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f xm;onf/ tmvDbmbm 0wf'fqdkufrsm;\ (3) ykH (1) ykHaom
0ifaiGrsm;onf Alipay tGefvkdif;aiGaMu;ay;acsrIrS &&Sdaejcif; jzpfonf/ tjcm;olrsm;\ 0wf'fqkdufrsm;uvnf; olwkdY\
tGefvkdif;aMu;ay;acsrItrsm;pkukd Alipay jzifh aqmif&GufaeMujcif; jzpfonf/ vlrsm;pkonf Alipay tm; aiGvJTaiGykYdjyKvkyf&ef? zkef;aiGjznfh&ef?

11

bm;uk'fjzifh 0,f,l&onfh ukefpkHqkdifrsm;ESifh KFC uJhokdY pm;aomufqkdifrsm;wGif aiGaMu;ay;acs&ef tokH;jyKMuonf/ Alipay jzifh
aiGaMu;ay;acsMuonfh (20) &mckdifEIef;onf a&cGef? rD;cGefay;acs&rIESifh *wfpfjznfhonfh udp&yfrsm; jzpfonf/ Alipay tokH;jyKolrsm;onf
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tppt&m&m 'D*s,fw,f jzpfvmaeonfh w&kwfjynftwGuf Alipay onf aiGaMu;wckuJhokdY jzpfvmaeonf/ aumfr&SifaMu;aMumifh
tjrwftpGef;rsm; wkd; &&Sdvmonfh Alipay onf (2018) ckESpfwGif tar&duef a':vm (5) bDvD,Hxd 0ifaiG&&Sdvmrnf[k cefYrSef;xm;Muonf/
,cktcsdefwGif w&kwfjynf prwfzkef; tokH;jyKolaygif; oef; (830) ausmf &Sv
d mNyD; aemufxyfvnf; wkd;yGm;vmaeonfhtwGuf Alipay
onf tGefvkdif;aiGay;acsrI wckrSsom r[kwfawmhacs/ olwkdYtaumifhrS 0ifaiG? xGufaiGrsm;ukd ppfaq;EkdifonfhtwGuf Alipay onf tokH;jyKol
oef; (300) \ ykdufqHtdwfwck ozG,f jzpfvmaeNyD/ xkdYaMumifh tmvDbmbmonf w&kwfaiGaMu;0efaqmifrIaps;uGuftm; armif;ESifaeonfh
tpdwftykdif;w&yf jzpfvmaeNyDjzpfonff/
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jynfolrsm;\ tusKd;pD;yGm;tm; pdwf0ifpm;rI r&SdMuovkd EkdifiHykdif bPfrsm;onfvnf; jynfolwOD;csif;pD\ vkdtyfcsuf? pD;yGm;a&;vkyfief;i,frsm;\
vkdtyfcsufrsm;tm; pkd;pOf;rSs pdwfr0ifpm;Muacs/ jynfolrsm;taejzifh tjcm; a&G;cs,fp&mr&SdbJ EkdifiHykdifpD;yGm;a&;vkyfief;rsm;ukdom
tm&kHpkdufvkyfaqmifay;aeonfh tpkd;&bPfrsm;wGifom olwkdYaiGaMu;rsm;tm; pkaqmif;aeMu&onf/ EkdifiHykdifpD;yGm;a&;vkyfief;rsm;\ EkdifiHa&;t&
t&Sifocifrsm;onf tpkd;&bPfrsm;om jzpfaeao;onf/
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w&kwfEkdifiHawmf A[kdbPf ESifh w&kwf pkdufysKd;a&;bPfwkdYonf aiGaMu;aps;uGuf\ (70) &mckdifEIef;ukd xdef;csKyfxm;onf/ jynfolrsm;u
tqkdygbPfrsm;tm; olwkdUtay: tzufrvkyf? *&krpkdufrItay: avSmifajymifoa&mf vmcJhMuonf/ ICBC twkad umuftm; w&kwfa0g[m&jzifh
t&SnfzGifhMunfhygu ==rif;wkdY igwkdYqD aiGpkpk? rpkpk? bmvkdyJxifxif? b,folYrS *&kpkdufbl;++ qdkNyD; oa&mfawmawm ajymwwfMuonf/ w&kwf
tpkd;&ykdifbPfrsm;onf pkaqmif;aiGrsm;tm; aiGaMu;azmif;yGrIESifh rumrdavmufatmif rajymyavmufonfh twkd;EIef;jzifhom ay;cJhMuonf/
w&kwftpkd;&\ aiGaMu;qkdif&m wif;MuyfuefYowfrIrsm;uvnf; w&kwfjynf\pD;yGm;tm; cGswfacsmfwdrf;apmif;rIrsm;ukd jzpfapcJhonf/
jynfolrsm;pkaqmif;Muonfh t&if;tESD;rsm;ukd tokH;jyKum tpkd;&bPfrsm;onfh tusKd;tjrwfr&Sd? tcsnf;tESD;jzpfaeaom
EkdifiHykdifpD;yGm;a&;vkyfief;rsm;wGif &if;ESD;jrKyfESHrI jyKvkyfMuonf/ w&kwfjynf\ &if;ESD;jrKyfrIrsm;tm; tqkH;t&IH;ukd jzpfapcJhonfh ykHpHa[mif;pD;yGm;a&;
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u@tvkdufcGJa0owfrSwf&ef vkdtyfaMumif;ukdvnf; em;vnf oabmaygufxm;onf/ xkdokdY jyKjyifajymif;vJrI jyKvkyfvkdufvSsif
tusKd;tjrwfcHpm;&rnfholrsm;txJwGif w&kwftpkd;&vnf; tygt0ifjzpfonf/ tmvDbmbmu xkdokdY w&kwf aiGaMu;u@m\ usnf;xJusyfxJ
tajctaewGif vIyf&Sm;aqmif&Gufae&jcif;jzpfonf/ tmvDbmbmu tGefvkdif; tusKd;wl&efykHaiG (Mutual Funds) vkyfief; Yue Bao tm;
(2013) ckESpfwGif pwif taumiftxnfazmfcJhonf/ jynfolrsm;\ pkaqmif;aiGtay:wGif tpkd;&bPfrsm;rS ay;onfhtwkd;EIef;xuf
ykdrsm;aomaMumifh vlrsm;\ tm;ay;BudKqkdrIukd &&SdcJhonf/ xkdokdY tusKd;wl&efykHaiG vkyfief;tm; vlBudKufrsm; vufcHvmrIu w&kwf\
rwnfrNidrfjzpfaeaom aiGaMu; 0efaqmifrIvkyfief;tm; xdef;rEkdifodrf;r& tajctaexd jzpfoGm;apcJhonf/ Yue Bao qkdonfh w&kwfa0g
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aiGaMu;pkaqmif;xm;Ekdifonfh ae&mwck[k qkdvkdjcif;jzpfonf/ tqkdyg0efaqmifrIvkyfief;tm; tmvDbmbu pwiftaumiftxnfazmfcsdefu
jynfolrsm;taejzifh aiGaMu;yrmP rnfrSsxd trsm;qkH; xnfh0ifpkaqmif;Ekdifrnf[k owfrSwfxm;jcif; r&SdcJhacs/ Yue Bao uay;onfh
twkd;EIef;onf tpkd;&bPfrsm;u ay;aom twkd;EIef;xuf (2) &mckdifEIef; ykdrsm;jcif;ESifh rnfonfhtcsdefwGifrqkdjyefvnf xkwf,lEkdifNyD; xkdokdU
xkwf,ljcif;jcif; wjym;wcsyfrSs epfemqkH;&IH;rI r&Sdjcif;aMumifh jynfolrsm;onf tpkd;&bPfwGif tyfESHxm;cJhonfh olwkdYpkaqmif;aiGrsm;tm;
xkwf,lum Yue Bao wGif vma&muf tyfESHvmcJhMuonf/ xkdokdY jynfolrsm; tvkH;t&if;ESifh olwkdUpkaqmif;aiGrsm;tm; jyefvnf
xkwf,lvmMuonfhtwGuf tpkd;&bPfrsm;taejzifh pkd;&drfp&m jzpfvmcJh&onf/ (2014) ckESpf azazmf0g&Dvu Yue Bao wGif
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tjcm;aomaiGaMu; 0efaqmifrIjyKvkyfaeMuonfh vkyfief;pkpkaygif;xuf tvGefrsm;jym;onfh yrmP jzpfonf/ aiGom;pD;0ifrI
tvGefrsm;jym;onfhtwGuf Yue Bao onf (10) vtwGif;wGif urmhtBuD;qkH; aiGaMu;0efaqmifrI jyKvkyfolrsm;jzpfonfh Vanguard ? Fidelity
ESifh J.P. Morgan NyD;vSsif pwkwae&mokdY a&muf&SdoGm;cJhonf/
tqkdyg tusKd;wl&efyHkaiG vkyfief;tm; rpwifrDS *sufonf w&kwu
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12

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jyefvnfxkd;ESuf &IyfcsrIrsm; jyKvkyfcJhonf/ (2014) ckESpf? rwfvwGif tar&duefa':vm pkpkaygif; x&DvD,H (100) ausmf ykdifqkdifxm;Muonfh
tpkd;&ykdifbPfrsm;u jynfolrsm;taejzifh tpkd;&ykdifbPfrsm; r[kwfonfh tjcm; aiGaMu;0efaqmifrIvkyfief;rsm;wGif pkaqmif;Ekdifonfh
aiGaMu;yrmPtm; pwifuefUowfvmcJhonf/ aemufykdif; tpkd;&taejzifh tjcm; wif;usyfonfh pnf;rsOf;pnf;urf;rsm;ukdvnf; csrSwfvmcJhonf/
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tmPmokH;NyD; rvkyfoifhbl;/ azmufonfawGuyJ vkyfvdrhfr,f++ [k vnf; a&;om;cJhonf/ tqkdygpmom;tm; vlrIuGef,ufwGif a&;om;cJhNyD;
rMumrSD *sufu jyefvnf jzKwfcscJhonf/ okdUaomfvnf; tjcm;olrsm;u tqkdygpmom;rsm;tm; xyfqifh us,fus,fjyefUjyefU jzefUa0cJhMuonf/
tmvDbmbmtaejzifh olwkdY\ pD;yGm;a&;vkyfief;rsm; ta&mif;t0,fjyKvkyfMuonfh ukefonfrsm;ESifh azmufonfrsm;tm;
aiGaMu;xkwfacs;jcif;uJhokdY aiGaMu;qkdif&m0efaqmifrIvkyfief;rsm; jyKvkyfvmcJhNyD; w&kwfjynf\ aiGaMu;u@jyKjyifajymif;vJrIwGif woD;yk*v\
yg0ifrI e,fy,ftm; qufvufcsJUxGif&ef BudK;yrf;vmcJhonf/ w&kwfjynfwGif vkyfief;opfwckjzpfvmonfh aiGacs;vkyfief;onf ESpftenf;ti,ftwGif; a':vm bDvD,HESifhcsD BuD;xGm;vmaeonfh vkyfief;wck jzpfvmrnf[k arSsmfvifhxm;Muonf/ tmvDbmbmu aiGaMu;rsm;
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acs;aiGvkyfief;vkyfaqmif&mwGif tpkd;&bPfrsm;xuf pGefYpm;&rI ykdenf;onfh tm;omcsufvnf;jzpfaponf/ tmvDbmbm\ tvkyfcGJwckjzpfonfh
acs;aiGqkdif&m pDrHcefYcGJa&;tzGJU Sesame Credit Management uvnf; azmufonfrsm;ESifh ukefonfrsm;\ aiGacs;Ekdifonfh tqifhtwef;?
taetxm;ukd pDppf owfrSwfjy|mef; ay;vsuf&Sdonf/
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&Gufay;jcif;ESifh tmrcHvkyfief;rsm;vnf; yg0ifonf/ (2015) ckESpfu *sufonf tifwmeufwckwnf; tokH;jyK vkyfaqmifEkdifonfh bPfvkyf
ief;oabmjzpfonfh MYbank vkyfief;tm; pwiftaumifxnf azmfcJhonf/ bPfcGJrsm;tm; oGm;vm&onfh tcuftcJtm; vkH;0 z,f&Sm;Ekdif&ef
jzpfonf/ MYbank tm; tokH;jyKrnfholrsm;onf rnfolrnf0g jzpfaMumif; jyo&ef prwfzkef;ukdom tokH;jyK&ef pDrHxm;onf/
pGrf;&nf (3) &yf aygif;pyfxm;onfh oHrPdBwd*Honf
vTrf;rkd;jc,fvS,fEkdif&ef t"du zwfwmwckyif jzpfayonf/

tmvDbmbmtwGuf

w&kwfjynf\

tD;aumrm;

aps;uGuftm;

Ref: Duncan Clark, Alibaba: The House That Jack Ma Built

pma&;ol - *&d