互聯網會把金融分險極巨放大，所以2020年12月26日，人民銀行、銀保監會、證監會、外匯局等金融管理部門聯合約談了螞蟻集團。隨后，螞蟻回應被約談：成立整改工作組；全面落實約談要求。

據螞蟻集團微信公眾號消息，12月26日，螞蟻集團接受了金融管理部門的約談。螞蟻集團會在金融管理部門的指導下，成立整改工作組，全面落實約談要求，規范金融業務的經營和發展。

螞蟻集團將積極對照和落實監管要求，堅守服務實體經濟和人民群眾的本源，遵循市場化、法治化的原則，健全公司治理、梳理相關業務和機制、提升法律法規意識和水平、擴大開放共贏力度和范圍、加強消費者權益保護，全面提高業務經營的合規水平和社會責任意識。螞蟻集團已立即著手制定整改方案和工作時間表，并將在過程中及時尋求監管的指導。

在全力保證業務合規的同時，螞蟻集團會加強業務風險管控，保持業務連續性和服務質量。在整改過程中堅持「兩不加、兩不降」原則：不增加消費者成本、不增加金融機構等合作伙伴成本；不降低消費者服務體驗、不降低風險防范標準和要求。

螞蟻集團感謝金融管理部門對于公司的指導和幫助。我們將利用此次契機，夯實企業合規發展的根基，在服務實體經濟和遵從金融監管的前提下，堅持守正創新，堅持服務小微，通過發展金融科技助力提高金融服務效率和普惠性，并不斷提升國際競爭力，為構建雙循環新發展格局貢獻力量。

螞蟻集團

2020年12月27日

On Dec. 26， 2020， financial regulators held a meeting with Ant Group. Under the regulators’ guidance， Ant Group will establish a rectification working group and fully implement requirements raised at the meeting to bring into line the operation and development of our financial-related businesses.

And Group will comply strictly with regulatory requirements， focusing on serving the real economy and the people as the core of our business. We will firmly uphold market-driven and law-based principles， and work to improve our corporate governance， review relevant businesses and process， and enhance awareness of and ability to comply with relevant laws and regulations. We will enlarge the scope and magnitude of opening up for win-win collaboration， review and rectify our work in consumer rights protection， and comprehensively improve our business compliance and sense of social responsibility. Ant Group will make its rectification plan and working timetable in a timely manner and seek regulators’ guidance in the process.

While fully ensuring business compliance， Ant Group will also enhance our risk management and control， and ensure continuity and quality of our services. In the process of rectification， we will adhere to the principles of not placing additional costs on consumers and partners such as financial institutions， and maintaining the consumer experience as well as risk control standards and requirements.

We appreciate financial regulators’ guidance and help. The rectification is an opportunity for Ant Group to strengthen the foundation for our business to grow with full compliance， and to continue focusing on innovating for social good and serving small businesses. We will further develop technology to continuously improve the efficiency and inclusiveness of financial services， strengthen our global competitiveness and contribute to the new development paradigm of“dual circulation”under the preconditions of serving the real economy and complying with financial regulation.

Ant Group

December 27， 2020