腾讯近三成收入来自金融科技，支付、理财、区块链等成发力重点

姜樊|财联社

Kang Dynasty Association

金融科技已经成为互联网巨头的必争之地。

Financial science and technology have become a necessity for the Internet giants.

11月13日，腾讯发布第三季度财务数据显示，今年三季度收入同比增长21%，主要是受商业支付服务及其他金融科技服务、智能手机游戏、社交及其他广告业务所推动。其中，金融科技及企业服务的收入同比增长36%至人民币267.58亿元。

On November 13, the third-quarter financial data released by Quinter revealed a 21% increase in revenue in the third quarter of this year, driven mainly by business payment services and other financial and technological services, smartphone games, social and other advertising operations. Of this, revenues from financial science and technology and business services increased by 36% to RMB 26,758 million over the same period.

实际上，当下几乎所有互联网巨头在金融科技领域发力，并且已经形成角逐之势，而在金融科技等领域的投入也越来越多。

In fact, almost all the Internet giants at the moment are active in the field of financial science and technology and are already on the rise, and there is increasing investment in such areas as financial science and technology.

腾讯董事会主席兼首席执行官马化腾也表示，由于用户活跃度提升及广告技术改善，腾讯的金融科技及企业服务以及广告分部的收入，均获得双位数的环比增长，体现了腾讯新业务的实力及业务的多元化发展。“展望未来，我们将对产品、科技与服务继续投入，为用户带来价值。”

The Chairman of the Board of Directors and Chief Executive Officer Matten also said that, as a result of increased user activity and improved advertising technology, the financial technology and business services of the Board of Directors, as well as the revenue of the advertising divisions, had increased by double digits, reflecting the strength of the new business and the diversification of the business. “Looking ahead, we will continue to invest in products, technology and services, bringing value to users.”

那么，金融科技是如何在短时间内实现收入占比近三成的呢？

How, then, does financial technology achieve nearly 30 per cent of income in a short period of time?

支付相关业务遍地开花

pays for the operation everywhere

在金融科技领域，支付已经成了最重要的收入来源。腾讯表示，金融科技服务方面，随着用户活动及现金流转增加，支付生态系统日益蓬勃。日活跃用户数、人均用户交易量、活跃商户数等均有所增加，促进了商业支付交易笔数（尤其是线下支付）及交易金额的强劲增长。

In the area of financial science and technology, payments have become the most important source of income. In the area of financial science and technology services, the payment ecosystem has grown as user activity and cash flows have increased.

值得注意的是，腾讯一直都在想方设法增加客户粘性。

It is worth noting that tweaks have been trying to increase the stickyness of their clients.

今年，腾讯着力推进乘车码业务。自2017年7月在广州上线以来，乘车码已覆盖北京、深圳、上海等120多个城市，支持BRT、公交、地铁、索道、轮渡等智慧交通移动支付场景，目前乘车码用户数已超过1亿。

This year, Tetsu has been working to promote the use of car codes. Since its inauguration in Guangzhou in July 2017, it has covered more than 120 cities, including Beijing, Shenzhen and Shanghai, supporting the BRT, bus, subway, stellar, ferry, and other smart traffic mobile payment scenes, which currently number more than 100 million users.

与此同时，随着越来越多的港澳台同胞及外籍人士选择来中国内地旅游、工作、生活，腾讯进行了积极探索和创新。2019年10月，入境游的外国人和港澳台同胞，可以使用We TaxFree Pass离境退税小程序扫码实时退税。

In October 2019, foreigners and Hong Kong compatriots travelling in Hong Kong and Hong Kong were able to use the We TaxFree Pass small-scale tax check-back procedure for leaving China.

中信证券发布报告称，目前国内移动支付市场，按交易额计算，支付宝和微信支付稳居TOP2位置，竞争格局基本趋稳，支付宝、腾讯补贴力度亦开始减弱，利好腾讯自身财务业绩改善。“我们预计腾讯短期仍将继续强化成本、费用控制，利好利润率持续改善。”

The Chinese Portfolio release report states that the current domestic mobile payment market, in terms of turnover, where payment of treasures and micro-trust payments have stabilized at TOP2, competition patterns have generally stabilized, and payment of treasures and telecommunications subsidies have begun to weaken, allowing for improved financial performance. “We expect that the communications will continue to strengthen cost and cost controls in the short term, and that profit margins will continue to improve.”

杰富瑞分析认为，金融科技及商业服务将成腾讯长远机遇，在支付方面腾讯主要聚焦渗透低端城市、加强中小型商户网络并拓展支付场景，而提款减慢反映用户更愿意在其生态系统内消费。

Geoffrey's analysis suggests that financial science and technology and business services will be long-term opportunities, with payments focused primarily on reaching low-end cities, strengthening small and medium-sized business networks and expanding payment scenarios, while the slowdown reflects users' preference for consumption within their ecosystems.

财富管理成发展方向

实际上，在生态系统内消费，也促生了腾讯财富管理的进一步发展。

Indeed, consumption within ecosystems has also contributed to the further development of wealth management.

“随着用户忠诚度的提高，越来越多的用户资金通过腾讯生态系统流转，我们平台的金融科技服务得到进一步推广，提升了该业务的利润率。”腾讯相关负责人表示，尤其是在财富管理方面，理财通用户数同比翻倍，驱动总客户资产的增长。

“As user loyalty increases, more and more user funds flow through the tweaking ecosystem, our platform's financial science and technology services are further promoted, increasing the profitability of the business.” According to the officials in charge of tweaking, especially in wealth management, the number of users of finance doubled, driving the growth of total client assets.

此外，财联社记者获悉，腾讯拟与中金成立合资技术公司，以金融科技助力财富管理业务发展。在今年9月24日，腾讯旗下全资附属公司腾讯数码（深圳）有限公司与中国国际金融股份有限公司订立股东协议，拟成立一家合资技术公司，其中中金持股 51%，腾讯数码持股49%。

In addition, FAFICS journalists have been informed of the intention to set up a joint venture technology company with China to help finance the development of wealth management operations. On 24 September this year, a fully-owned subsidiary, Tetsu Digital (Hin Shenzhen), Ltd., entered into a shareholder agreement with China’s International Finance Corporation, Ltd., to set up a joint venture technology company, of which 51 per cent was held in gold and 49 per cent in tether digital.

据了解，该合资公司将坚守技术服务公司定位，结合腾讯金融科技在互联网系统底层开发、用户服务中前台建设等方面的技术和产品能力，以及中金公司在金融领域的专业资产及合规能力，初期聚焦核心技术基础体系建设，助力双方财富管理业务发展，未来可考虑将技术服务能力进行对外输出。

It is understood that the joint venture will adhere to the position of a technology service firm, combine the technical and product capabilities of telecommunications finance technology in the development of the bottom of the Internet system, the front-office development of user services, and the professional assets and compliance capabilities of the company in the area of finance, with an initial focus on the development of a core technology infrastructure that will contribute to the development of wealth management operations on both sides, and that in the future consideration may be given to the export of technology services.

区块链领域成发力重点

除了传统支付业务，如区块链等新技术也正在成为腾讯金融科技发力重点。

In addition to traditional payment operations, new technologies, such as block chains, are becoming the focus of financial science and technology.

对于互联网巨头而言，针对区块链领域的探究与应用落地，近年来一直在进行：对于区块链票据、供应链金融等方向的探究，腾讯及其他互联网巨头都在重点推进。

For the Internet giants, research and applications in the area of block chains have been taking place in recent years: in the direction of block chain instruments, supply chain finance, etc., Steaming and other Internet giants have been focusing on progress.

据腾讯相关负责人介绍，在目前已落地的腾讯区块链应用中，区块链电子发票项目“税务链”、供应链金融项目“微企链”、司法存证项目“至信链”和城商行银行汇票项目均取得一定的成果。

According to the relevant officials, in the application of the tether block chain, which is currently on the ground, the block chain electronic invoice project “Treat chain”, the supply chain finance project “Microbusiness chain”, the judicial documentation project “To the letter chain” and the municipal comptoir bank billing project have achieved some results.

在区块链电子发票领域，自2018年8月，腾讯金融科技作为区块链电子发票底层技术提供方在深圳发行了全球第一张区块链电子发票之后，截至2019年10月30日，深圳区块链电子发票已突破1000万张，开出金额70亿元，已有7600家企业开通区块链电子发票，极大减轻了实体经济负担，并广泛应用于衣食住行，涉及银行，地铁、出租车、地产、旅游、金融保险、零售商超、酒店餐饮、停车服务等行业。

In the area of block chain electronic invoices, following the issuance of the first global block chain electronic invoice in Shenzhen by the provider of finance technology as the bottom of the block chain in August 2018, the Shenzhen block chain electronic invoice was broken by 10 million copies as at 30 October 2019, amounting to $7 billion, and 7,600 enterprises opened the block chain electronic invoice, greatly reducing the burden on the real economy and applying it widely to clothing and housing, including in the banking, subway, taxi, real estate, tourism, financial insurance, retail trader super, hotel catering, parking services, etc.

“区块链电子发票具有全流程完整追溯、信息不可篡改等特性，与发票逻辑吻合，能够有效规避假发票，完善发票监管流程。”腾讯金融科技相关负责人表示，区块链发票还具有降低成本、简化流程、保障数据安全和隐私的优势。

“The electronic block chain invoice, which has the characteristics of complete process retraceability, immobility of information, etc., is consistent with the invoice logic and can effectively circumvent false invoices and improve the process of control of invoices.” According to the head of financial science and technology, block chain invoices also have the advantage of reducing costs, simplifying processes, safeguarding data security and privacy.

而在供应链金融领域，腾讯金融科技还与联易融共同打造了供应链金融开放平台“微企链平台”，该平台结合了腾讯区块链技术、财付通支付等金融科技能力与联易融领先的资产审核能力，通过区块链不可篡改、信息可溯的特性，实现核心企业的信用穿透覆盖至长尾供应商，提高小微企业融资可获得性、降低融资成本。

In the area of supply chain finance, TST has also developed, together with interlocking finance, the “Microbusiness Chain Platform” of the Supply Chain Financial Open Platform, which combines financial science and technology capabilities such as tether block chain technology, payment for money with the ability to identify assets that are easily aligned to lead by providing credit penetration to long-tail suppliers through the intricacies of the block chain and the traceability of information. The platform enhances the availability and reduces the cost of financing for micro-enterprises.

此外，法务存证平台“至信链”打通了全国唯一的移动端诉讼平台“中国移动微法院”，多家高级人民法院加入至信链成为权威节点，当前链上存证数据超过千万条；城商银行汇票共部署48个区块链节点，每日开票约200张，创新性地激活了存量客户，有效防范票据市场风险。

In addition, the legal documentation platform “to the letter chain”, which connects the country's only mobile-end litigation platform, China's Mobile Microcourt, has been joined by a number of high-level people's courts to become authoritative nodes in the letter chain, with more than 10 million pieces of data being recorded on the current chain; 48 block chain nodes are deployed to city merchant banks' drafts, about 200 tickets are opened daily, and stock customers are innovatively activated to effectively protect against the risk of the paper market.

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