印度小米银行，依托电话业务，加入金融混战

China’s Xiaomi (1810.HK) is poised to launch a consumer lending business in India in the coming weeks, making an ambitious tilt at the booming financial services market where data privacy concerns and fierce competition present formidable challenges.

中国小米(1810.HK)准备在未来几周内在印度推出一项消费贷款业务，从而雄心勃勃地向蓬勃发展的金融服务市场倾斜。在印度，对数据隐私的担忧和激烈竞争构成了巨大挑战。

The stakes are high for the world’s fourth largest mobile phone vendor, whose business model relies on low-margin hardware sales with services as a key long-term profit center. The company reported disappointing second-quarter earnings on Tuesday and its shares are trading at slightly over half their 2018 IPO price

对于这家全球第四大手机厂商来说，风险很高。该公司的商业模式依赖于低利润率的硬件销售，而服务是其关键的长期利润中心。该公司周二公布了令人失望的第二季度业绩，目前股价略高于2018年IPO价格的一半

Xiaomi is betting it can leverage its number one position in India’s smartphone market to tap into the country’s lucrative but crowded financial services sector. Yet, the mounting public concern over data privacy, which has forced tech giants like Google (GOOGL.O) and Facebook (FB.O) to change the way they do business, could make it a bumpy road for the Chinese firm.

小米押注，它能够利用自己在印度智能手机市场的第一地位，进入印度利润丰厚但竞争激烈的金融服务业。然而，公众对数据隐私日益增加的担忧，迫使谷歌和Facebook等科技巨头改变了经营方式，这可能会让这家中国公司的道路变得崎岖不平。

Indeed, Xiaomi’s approach to data collection and privacy has raised eyebrows among some of those familiar with its international expansion plans. The company remains a small player in financial services in its home country, according to documents seen by Reuters.

事实上，在一些熟悉小米国际扩张计划的人士中，小米在数据收集和隐私保护方面的做法令人侧目。据路透社(Reuters)看到的文件显示，该公司在中国的金融服务领域仍是一家小公司。

Xiaomi faces ferocious competition across Asia from banks, global tech giants, fintech startups and others who are scrambling for position in the region’s booming digital economy.

小米在亚洲面临着来自银行、全球科技巨头、金融科技初创企业以及其他企业的激烈竞争，这些企业正在亚洲蓬勃发展的数字经济中争夺一席之地。

In Indonesia, another key market, Xiaomi’s financial unit had to shut down in late 2018 due to a disagreement with regulators over licensing.

在另一个关键市场印度尼西亚，小米的金融部门因与监管机构在许可问题上存在分歧，于2018年底被迫关闭。

A source familiar with Xiaomi’s India efforts said the company was doing well there with its first offering, a payment app called Mi Pay that launched in March.

一位熟悉小米在印度的努力的消息人士说，小米在印度的第一次发行表现良好，这是一款名为“小米支付”的支付应用程序，于3月推出。

“They seem to be following the market leaders, Apple and Google, where a smartphone eventually will become more than a phone and more of a financial play,” the source told Reuters.

消息人士对路透表示，"他们似乎在追随苹果和谷歌这两家市场领军企业，在这两家企业来看，智能手机最终将不仅仅是一部手机，更多的是一种金融产品。"