What is Ant Group?How to supervise the Ant Group is currently a hot topic of concerned by all walks of life. Before discussing the issue of regulation, we must first find out whether the Ant Group, as a financial technology leader, should be classified as a financial company or a technology enterprise?The core idea of this paper is to let finance belong to finance and technology belong to technology: Stripping Ant Group's financial service function, making it a big data platform to provide credit information for enterprises and consumers, and an important infrastructure to support the development of China's financial service industry and real economy. Turning Ant Group into a pure big data platform technology enterprise is an alternative regulatory direction.What should the Ant Group be?There is no shortage of financial institutions in China. What it lacks is the infrastructure to provide big data and credit information services for the financial industry and other industries. Ant Group can choose not to provide self-operated financial services and products, nor to provide so-called "loan assistance", but to concentrate on building a big data platform, providing credit information of enterprises and consumers, and charging a reasonable information service fee.How to supervise Ant Group?If Ant Group is transformed into a big data credit bureau, the supervision of Ant Group is not financial compliance, but the protection of consumer privacy and the supervision of credit reporting industry.
