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

投資者包括紅杉資本中國基金、嘉實投資和中國太平保險。此輪融資之后，京東金融的估值達到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。

京東金融向中國的消費者、初創(chuàng)公司和企業(yè)提供各種在線金融服務(wù)。例如，京東最近與美國初創(chuàng)公司ZestFinance合作，為中國的借貸者提供信貸風(fēng)險評分，從而更加快捷地向消費者發(fā)放貸款。通過此次合作，在京東購物的中國消費者，現(xiàn)在可以向京東申請一定的信用額度，用于購物。

隨著中國中產(chǎn)階級人數(shù)的迅速增長，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)，為國內(nèi)科技公司帶來了巨大的機遇。例如，據(jù)艾瑞預(yù)測，到2018年，中國移動支付金額預(yù)計將從2014年的1萬億美元，增長兩倍，至3萬億美元。

但中國金融技術(shù)領(lǐng)域的競爭已經(jīng)非常激烈。

京東的主要競爭對手阿里巴巴旗下的螞蟻金服，以及近期開始經(jīng)營互聯(lián)網(wǎng)銀行——網(wǎng)商銀行。螞蟻金服旗下包括中國在線支付巨頭支付寶。并且有報道稱，螞蟻金服計劃在上市之前進行新一輪融資。2015年完成上一輪融資之后，螞蟻金服的估值達到了500億美元。

中國科技巨頭騰訊，也面向中國消費者提供了多種金融服務(wù)，包括數(shù)字錢包財付通。（財富中文網(wǎng)）

譯者：劉進龍/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.