阿里巴巴(Alibaba)擬推出港版余額寶。作為阿里巴巴旗下頗受歡迎的中國貨幣市場基金，余額寶的收益率要高于傳統(tǒng)賬戶的人民幣存款利率。
阿里巴巴旗下的金融部門“支付寶”(Alipay)正與香港金融管理局(HKMA)進行談判，希望獲得推出港版余額寶的授權。余額寶于去年6月推出，至今已吸引逾5740億元人民幣（合940億美元）資金。
此舉凸顯出，阿里巴巴在紐約完成了融資額創(chuàng)紀錄（250億美元）的首次公開發(fā)行(IPO)后，決心將其模式復制到海外。
如果阿里巴巴獲得香港及中國內地雙方批準，港版余額寶將把資金投到內地，以實現(xiàn)更高的回報。該集團表示，它認為回報率能達到4%，而目前市面上的回報率為1%。
阿里小微金融服務集團首席戰(zhàn)略官舒明表示：“我們希望不晚于明年初推出這項服務。而且，如果我們能把資金投回內地，我們就能有大的作為。我們正在努力中。”阿里小微金服旗下的支付寶為中國最大的在線支付提供商。
支付寶要想在香港實現(xiàn)這一雄心勃勃的計劃，需先獲得銀行牌照。香港金管局一名資深職員表示：“他們需要成為一家持牌銀行，香港的發(fā)牌制度非常嚴格。”
支付寶還需內地有關部門批準其在離岸人民幣市場集資、但隨后再將資金投回內地的計劃，因為內地存在資本賬戶管制。如果中國央行和國家外匯管理局(SAFE)都予以批準，這將是中國銀行業(yè)體系朝著自由化邁出的重要一步。
目前，基金公司主要通過人民幣合格境外機構投資者(RQFII)項目，將離岸人民幣資金投入內地資本市場。
RQFII主要由債券基金和交易所交易基金(ETF)組成，監(jiān)管部門迄今沒有批準過RQFII貨幣市場基金。
摩根士丹利(Morgan Stanley)數據顯示，香港人民幣存款現(xiàn)相當于港元存款的25%。
支付寶還在考慮推出一個港元產品，盡管該產品的潛在利率差將小于任何人民幣產品。
支付寶披露此項計劃之際，中國內地和香港都在就影子銀行以及互聯(lián)網金融對正規(guī)銀行業(yè)的影響展開激烈辯論。(更多資訊請關注中國進出口網)

Alibaba plans HK money market fund
 Alibaba is looking to start a Hong Kong version of its enormously popular Chinese money market fund, which pays higher rates on renminbi deposits than are available on conventional accounts.
Its Alipay financial unit is in talks with the Hong Kong Monetary Authority about securing authorisation to offer a local version of its Yu’E Bao money market fund, which launched in June last year and has already attracted more than Rmb574bn ($94bn).
The move underscores Alibaba’s determination to take its template beyond China, now that it has completed its record $25bn initial public offering in New York.
If Alibaba receives approval from both Hong Kong and China, the funds would be invested in the mainland in order to achieve higher returns. The group says it believes it could offer 4 per cent returns, compared with the 1 per cent currently available.
“We are hoping to introduce it by early next year,” said Ming Shu, who is responsible for micro finance and SME finance for Alipay, which is also China’s largest online payments provider. “And if we can send the money back to China, we can make a big difference. We are pushing hard.”
For Alipay to realise its ambitious plans in Hong Kong it would need a banking licence. “They would have to become a licensed bank and there is a very strict licensing regime in Hong Kong,” said one senior HKMA staffer.
Alipay would also need mainland authorities to sign off on its plans to collect money in the offshore renminbi market but then send the money back into China, given capital controls on the mainland. If the People’s Bank of China and the State Administration for Foreign Exchange agree, it would represent a major step toward liberalisation of the banking system.
Currently the main channel through which fund companies can invest offshore renminbi in mainland capital markets is the Renminbi Qualified Foreign Institutional Investor programme.
Regulators have not so far approved a money market fund under RQFII, which mainly consists of bond funds and equity exchange traded funds.
Renminbi deposits are now 25 per cent of Hong Kong dollar deposits, according to data from Morgan Stanley.
Alipay is also considering launching a Hong Kong dollar product, although the potential rate difference on that would be smaller than any renminbi product.
The Alipay plan comes at a time of big debate on both sides of the border about shadow banks and the impact of internet finance on the formal sector.
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