Pinduoduo clarified that Pinduoduo does not have any consumer credit business of its own. These recruitments are mainly to meet the needs of users, and are related to the docking of consumer credit products such as WeChat and Ant Huabei and data risk control.
Pinduoduo clarified: never applied for a direct banking license
Recently, in response to the rumor that “Pinduoduo is applying for a direct banking license”, Pinduoduo responded that it has never applied for a direct banking license, nor has it participated in any bank that applies for a direct banking license, and will not apply for a direct banking license in the future. license.
In response to the information from the media that Pinduoduo is “recruiting product managers in the direction of payment finance and algorithm engineers in the direction of consumer credit”, Pinduoduo clarified that Pinduoduo does not have any consumer credit business itself, and these recruitments are mainly for adapting User needs are related to data risk control related to the docking of consumer credit products such as WeChat pay before use and Ant Huabei.
As early as August of this year, it was reported that Pinduoduo would jointly establish an independent legal person direct sales bank with a certain bank. Pinduoduo denied this. According to the latest news from Xinliu Caijing, Pinduoduo and a bank are advancing direct banking issues. The general manager of the network finance department of a bank may be leading the relevant preparatory work. The new bank may land in Shanghai. “project-link” data-id=”85912″ data-name=”recruiting soldiers and buying horses” data-logo=”https://img.36krcdn.com/20200729/v2_feddbe1014044785b49ecbd7e8125e14_img_000″ data-refer-type=”2″ href=” https://36kr.com/projectDetails/85912″ target=”_blank”>Recruiting soldiers and horses.
At the same time, it was revealed that Xia Lingyun, former deputy director and senior director of Tencent Innovation Lab, may be the head of Pinduoduo’s payment business. Pinduoduo has a long history of coveting payment. As early as 2018, Pinduoduo began to seek payment licenses. At the beginning of this year, through holding the payment company “Pay Pass” curve takes the payment license. In September this year, CCTV announced that Pinduoduo will become the exclusive red envelope interactive partner of the 2021 CCTV Spring Festival Gala. The market generally believes that Pinduoduo will use this to promote payment services.
Editor-in-chief’s comment: Pinduoduo’s financial ambitions are beginning to appear. Although Pinduoduo denied the news of applying for a direct banking license and entering consumer finance, from the perspective of the development logic of the e-commerce industry, consumer finance is almost a standard configuration of the e-commerce platform and has become the most important infrastructure in the Internet industry For one, giants such as Ali, JD.com, Tencent, and Bytedance have all deployed. As a rising star, Pinduoduo has become the third pole of the e-commerce industry after Ali and JD. It is also logical to enter the consumer finance market…
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