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Alipay will go bankrupt?

Time: 2018-01-14         Source: cloud computing Finance         Author: cloud palm Finance

Alipay is Alipay (China) Network Technology Co., Ltd. under the brand, there are "Alipay" and "Alipay wallet" two independent brands. The second quarter of 2014 became the world's largest mobile payment vendor, is the leading third-party payment platform.

Alipay, since its launch, won the hearts and minds, very popular, quickly occupied the Chinese payment market, becoming the boss of third-party payment. However, in the face of the development of Alipay, both Central Bank and the big banks are not only jealous, but also have repeatedly released new regulations to suppress them. However, Alipay is still strong and perseverant, and the remaining balance has become the world's No. 1 Monetary Fund. At the same time, some people also put forward such a guess: Alipay will go bankrupt?

To answer this question, let's begin by understanding a term bankruptcy.


Definition of bankruptcy

Bankruptcy is a legal process that declares the debtor's insolvency and the subsequent chain repayment to the creditors. Means that when all the assets of the debtor can not pay off the debts due, the creditors will, through certain legal procedures, provide all the assets of the debtor for their average repayment so as to relieve the debtor of other debts that can not be settled. In most cases, bankruptcy refers to a company's behavior and economic behavior. But people are sometimes accustomed to stopping an individual or company from going on, also known as bankruptcy.

Alipay will go bankrupt?

Alipay for bankruptcy this issue, different users have different views.

Some people think that: any company will have the risk of bankruptcy, a period may be day and night, but there are always the sunset when Nokia, Kodak, Motorola and so is an example, but no matter which company from the ups and downs will have some signs of risk overall Or controllable, but do not think that public safety insurance will give you claims, public security itself is Alipay's company, the tree down the scruffy is not help.


Some people say: According to Jack Ma's idea, we must pay no cash on the Alipay multiple attacks, and because Alibaba data based on Alipay will provide a lot of resources to Alipay, making Alipay rapid growth, Ma with Alibaba, can be said that is overwhelming. At the same time Alipay is also turns battle, through Alipay powerful feature is also made without cash closer, of course, Alipay powerful, but also constantly updated. Alipay will become more and more popular, no cash society is not far away! Alipay how it will go bankrupt yet.

Some people, even behind Alipay, how can bankruptcy?

① Alipay is a solid three-dimensional ecosystem.

② unless the planet crashed into the Earth, the impact point in Alipay data center.

③ Alipay is a huge pool, inlet flow has been greater than the discharge pipe.

In fact, the small series appears Alipay bankruptcy really hard Alipay is an Internet company, but also a big data platform, no shortage of funds, platform, technology, service quality, full of innovation, in line with the trend of the times and the trend, even bankruptcy should not be Things of this century!


However, Alipay is a privately owned enterprise, and any enterprise under a market economy may go bankrupt. If Alipay goes bankrupt, it may be due to the following reasons:

1, the impact of policy regulatory factors, Alipay as a third-party payment platform, has been constantly eroded the traditional banking market share. The government may introduce more stringent regulatory restrictions.

2, security factors, Alipay broke huge security risks or well-known flaws.

3, the emergence of alternative products, the market appeared more outstanding, more able to cater to the needs of consumers alternatives.

4, the company appeared long-term losses, make ends meet, forced to apply for bankruptcy protection.


If Alipay bankruptcy, money go from here?

Alipay is a third-party payment financial institution, in a sense, is a bank. Since the financial crisis of 2008, the state has allowed banks to go bankrupt. In the event of a bankruptcy, depositors' deposits will be repaid by deposit insurers (state or insurance companies) with a certain amount of compensation. Usually each deposit in the same bank's maximum reimbursement amount of 500,000 yuan, more than 500,000 yuan of the part of the bank from the bank liquidation of compensation. According to this note, if Alipay suddenly bankruptcy, then our money will be compensated by the deposit insurance institutions, such as the amount of more than 500,000 yuan part of the liquidation from Alipay will be reimbursed. (From this, if Alipay suddenly goes bankrupt, then the money inside may be compensated by one of the country's top five banks, most likely by the Industrial and Commercial Bank of China for compensation.)

In our country, the state has been the last guarantor of financial institutions. If the financial institutions or insurance companies are unable to pay compensation, the state will pay compensation to the common people (which can be understood as Alipay users), which is also the common belief of the ordinary people in banks The reason is the feeling. In history there was a precedent. For example, in 1998, due to the impact of the Asian financial crisis, the Hainan Development Bank was closed due to a serious lack of ability to pay. The principal and legal interest of the domestic residents in the bank's savings deposits were finally designated by the People's Bank of China Guaranteed payment, all the rights and liabilities into the Industrial and Commercial Bank of China.

Anyway, this is just a fake proposition. Alibaba ecosystem will not be bankrupt, Alipay too, poor banks, the traditional obsolescence, low efficiency, poor service and other criticisms in a strong financial background are difficult to go bankrupt, not to mention have a number of "global first "Alipay it? We do not have to worry so much.

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