Ant’s ability to lend curbed as consumer finance unit approved

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Chinese fintech giant charts way forward after regulators torpedoed its listing in 2020

Ant Group’s most lucrative business of consumer lending is likely to become less profitable as the financial juggernaut emerges from a six-month regulatory crackdown aimed at curbing its influence.

“There are ambiguities but the importance is this is a step ahead,” said Shujin Chen, a Hong Kong-based analyst at Jefferies. The move will curb Ant’s ability to lend, but it is yet to be seen whether regulators will allow it to continue to distribute loans for other institutions for a fee, she said.

The unit will need to provide 30% of funding for all co-loans, based on rules released earlier this year. At 10 times leverage of its registered capital, that means its total amount of joint loans will be capped at 266-billion yuan.

 

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