印度小米銀行，依托電話業(yè)務(wù)，加入金融混戰(zhàn)

China’s Xiaomi (1810.HK) is poised to launch a consumer lending business in India in the coming weeks, making an ambitious tilt at the booming financial services market where data privacy concerns and fierce competition present formidable challenges.

中國(guó)小米(1810.HK)準(zhǔn)備在未來(lái)幾周內(nèi)在印度推出一項(xiàng)消費(fèi)貸款業(yè)務(wù)，從而雄心勃勃地向蓬勃發(fā)展的金融服務(wù)市場(chǎng)傾斜。在印度，對(duì)數(shù)據(jù)隱私的擔(dān)憂和激烈競(jìng)爭(zhēng)構(gòu)成了巨大挑戰(zhàn)。

The stakes are high for the world’s fourth largest mobile phone vendor, whose business model relies on low-margin hardware sales with services as a key long-term profit center. The company reported disappointing second-quarter earnings on Tuesday and its shares are trading at slightly over half their 2018 IPO price

對(duì)于這家全球第四大手機(jī)廠商來(lái)說(shuō)，風(fēng)險(xiǎn)很高。該公司的商業(yè)模式依賴于低利潤(rùn)率的硬件銷售，而服務(wù)是其關(guān)鍵的長(zhǎng)期利潤(rùn)中心。該公司周二公布了令人失望的第二季度業(yè)績(jī)，目前股價(jià)略高于2018年IPO價(jià)格的一半

Xiaomi is betting it can leverage its number one position in India’s smartphone market to tap into the country’s lucrative but crowded financial services sector. Yet, the mounting public concern over data privacy, which has forced tech giants like Google (GOOGL.O) and Facebook (FB.O) to change the way they do business, could make it a bumpy road for the Chinese firm.

小米押注，它能夠利用自己在印度智能手機(jī)市場(chǎng)的第一地位，進(jìn)入印度利潤(rùn)豐厚但競(jìng)爭(zhēng)激烈的金融服務(wù)業(yè)。然而，公眾對(duì)數(shù)據(jù)隱私日益增加的擔(dān)憂，迫使谷歌和Facebook等科技巨頭改變了經(jīng)營(yíng)方式，這可能會(huì)讓這家中國(guó)公司的道路變得崎嶇不平。

Indeed, Xiaomi’s approach to data collection and privacy has raised eyebrows among some of those familiar with its international expansion plans. The company remains a small player in financial services in its home country, according to documents seen by Reuters.

事實(shí)上，在一些熟悉小米國(guó)際擴(kuò)張計(jì)劃的人士中，小米在數(shù)據(jù)收集和隱私保護(hù)方面的做法令人側(cè)目。據(jù)路透社(Reuters)看到的文件顯示，該公司在中國(guó)的金融服務(wù)領(lǐng)域仍是一家小公司。

Xiaomi faces ferocious competition across Asia from banks, global tech giants, fintech startups and others who are scrambling for position in the region’s booming digital economy.

小米在亞洲面臨著來(lái)自銀行、全球科技巨頭、金融科技初創(chuàng)企業(yè)以及其他企業(yè)的激烈競(jìng)爭(zhēng)，這些企業(yè)正在亞洲蓬勃發(fā)展的數(shù)字經(jīng)濟(jì)中爭(zhēng)奪一席之地。

In Indonesia, another key market, Xiaomi’s financial unit had to shut down in late 2018 due to a disagreement with regulators over licensing.

在另一個(gè)關(guān)鍵市場(chǎng)印度尼西亞，小米的金融部門因與監(jiān)管機(jī)構(gòu)在許可問題上存在分歧，于2018年底被迫關(guān)閉。

A source familiar with Xiaomi’s India efforts said the company was doing well there with its first offering, a payment app called Mi Pay that launched in March.

一位熟悉小米在印度的努力的消息人士說(shuō)，小米在印度的第一次發(fā)行表現(xiàn)良好，這是一款名為“小米支付”的支付應(yīng)用程序，于3月推出。

“They seem to be following the market leaders, Apple and Google, where a smartphone eventually will become more than a phone and more of a financial play,” the source told Reuters.

消息人士對(duì)路透表示，"他們似乎在追隨蘋果和谷歌這兩家市場(chǎng)領(lǐng)軍企業(yè)，在這兩家企業(yè)來(lái)看，智能手機(jī)最終將不僅僅是一部手機(jī)，更多的是一種金融產(chǎn)品。"