馬雲早已迷失在金融科技的數據裡面,雲深不知處,他迷失了人生的方向,陷入於金融與科技的漩渦中無法自拔,向下沉淪,馬雲應該投資移民美國,成為美國人,轉戰華爾街與那些創造金融數字的精英們較勁,一爭高下.如今螞蟻集團的IPO.被大象踩死喇
The Chinese government stopping Ant Group’s IPO.
中國金融管理體系不完整,也就是說保守型的投資與信貸業務發展,對於金融風險的管制比較務實,高深的金融投資技術性的層次,尚在學習中,馬雲的金融科技領域的確先進與超群,否則馬蟻集團不會呼風喚雨的襲捲電子商業領域的發展,而且獲利驚人,令人髮指的撈取市場利益,更何況是一家獨佔的局面,此外馬雲選擇在香港證券市場發行IPO.在某些方面是錯誤的選擇,因為馬雲不瞭解官場官員的心態,如果同意馬雲在香港成功的發行IPO.,獲得大眾的資金,甚至於部份的外國資金投資,使得螞蟻集團能夠獲得更多的資本利益,進軍國際金融市場,大幹一場,攪亂國際金融秩序,因此中國政府出手收抑制馬雲的瘋狂吸金計劃.
螞蟻集團的金融科技服務處在中國異軍突起賺錢
馬雲的投資計劃書,報告內容筆者瞭解到,在於風險管控的層面,並未完整列出金融數據的實際或是電腦模擬風險管控的程序及相關驗證的數據報告,換句話說馬雲有所隱瞞,風險過高將來無法管制,而導致於投資人大量的金錢損失.
馬雲將風險系數由投資人分攤比例過高,是沒有商業倫理與道德的投資計劃,因為過度的強調投資的報酬率及投資本益比的效益,多數的投資人並不是金融財政專家,說的難聽那些投資人都是茫然不知的投機者,只在乎眼前的投資利益,其背後隱藏的風險都無論知悉,人們貪得無厭的心態,馬雲深入淺出的理解,要玩弄金融科技的遊戲,就要放膽的冒險,高風險高獲利是正比例的遊戲規則,所以馬雲計劃在香港上證券市發行IPO.大肆的吸金,好讓馬螞蟻集團的資本額客擴充到3000億美元之譜,才有資格與美國華爾街的金融大亨比較,玩弄金錢遊戲,否則在西方國家的金融玩家們,嘲笑並唪斥馬雲就是一隻小螞蟻,非常容易被西方國家的金融大象踩死,可是能人知曉馬雲已被中國大象踩死喇.
馬雲的功過是在於中國市場內越來越多的P2P平台，不再是依賴銀行的信用評分，而是根據填寫個資的時間、儲值手機遊戲的狀況、臉書的好友是窮人還是富人等,諸多網路使用行為來決定是否進行小額放貸,總而言之馬雲玩弄的是另類的金融科技遊戲,即使沒有資本只要是有手機就可以註冊開戶,進行網路購物,玩電子遊戲,等等商業行為,甚至於彼此間借貸的銀行業務。
公司對個人或是群體對個人,群體對群體等多樣化的金融科技業務,只要手機就可以搞定,例如筆者與好朋友之間的小額借貸,在手機轉帳,就可以完成,實在是迅速方便.而且保密是在雲端作業螞蟻集團只是提供交易平台,抽取服務費1%.而已,但是中國市場廣大,螞蟻集團的客戶約為4.5億人數左右你相信嗎?
如果螞蟻集團IPO.成功的在香港上市,將來進軍美國華爾街國際金融市場領域,就是掀起國際金融市場的另類革命難道不好嗎?
任何商業交易經由手機皆可以搞定.
The Chinese government asserted its power over private business in stopping Ant Group’s initial public offering.
螞蟻王國的掌門人與創始人如今行蹤成迷只緣身在手機裡雲深不知處他可能面對20年的刑期牢獄之災並且罰款100億人民幣,螞蟻集團實收資本額已經高達1392.388億人民幣元（截至2019年12月31日止螞蟻金服的估值達到1600億美元，是全球最大的獨角獸公司.
螞蟻科技集團股份有限公司，簡稱螞蟻集團，是中國的網際網路金融服務公司。螞蟻集團起步於網上購物網站淘寶網第三方支付平台「支付寶」，2014年，阿里巴巴集團分拆旗下金融業務，成立浙江螞蟻小微金融服務集團股份有限公司2020年6月變更為現名。
.傳聞馬雲在被中國政府禁止螞蟻集團IPO.
ANT GROUP 的在香港上市計劃,Jack Ma他曾經批評並指責多數中國大銀行都還是「當鋪思想」，顯然惹怒了中國官方高層。
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目前馬雲行蹤成迷20210103.之後,就無人知曉馬雲深在何處,傳言他已使用外國護照(西印度群島某小國)搭乘飛機遠走高飛,躲藏並且躲避中國政府的逮捕訊問,傳聞螞蟻集團亦遭人檢舉,逃稅,漏稅等事項,由此看來馬雲真的是雲深不知處? 只緣身在手機裡?
其實馬雲是觸犯”中國金融作業管理辦法”內的商業倫理與道德規範,利用金融財政工具,涉嫌詐欺並且將高度風險轉嫁於客戶端,謀取不法利益,等實際犯罪行為,如果馬雲被逮捕證實判刑有罪,他可能要做牢20年,並且罰款100億人民幣.
2020年10月24日，螞蟻集團實際控制人馬雲在上海舉行的第二屆外灘金融峰會上，指責全球監管機構過度在意風險，還批評中國政府日益嚴格的金融監管阻礙了科技發展，並稱巴塞爾協議是「老人俱樂部」。此番話被認為激怒了以總書記習近平為首的中共高層。
Gavekal Research Limited中國研究主管Andrew Batson指出，馬雲在有意無意之間，公開挑戰且批評中國政府對金融監管的措施。
2020年11月2日，中國人民銀行、中國銀保監會、中國證監會、國家外匯管理局對螞蟻集團實際控制人馬雲、董事長井賢棟、執行長胡曉明進行了監管約談。
2020年11月3日晚，上海證券交易所發布關於暫緩螞蟻科技集團股份有限公司科創板上市的決定。香港交易所當晚也發表聲明，暫緩螞蟻集團H股上市。11月4日，H股IPO認購投資者退款程序啟動，11月6日，A股IPO認購投資者退款程序啟動。投資者認購的股份將註銷。
根據《華爾街日報》報導，是中共中央總書記習近平在馬雲發言後，親自下令阻止螞蟻集團的IPO.上市計劃. 2020年12月，螞蟻集團根據中國監管部門對於網際網路存款行業的規範要求，下架支付寶上的網際網路存款產品，相關產品僅對已購買產品用戶認可.
2020年12月26日，包括中國人民銀行、中國銀保監會、中國證監會、國家外匯管理局在內的中國監管部門約談螞蟻集團。
監管部門督促指導螞蟻集團按照市場化、法治化原則，落實金融監管、公平競爭和保護消費者合法權益等要求，規範金融業務經營與發展。螞蟻集團表示會成立整改工作組規範金融業務的經營和發展。
其實私人商業公司的管理與監督,按照企業管理的理論,公司內部必須設立法務監督管理部門,由專長企業倫理與道德的高級職員擔任,就是所謂的監察人或是獨立董監事的職務與職位,他們必須有20年以上的工作經驗,操守良好,沒有任何違反公司的規章或是違反政府法律犯罪行為記錄,換句話說絕對不允許貪污索賄等犯罪行為,最重要的絕對公正處理,企業倫理與道德事件,並且認真執行無關是否是利害關係人,如此一來龐大的企業集團才能有條不肳的正常運作.
西方國家的大型企業集團公司,通常在總經理辦公室內,設置所謂的特別助理一職,專門從事處理公司內部的企業倫理與道德事件相關事項.通常是獨特密秘作業,旁人無法知悉的獨特調查員.
WHERE ARE YOU ? Mr.Jack Ma?
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Jack Ma ,who I am?
I LOVE MAKE MONEY ONLY.
馬雲幾乎沒有商業倫理及道德規範的約束.?
Investors in what would have been the world’s largest share sale are getting refunds, as Beijing shows entrepreneurs the importance of listening to the Communist Party.
This was supposed to be the week that one of China’s biggest tech companies threw the most lucrative coming-out party in history, sending a swaggering message about the country’s economic might during the pandemic.
Instead, China sent a different message: No private business gets to swagger unless the government is on board with it.
Regulators pulled the plug Tuesday on the initial public offering of Ant Group, the internet finance giant, which had been all but ready to press “Go” on its $34 billion stock debut in Shanghai and Hong Kong.
The I.P.O. would have brought in more cash than did Saudi Aramco, the state-run oil giant, when it went public last year. And Ant would have raised the money on the opposite side of the planet from New York, which has long been the favored listing destination for Chinese tech groups.
but by firing a last-minute torpedo at Ant and Jack Ma, the company’s controlling shareholder and celebrity founder of the e-commerce titan Alibaba, the authorities made clear that international bragging rights mattered less than ensuring private companies know where they stand next to the state.
Ant sits at the intersection of two industries — finance and tech — that are facing intense scrutiny everywhere. American officials are circling the giants of Silicon Valley, plotting a reckoning for the power they wield over commerce and society.
Yet in China, the authorities under Xi Jinping, the country’s top leader, have brought a steely, uncompromising edge to their tactics for enforcing the Communist Party’s will.
Globe-straddling conglomerates have been leashed. A tycoon was disappeared into custody. In September, Ren Zhiqiang, a wealthy, politically connected property developer, was sentenced to 18 years in prison after he criticized Mr. Xi for the government’s handling of the coronavirus.
After Mr. Xi declared war on food waste this year, the official news media and video platforms turned against streamers who recorded themselves chowing down on extravagant spreads — a niche category of internet fame, but a remunerative one for its stars.
“What happened to Ant reinforces that sense that it’s really essential to show respect for party-state authority,” said Kellee S. Tsai, the dean of the School of Humanities and Social Science at the Hong Kong University of Science and Technology. “Capitalists have to play by the political rules of the game.”
For many businesses in China, this has been a year to be thankful — all things considered — for the government. Economic growth is bounding back. The authorities are keeping the virus largely under control.
Ant filed to go public in August, nearly a decade after the company was spun out of Alibaba. Ant’s Alipay app is used by more than 730 million people every month. It has become a major portal for personal credit, loans, investments and insurance in addition to a payment tool. But getting to this point was a long journey for Ant, one with numerous dust-ups with regulators.
More controls were already on the way. China’s banking and insurance regulator discussed new rules for online lenders in September. Tighter supervision of financial holding companies was scheduled to go into effect on Nov. 1.
Late last month, as Ant’s mega I.P.O. was coming together, Mr. Ma made an appearance at a financial conference, the Bund Summit in Shanghai. He spoke after bigwigs including Wang Qishan, China’s vice president, and Yi Gang, the central bank governor.
“Our next speaker needs little introduction,” the host said. “He says he came to the Bund Summit today to throw a bomb.”
A camera catches Mr. Ma standing up from his seat and shrugging, as if caught off guard.
“I’m not throwing any bombs,” he said once he reached the podium. “Who would dare throw a bomb?”
He then proceeded to throw several bombs. He roasted financial regulators for being obsessed with minimizing risk, even though, he said, “there is no innovation in this world without risk.” He accused China’s banks of behaving like “pawnshops” by lending only to those who could put up collateral.
The audience applauded politely as he left the stage. But state-run news outlets criticized his remarks in the days that followed.
After Ant set the listing price for its stock, investors stampeded to place orders. More than five million people applied in Shanghai alone. The total number of shares they wanted to buy was 870 times the number being offered.
But on Monday evening, financial regulators announced that they had summoned Mr. Ma and other company executives for a meeting. In a shock announcement the next night, the Shanghai Stock Exchange called time on the I.P.O.
