行为。二是打破信息垄断,严格落实《征信业管理条例》要求,依法持牌经营个人征信业务,遵循“合法、最低、必要”原则收集和使用个人信息,保障个人和国家信息安全。三是蚂蚁集团整体申设为金融控股公司,所有从事金融活动的机构全部纳入金融控股公司接受监管,健全风险隔离措施,规范关联交易。四是严格落实审慎监管要求,完善公司治理,认真整改违规信贷、保险、理财等金融活动,控制高杠杆和风险传染。五是管控重要基金产品流动性风险,主动压降余额宝余额。金融管理部门将督促蚂蚁集团切实落实整改方案,把握好工作节奏,保持业务连续性和企业正常经营,确保广大人民群众对金融服务的体验不下降,持续提升普惠金融服务水平。问:下一步金融管理部门如何加强平台企业金融监管?答:金融管理部门将坚持公平监管和从严监管原则,着眼长远、兼顾当前,补齐短板、强化弱项,促进公平竞争,反对垄断,防止资本无序扩张。一是坚持“金融为本、科技赋能”。平台企业开展金融业务应以服务实体经济、防范金融风险为本,不能使科技成为违法违规行为的“保护色”。对于违规经营行为,依法严肃查处。二是坚持金融活动全部纳入金融监管。金融业务必须持牌经营;提升监管能力和水平,优化监管框架,防范监管套利。三是坚持发展和规范并重。依法加强监管,规范市场秩序,防止市场垄断,保障数据产权及个人隐私;同时把握好平台经济发展规律,提升金融服务体验,巩固和增强平台企业国际竞争力。金融管理部门将一如既往地坚持“两个毫不动摇”,营造公平竞争市场环境,继续支持民营资本依法开展金融科技活动,依法保护产权,弘扬企业家精神,激发民营资本的市场活力和科技创新能力。问:中国金融管理部门在加强国际金融科技监管合作方面有何考虑?答:近年来,金融科技与平台经济快速发展,在提升金融服务效率和金融体系普惠性、降低交易成本方面发挥了重要作用。同时,由于其具有跨界、混业、跨区域经营等特征,风险传染速度更快、波及面更广、负面溢出效应更强,对金融监管形成了新挑战,成为世界各国监管部门共同面对的新问题。世界主要经济体监管部门对此高度关注,并已采取实际行动,作出监管调整和政策响应。在监管理念上,遵循“同样业务、同样监管”的原则,致力于在促进金融科技发展和防范金融风险之间取得平衡。在监管方法上,探索运用大数据、云计算、人工智能等科技成果,提升风险监测感知能力和穿透式监管能力。在监管内容上,强调个人信息保护及反垄断。例如,欧盟2018年实施了《通用数据保护条例》,并加快推进《数据治理法案》;美国近年来连续发起对大型科技公司的反垄断调查;德国在2020年通过《反对限制竞争法》第十次修正案等。中国金融管理部门愿进一步加强与国际金融组织和各国监管当局在反垄断、数据监管、运营管理、消费者保护等方面的合作,推动制定金融科技监管规范,加强监管协调,共同打造开放、包容、安全的金融科技生态环境,提升金融业创新能力,同时防范跨境监管套利和金融风险跨境传染。经济日报评蚂蚁集团被再次约谈:规范发展才有平台经济更好未来4月12日,金融管理部门再次联合约谈蚂蚁集团,明方向、亮态度、提要求。明方向。党的十九届五中全会、中央经济工作会议及中央财经委员会第九次会议提出,要强化反垄断和防止资本无序扩张。要从构筑国家竞争新优势的战略高度出发,推动平台经济规范健康持续发展。这为强化平台企业金融监管、规范平台经济竞争秩序提供了行动指南和根本遵循,也为平台经济的高质量发展指明了方向。将引导平台企业回归服务实体经济和人民群众的本源,更好地把握平台经济发展规律,在守正创新中进一步激发市场活力和科技创新能力。亮态度。一方面,鼓励、支持、推动平台企业发展的态度不会改变;另一方面,坚持公平监管和从严监管原则,促进公平竞争,反对垄断的态度更加鲜明。科技不能成为平台企业的“保护色”,不能成为平台企业逾越法律、道德等规则底线的借口。金融科技并未改变金融的风险属性,其“底色”仍是金融。金融业务必须持牌经营,金融活动必须全部纳入金融监管。提要求。健康持续发展的前提是规范。金融科技平台在提高金融服务效率和普惠性方面发挥积极作用的同时,其高速扩张也带来了“数据垄断”、破坏竞争、损害用户合法权益等严重问题。金融管理部门“立规矩”“补短板”,刻不容缓。此次约谈,金融监管部门提出的针对性要求覆盖支付、个人信息保护、关联交易、公司治理及信贷、保险、理财等领域,措施明确、步骤清晰,无疑是在为整个平台经济的金融监管“打样”。蚂蚁集团整改方案的制定只是第一步,接下来蚂蚁集团还要对标整改方案,不折不扣地达到监管要求。其他平台企业也应对照监管要求,坚持以服务实体经济、防范金融风险为本,发展和规范并重,不断强化合规意识,巩固和增强国际竞争力。规范发展才有平台经济更好未来。我们相信,以蚂蚁集团整改为节点,平台企业将在规范中迎来一个新的起点,更加稳健、更高质量发展的大幕正徐徐拉开。国是直通车:再次约谈蚂蚁集团 释放了哪些重磅信号?4月12日,央行、银保监会、证监会、外汇局等金融管理部门再次联合约谈蚂蚁集团。央行副行长潘功胜就约谈情况答记者问的信息量大,包括再次约谈蚂蚁集团的考量、蚂蚁集团的整改方案内容、如何加强平台企业的金融监管以及强化国际金融科技监管合作等。中新社国是直通车用三个关键词,带你看懂这次最新约谈释放的重磅信号。纠错从“蚂蚁”发展成“大象”,蚂蚁集团抓住了金融科技加速融合的时机。然后,随着体量的变化,蚂蚁集团前期野蛮生长积累的问题逐渐暴露。究竟有哪些严重问题,在今天潘功胜答记者问中,都能找到。例如,支付业务存在不正当竞争行为;信息垄断,侵犯个人隐私,损害消费者合法权益;传统金融业务组合包装,规避金融监管,扩大金融风险;资本快速无序扩张形成垄断地位,破坏公平竞争秩序等。将方向“跑偏”了的公司拉回正轨,纠错恰逢其时。对照问题清单,蚂蚁集团应不折不扣落实整改,未来更要将监管要求内化成企业经营管理的“肌肉记忆”,视作企业发展的“生命线”,尤其是在服务众多消费者和小微企业的情况下,必须以更高的安全水平、更严的规范准则要求自己。问题清单在其他平台企业也有共性。推动平台企业自我检视问题,积极主动整改,也是这份答记者问的深意。立规鼓励金融科技创新,提升金融服务效率,中国金融发展的方向是明确的。但所有创新,必须在符合审慎监管的前提下进行,这个规矩不容破坏,也只有如此,金融科技才能健康发展。监管层这次回应了外界关心的三大关切。如此严管只针对蚂蚁集团吗?着眼长远、兼顾当前,补齐短板、强化弱项,应该说,金融活动要全部纳入金融监管的思路十分清晰。而潘功胜的此次回答也强调,金融管理部门将坚持“公平监管”和“从严监管”原则。换言之,任何一家企业只要涉及金融业务,金融管理部门就必然公平地实施严管。看看今年以来各监管部门在规范互联网存贷款业务、加强支付机构监管等方面的措施频频推出,无一不传递出着手扎紧金融科技发展制度笼子的信号。如此严管会让创新停滞吗?潘功胜直言,要坚持“金融为本、科技赋能”。平台企业开展金融业务应以服务实体经济、防范金融风险为本,不能使科技成为违法违规行为的“保护色”。符合监管规则的创新仍可以畅通无阻,中国的创新与监管永远不是“二选一”,创新犹如驱动发展的马车,而监管则是马车上的缰绳,配上缰绳的马车才能沿着正确的方向行稳致远。如此严管只在中国出现吗?金融与科技加速融合带来新挑战不仅在中国,“赢家通吃”造成的市场垄断和不公平竞争,过度采集客户数据给个人隐私安全形成的威胁等同样引发了主要经济体监管部门的警惕和响应。从监管理念的讨论,到监管方法的探索,再到监管内容的细化,主要经济体先后出台若干直接针对大型科技公司的法律法规,大数据、人工智能等科技元素也更多地运用在监管实践中,以提升监管能力。就像美国互联网大公司微软、亚马逊等都曾因垄断问题多次出现在听证会上,它们在美国本土和欧洲地区所缴纳的罚款也是天价;德国则在2020年通过《反对限制竞争法》第十次修正案,加强对BigTech的监管等。潘功胜表态非常明确,中国金融管理部门愿进一步加强与国际金融组织和各国监管当局在反垄断、数据监管、运营管理、消费者保护等方面的合作,推动制定金融科技监管规范,加强监管协调,共同打造开放、包容、安全的金融科技生态环境,提升金融业创新能力,同时防范跨境监管套利和金融风险跨境传染。添动力整改是一项长期工作,有了全面可行的方案只是第一步,蚂蚁集团后续如何落实才是关键,而金融管理部门将会动态跟踪指导,及时评估整改效果。该罚的要罚、该改的要改,除此之外,这次约谈给蚂蚁集团也提出新要求:必须积极响应国家发展战略;持续提升普惠金融服务水平;在符合审慎监管要求的前提下,加大金融科技创新,提升金融科技领域的国际竞争力等。“让天下没有难做的生意”,是蚂蚁集团早期创业时给自己定下的目标。在不折不扣地落实整改方案后,希望蚂蚁能够找回自己的初心,更好地服务实体经济,也为国家发展注入动力。蚂蚁集团只是众多平台企业、民营企业的缩影,官方释放的信号也显示出,将一如既往地鼓励民营经济发展、支持民营企业创新,民营企业家们仍可大胆放心地继续投入“真实”的创新研发,在公平竞争的市场环境下,监管将为其“护航”。总而言之,强力监管只是手段,健康发展才是目的,让创新的红利“到群众身边去”,也要到国家发展战略中去。","news_type":1},"isVote":1,"tweetType":1,"viewCount":1056,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":342284730,"gmtCreate":1618222278320,"gmtModify":1618222278320,"author":{"id":"3577712744088042","authorId":"3577712744088042","name":"Jeffxuan","avatar":"https://static.tigerbbs.com/072b49f28a71cf478fdceea63110ab5f","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3577712744088042","authorIdStr":"3577712744088042"},"themes":[],"htmlText":"<a 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