阿里小贷正式完成注销，退出历史舞台！

Core Viewpoint - Alibaba's microloan company, Zhejiang Alibaba Microloan Co., Ltd. (Ali Microloan), has officially completed its deregistration, with its business fully taken over by MyBank, marking the end of its 15-year history [2][4][6]. Group 1: Company Overview - Ali Microloan was established on March 25, 2010, with a registered capital of 300 million yuan and was co-founded by Alibaba Group and several external shareholders [4]. - The company primarily served small and micro businesses and individual entrepreneurs on e-commerce platforms, playing a significant role in Ant Group's early financial layout [6]. Group 2: Business Transition - Since November 2022, Ali Microloan has ceased all operational activities and received regulatory approval to exit the microloan pilot program [6]. - The business operations of Ali Microloan have been fully transitioned to MyBank since its establishment in 2015, which was the first private bank approved in China [6]. Group 3: Industry Context - The microloan industry in China has experienced rapid expansion over the past 20 years, followed by a phase of contraction in both scale and number due to increased competition and tightening regulations [8]. - Another microloan entity, Chongqing Ant Microloan Co., Ltd., which operated "Huabei," is also set to exit the microloan industry, with its operations being transferred to Chongqing Ant Consumer Finance Co., Ltd. [8]. Group 4: MyBank's Position - MyBank, established on May 28, 2015, has a registered capital of 6.571 billion yuan and is recognized as one of the first private banks in China [8]. - As of the end of 2024, MyBank's total asset scale reached 471.035 billion yuan, reflecting a 4.2% increase from the beginning of the year, ranking second among 19 private banks, just behind WeBank [8].