目前，中國(guó)第二大電子商務(wù)公司京東，為其消費(fèi)者金融子公司京東金融進(jìn)行了新一輪融資，融得10億美元。

投資者包括紅杉資本中國(guó)基金、嘉實(shí)投資和中國(guó)太平保險(xiǎn)。此輪融資之后，京東金融的估值達(dá)到70億美元，京東將在這家金融服務(wù)公司繼續(xù)持有多數(shù)股份。

京東金融向中國(guó)的消費(fèi)者、初創(chuàng)公司和企業(yè)提供各種在線金融服務(wù)。例如，京東最近與美國(guó)初創(chuàng)公司ZestFinance合作，為中國(guó)的借貸者提供信貸風(fēng)險(xiǎn)評(píng)分，從而更加快捷地向消費(fèi)者發(fā)放貸款。通過此次合作，在京東購(gòu)物的中國(guó)消費(fèi)者，現(xiàn)在可以向京東申請(qǐng)一定的信用額度，用于購(gòu)物。

隨著中國(guó)中產(chǎn)階級(jí)人數(shù)的迅速增長(zhǎng)，金融服務(wù)，包括網(wǎng)上銀行、數(shù)字支付和網(wǎng)絡(luò)借貸等業(yè)務(wù)，為國(guó)內(nèi)科技公司帶來了巨大的機(jī)遇。例如，據(jù)艾瑞預(yù)測(cè)，到2018年，中國(guó)移動(dòng)支付金額預(yù)計(jì)將從2014年的1萬億美元，增長(zhǎng)兩倍，至3萬億美元。

但中國(guó)金融技術(shù)領(lǐng)域的競(jìng)爭(zhēng)已經(jīng)非常激烈。

京東的主要競(jìng)爭(zhēng)對(duì)手阿里巴巴旗下的螞蟻金服，以及近期開始經(jīng)營(yíng)互聯(lián)網(wǎng)銀行——網(wǎng)商銀行。螞蟻金服旗下包括中國(guó)在線支付巨頭支付寶。并且有報(bào)道稱，螞蟻金服計(jì)劃在上市之前進(jìn)行新一輪融資。2015年完成上一輪融資之后，螞蟻金服的估值達(dá)到了500億美元。

中國(guó)科技巨頭騰訊，也面向中國(guó)消費(fèi)者提供了多種金融服務(wù)，包括數(shù)字錢包財(cái)付通。（財(cái)富中文網(wǎng)）

譯者：劉進(jìn)龍/汪皓

China’s second largest e-commerce company, JD.com, raised $1 billion in new funding for its consumer finance subsidiary, JD Finance.

Investors included Sequoia Capital China, China Harvest Investments, and China Taiping Insurance. The new financing values JD Finance at $7 billion, and the e-commerce giant will continue to have a majority stake in financial services company.

JD Finance provides a number of online financial services to consumers, start-ups, and companies in China. For example, JD recently partnered with U.S. startup ZestFinance to provide credit risk scores to Chinese lenders so they can extend credit to consumers. With the partnership, Chinese consumers shopping on JD.com are able to apply for a line of credit to buy items from the e-commerce site.

Financial services, including online banking, digital payments, and web-based lending, is gearing up to be massive opportunity for Chinese technology companies as the country’s middle class explodes in size. For example, the amount of mobile payments in China is expected to triple to $3 trillion in 2018 from $1 trillion in 2014, according to iResearch.

But financial technology in China is already heating up with competitors.

An affiliate of JD.com’s main competitor Alibaba, Ant Financial, which operates Chinese online payment giant Alipay, also recently started operating its online bank, MYbank, and isreportedly looking to raise more funding before a public offering. Ant Financial was valued at $50 billion in its last round of funding in 2015.

Chinese technology juggernaut Tencent also offers a number of financial services to Chinese consumers,including a digital wallet called Tenpay.