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{"id":39825,"date":"2018-05-12T18:49:42","date_gmt":"2018-05-12T16:49:42","guid":{"rendered":"https:\/\/asialyst.com\/fr\/2018\/05\/12\/chin-puissance-dominante-bitcoin-crypto-monnaie-libertaire-copy\/"},"modified":"2019-06-13T11:32:52","modified_gmt":"2019-06-13T09:32:52","slug":"chine-fintech-inclusion-financiere-controle-social","status":"publish","type":"post","link":"https:\/\/asialyst.com\/fr\/2018\/05\/12\/chine-fintech-inclusion-financiere-controle-social\/","title":{"rendered":"La fintech en Chine : de l&rsquo;inclusion financi\u00e8re au contr\u00f4le social"},"content":{"rendered":"<div class=\"container\">\n\t<meta itemprop=\"keywords\" content=\"Economie,Entreprises\" \/>\n\t<a href=\"https:\/\/asialyst.com\/fr\/economie\/\" class=\"category category-37\">Economie<\/a><br \/>\n\t<time datetime=\"2018-05-12T18:49:42Z\" itemprop=\"datePublished\">\n\t\tPubli\u00e9 12 Mai 2018<br \/>\n\t\tMis \u00e0 jour 13 Juin 2019\t<\/time>\n\t<meta itemprop=\"dateModified\" content=\"2019-06-13T11:32:52Z\" \/>\n<\/div>\n<div class=\"container\">\n<div class=\"surtitre\" itemprop=\"headline\">Expert - Chine, l'empire num\u00e9rique<\/div><\/div>\n<div class=\"container\">\n\t<h1 itemprop=\"name\">La fintech en Chine : de l'inclusion financi\u00e8re au contr\u00f4le social<\/h1>\n<\/div>\n<div class=\"container\">\n  <div class=\"authors\">\n    <ul>\n    \t        <li class=\"author\" itemprop=\"author\" itemscope itemtype=\"http:\/\/schema.org\/Person\">\n          <a href=\"https:\/\/asialyst.com\/fr\/auteur\/bertrand-hartemann\/\" class=\"category-color\" itemprop=\"url\">\n            <span itemprop=\"name\" class=\"name\">\n              Bertrand Hartemann            <\/span>\n            <img data-del=\"avatar\" alt=\"Bertrand Hartemann\" src='https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2016\/10\/PORTRAIT-BERTRAND-HARTEMANN-150x150.jpg' class='avatar pp-user-avatar avatar-150 photo ' height='150' width='150'\/>          <\/a>\n        <\/li>\n    \t    <\/ul>\n  <\/div>\n<\/div>\n<div class=\"container\">\n  <div class=\"photo-une\" itemprop=\"image\" itemscope itemtype=\"http:\/\/schema.org\/ImageObject\">\n    <figure>\n      <a href=\"https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/05\/jack-ma-chine-alibaba-ant-financial-fintech.jpg\" class=\"article-image\" title=\"Le PDG du groupe Alibaba, Jack Ma. (Source : Yicai Global)\"><img loading=\"lazy\" decoding=\"async\" width=\"1732\" height=\"1155\" src=\"https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/05\/jack-ma-chine-alibaba-ant-financial-fintech.jpg\" class=\"img-responsive\" alt=\"Le PDG du groupe Alibaba, Jack Ma. (Source : Yicai Global)\" srcset=\"https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/05\/jack-ma-chine-alibaba-ant-financial-fintech.jpg 1732w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/05\/jack-ma-chine-alibaba-ant-financial-fintech-150x100.jpg 150w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/05\/jack-ma-chine-alibaba-ant-financial-fintech-250x167.jpg 250w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/05\/jack-ma-chine-alibaba-ant-financial-fintech-768x512.jpg 768w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/05\/jack-ma-chine-alibaba-ant-financial-fintech-1024x683.jpg 1024w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/05\/jack-ma-chine-alibaba-ant-financial-fintech-200x133.jpg 200w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/05\/jack-ma-chine-alibaba-ant-financial-fintech-300x200.jpg 300w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/05\/jack-ma-chine-alibaba-ant-financial-fintech-600x400.jpg 600w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/05\/jack-ma-chine-alibaba-ant-financial-fintech-900x600.jpg 900w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/05\/jack-ma-chine-alibaba-ant-financial-fintech-1280x853.jpg 1280w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/05\/jack-ma-chine-alibaba-ant-financial-fintech-1600x1067.jpg 1600w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/05\/jack-ma-chine-alibaba-ant-financial-fintech-680x453.jpg 680w\" sizes=\"auto, (max-width: 1732px) 100vw, 1732px\" \/><\/a>\n      <meta itemprop=\"height\" content=\"1732\"\/>\n      <meta itemprop=\"width\" content=\"1155\"\/>\n      <meta itemprop=\"contentUrl\" content=\"https:\/\/asialyst.com\/fr\/2018\/05\/12\/chine-fintech-inclusion-financiere-controle-social\/\"\/>\n      <figcaption class=\"legend\" itemprop=\"description\">\n      \t<div class=\"container\">\n        \tLe PDG du groupe Alibaba, Jack Ma. (Source : <a href=\"https:\/\/www.yicaiglobal.com\/news\/jack-ma-overtakes-wang-jianlin-chinas-richest-man-pony-ma-ranks-third-forbes-says\" rel=\"noopener\" target=\"_blank\">Yicai Global<\/a>)        <\/div>\n      <\/figcaption>\n    <\/figure>\n  <\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"chapo\" itemprop=\"description\">\n\t\tFort d&rsquo;un march\u00e9 de 730 millions d&rsquo;internautes, la Chine s&rsquo;impose comme le centre n\u00e9vralgique de la finance num\u00e9rique, ou \u00ab\u00a0fintech\u00a0\u00bb. Les g\u00e9ants des nouvelles technologies plongent leurs racines au plus profond des pratiques quotidiennes de la soci\u00e9t\u00e9 de consommation chinoise. Baidu, Alibaba et Tencent ont su d\u00e9velopper des \u00e9cosyst\u00e8mes complets combinant services d&rsquo;usage quotidien et offre financi\u00e8re. Le succ\u00e8s est d&rsquo;autant plus fort que la classe moyenne chinoise a \u00e9t\u00e9 d\u00e9laiss\u00e9e par un syst\u00e8me bancaire principalement tourn\u00e9 vers le financement de l&rsquo;appareil industriel. Mais cet essor de la fintech a \u00e9galement sa part d\u2019ombre. Elle participe du contr\u00f4le accru des comportements sociaux.\t<\/div>\n<\/div>\n<div class=\"container\">\n\t<h2>D\u00e9s\u00e9quilibre structurel de l&rsquo;offre bancaire<\/h2>\n<\/div>\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tLe succ\u00e8s de la fintech chinoise r\u00e9side dans la conjonction d&rsquo;une soci\u00e9t\u00e9 avide de nouvelles technologies, d&rsquo;un syst\u00e8me bancaire sous-d\u00e9velopp\u00e9 et d&rsquo;un environnement r\u00e9glementaire souple. R\u00e9siliente au \u00ab\u00a0big bang\u00a0\u00bb de la crise financi\u00e8re de 2008, la Chine compte aujourd&rsquo;hui parmi les plus grandes banques du monde. Mais sous la tutelle du gouvernement, le syst\u00e8me bancaire s&rsquo;est principalement structur\u00e9 autour du financement des entreprises publiques et des collectivit\u00e9s locales. Pr\u00e8s des deux tiers des pr\u00eats leur sont destin\u00e9s. Les petites entreprises et la classe moyenne ont au contraire \u00e0 subir un rationnement du cr\u00e9dit et une faible r\u00e9mun\u00e9ration des d\u00e9p\u00f4ts.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\t<div class=\"bulle\">\n\t*McKinsey, 2016.<\/div>Les g\u00e9ants du num\u00e9rique ont naturellement combl\u00e9 le vide en r\u00e9pondant \u00e0 l&rsquo;ensemble des besoins, financiers et non financier. Il faut dire que le potentiel de croissance est immense : la classe moyenne chinoise est la plus importante au monde. D&rsquo;ici \u00e0 2020, elle devrait compter plus de 400 millions d&rsquo;actifs disposant d&rsquo;un revenu annuel d&rsquo;au moins 10 000 dollars*.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<h2>Les paiements mobiles comme cheval de Troie<\/h2>\n<\/div>\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tLe smartphone est devenu le compagnon de tous les instants du consommateur chinois. Il sert \u00e0 socialiser, s&rsquo;informer, commander un repas, prendre un taxi, payer en magasin ou encore faire des transferts d&rsquo;argent \u00e0 un autre utilisateur\u2026 Scanner un <em>QR code<\/em> au moyen de son t\u00e9l\u00e9phone pour payer ses achats est d\u00e9sormais la norme. L\u2019argent liquide et les cartes bancaires sont presque devenus un anachronisme. Le cash ne devrait plus repr\u00e9senter que 30% (en valeur) des transactions d&rsquo;ici 2020, contre pr\u00e8s de 60% en 2010.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tAlipay, le portefeuille \u00e9lectronique d&rsquo;Alibaba compte aujourd&rsquo;hui 450 millions d&rsquo;utilisateurs. Pas moins de 175 millions de paiements sont trait\u00e9s quotidiennement, dont 60% effectu\u00e9s depuis un smartphone. Alipay contr\u00f4le d\u00e9sormais 55% des transactions en ligne contre 39% pour Tenpay, adoss\u00e9 au r\u00e9seau social WeChat.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tAnt Financial, la filiale financi\u00e8re d&rsquo;Alibaba (qui op\u00e8re Alipay) a r\u00e9alis\u00e9 en 2016 une m\u00e9ga lev\u00e9e de fonds de 4,5 milliards de dollars. Elle devrait entrer en bourse cette ann\u00e9e pour une valorisation estim\u00e9e entre 80 et 100 milliards de dollars. De quoi la propulser en t\u00eate des plus fortes capitalisations boursi\u00e8res devant de grandes banques comme BNP Paribas ou Goldman Sachs.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tAu-del\u00e0 des solutions de paiement, les g\u00e9ants du num\u00e9rique chinois couvrent l&rsquo;ensemble des services bancaires. Ant Financial s&rsquo;est diversifi\u00e9 et propose une solution de gestion de patrimoine <em>(Yu\u2019e Bao),<\/em> une banque en ligne (MYbank), une plateforme de micro-cr\u00e9dit (Ant Micro Loan), un service de notation cr\u00e9dit (Zhima Credit) et un syst\u00e8me de stockage informatique \u00e0 distance pour les institutions financi\u00e8res (Ant Financial Cloud). <em>Yu\u2019e Bao<\/em> est d\u00e9sormais le plus grand fond mon\u00e9taire au monde, g\u00e9rant plus de 250 milliards de dollars d\u2019actifs. Avec un taux d&rsquo;int\u00e9r\u00eat annuel proche de 4%, ce placement siphonne les d\u00e9p\u00f4ts bancaires traditionnels \u00e0 la r\u00e9mun\u00e9ration quasi-nulle.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tNon loin de la galaxie Ant Financial gravitent d&rsquo;autres \u00e9toiles. Sp\u00e9cialiste du micro-cr\u00e9dit, Qudian a lev\u00e9 11,67 milliards de dollars lors de son introduction \u00e0 la bourse de New York en 2017. S&rsquo;appuyant sur l&rsquo;infrastructure d&rsquo;Ant Financial, cette plateforme permet aux \u00e9tudiants et aux jeunes salari\u00e9s d&rsquo;acheter \u00e0 cr\u00e9dit smartphones, ordinateurs et autres mat\u00e9riels \u00e9lectroniques.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tL&rsquo;assureur en ligne Zhong An conna\u00eet \u00e9galement une croissance exceptionnelle. Depuis sa cr\u00e9ation en 2013, il a distribu\u00e9 plus de 8,2 milliards de polices \u00e0 543 millions d&rsquo;assur\u00e9s. Son chiffre d&rsquo;affaires est r\u00e9alis\u00e9 autour de produits niches int\u00e9gr\u00e9s dans les parcours d&rsquo;achats en ligne. Zhong An propose plus de 300 micro-assurances comme, par exemple, des assurances retard d&rsquo;avion, des garanties couvrant la casse des smartphones ou le remboursement de frais de livraison en cas de retour de produits achet\u00e9s en ligne. Cr\u00e9\u00e9 \u00e0 l&rsquo;initiative d&rsquo;Alibaba, Tencent et Ping An, cet assureur est d\u00e9sormais valoris\u00e9 \u00e0 11 milliards de dollars.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tLa plateforme Lufax est quant \u00e0 elle sp\u00e9cialis\u00e9e dans les pr\u00eats entre particuliers <em>(\u00ab\u00a0peer to peser\u00a0\u00bb ou P2P).<\/em> Filiale de l&rsquo;assureur Ping An, elle compte plus de 32 millions d&rsquo;utilisateurs. Ce secteur est certainement l&rsquo;un des plus sp\u00e9culatifs. De nombreuses plateformes de P2P ont r\u00e9cemment fait faillite en Chine, certaines frauduleusement comme Ezubao. Ayant atteint une taille critique, la fintech chinoise commence d&rsquo;ailleurs \u00e0 pr\u00e9senter un risque syst\u00e9mique. Ce secteur fait d\u00e9sormais l&rsquo;objet d&rsquo;une plus grande attention de la part du r\u00e9gulateur.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<h2>La fintech comme modalit\u00e9 de contr\u00f4le social<\/h2>\n<\/div>\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\t<div class=\"bulle\">\n\t*Bruce Schneier, 2012.<\/div>Gr\u00e2ce au croisement des donn\u00e9es personnelles et des donn\u00e9es financi\u00e8res, les g\u00e9ants chinois du num\u00e9rique sont d\u00e9sormais des \u00ab\u00a0faiseurs de march\u00e9\u00a0\u00bb. Profitant d&rsquo;effets de r\u00e9seau massifs, ils exercent leur souverainet\u00e9 fonctionnelle sur des champs toujours plus larges de la soci\u00e9t\u00e9 de consommation. Baidu, Tencent ou Alibaba investissent tous les secteurs, depuis la finance jusqu&rsquo;\u00e0 la sant\u00e9, en passant par les solutions de mobilit\u00e9 urbaine. Cette domination fonctionnelle constitue une forme de \u00ab\u00a0f\u00e9odalisme\u00a0\u00bb*.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\tCe f\u00e9odalisme num\u00e9rique n&rsquo;est pas antinomique du mod\u00e8le dirigiste de l&rsquo;appareil \u00e9tatique chinois. La r\u00e9gulation et l&rsquo;optimisation des \u00e9changes de march\u00e9 (catallaxie) est progressivement laiss\u00e9e aux acteurs du num\u00e9rique. En retour, l&rsquo;oc\u00e9an de donn\u00e9es ainsi g\u00e9n\u00e9r\u00e9 permet \u00e0 la sph\u00e8re publique d&rsquo;encadrer les dynamiques sociales et politiques.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" itemprop=\"articleBody\">\n\t\t<div class=\"bulle\">\n\t*Nicholas Loubere, 2016.<\/div>L&rsquo;essor de la fintech fait partie int\u00e9grante du projet gouvernemental de construire l&rsquo;infrastructure financi\u00e8re d&rsquo;une soci\u00e9t\u00e9 de consommation prosp\u00e8re. Mais c\u2019est \u00e9galement un \u00e9l\u00e9ment-cl\u00e9 d&rsquo;un projet plus vaste de surveillance des citoyens gr\u00e2ce au Big Data*. La finance est un \u00ab\u00a0fait social total\u00a0\u00bb qui est tout sauf neutre. Les comportements d&rsquo;achats v\u00e9hiculent des logiques culturelles et politiques fortes. Le profilage des flux mon\u00e9taires permet donc une surveillance sociale renforc\u00e9e. L&rsquo;\u00c9tat chinois envisage ainsi de d\u00e9velopper un syst\u00e8me de \u00ab\u00a0cr\u00e9dits sociaux\u00a0\u00bb \u00e9valuant la fiabilit\u00e9 des individus. Pr\u00e9vu pour 2020, cet algorithme de notation citoyenne s&rsquo;appuie sur l&rsquo;analyse des comportements num\u00e9riques. L&rsquo;acc\u00e8s aux services publics sera conditionn\u00e9 \u00e0 cette note. Le d\u00e9veloppement du syst\u00e8me a \u00e9t\u00e9 confi\u00e9 \u00e0 des entreprises priv\u00e9es, dont le g\u00e9ant Alibaba. Quant au r\u00e9seau social Wechat, il pourrait \u00e0 terme faire office de carte d&rsquo;identit\u00e9 d\u00e9mat\u00e9rialis\u00e9e. L&rsquo;exemple chinois d\u00e9montre donc que pouss\u00e9e \u00e0 l&rsquo;extr\u00eame, la fintech peut potentiellement r\u00e9duire la souverainet\u00e9 individuelle.\t<\/div>\n<\/div>\n\n<div class=\"container\">\n\t<div class=\"text\" style=\"background:#d9463d; padding:20px 20px 30px 20px; text-align:center; border-radius:8px;\">\n\t\t<h3 style=\"color:#fff; font-weight:700;\">Soutenez-nous !<\/h3>\n\t\t<p style=\"color:#fff; font-size:0.8em; line-height:1.5em; margin-bottom:30px;\">Asialyst est con\u00e7u par une \u00e9quipe compos\u00e9e \u00e0 100 % de b\u00e9n\u00e9voles et gr\u00e2ce \u00e0 un r\u00e9seau de contributeurs en Asie ou ailleurs, journalistes, experts, universitaires, consultants ou anciens diplomates... 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Dipl\u00f4m\u00e9 de la Sorbonne et du CNAM en droit, finances et \u00e9conomie, il a plus de dix ans d\u2019exp\u00e9rience professionnelle partag\u00e9e entre la France et la Chine.\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n<div class=\"block3news\">\n\t<div class=\"container\">\n\t\t<div class=\"recommand\">\n\t\t\t<h5>On vous recommande<\/h5>\t\t\t<ul class=\"row\">\n\t\t\t\t<li class=\"col-md-6 col-sm-12 col-xs-12 news\"><a href=\"https:\/\/asialyst.com\/fr\/2018\/04\/23\/chine-france-comment-reguler-crypto-monnaies-bitcoin\/\"><span class=\"photo\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"337\" src=\"https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/04\/bitcoin-yen-yuan-rmb-volumes-e1486729545600-600x337.jpg\" class=\"img-responsive wp-post-image\" alt=\"Alors que la l\u00e9gislation se durcit en Chine, la France tente elle aussi d&#039;encadrer le Bitcoin, au niveau national et europ\u00e9en. (Source : Quartz)\" srcset=\"https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/04\/bitcoin-yen-yuan-rmb-volumes-e1486729545600-600x337.jpg 600w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/04\/bitcoin-yen-yuan-rmb-volumes-e1486729545600-150x84.jpg 150w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/04\/bitcoin-yen-yuan-rmb-volumes-e1486729545600-250x141.jpg 250w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/04\/bitcoin-yen-yuan-rmb-volumes-e1486729545600-768x432.jpg 768w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/04\/bitcoin-yen-yuan-rmb-volumes-e1486729545600-1024x576.jpg 1024w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/04\/bitcoin-yen-yuan-rmb-volumes-e1486729545600-200x112.jpg 200w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/04\/bitcoin-yen-yuan-rmb-volumes-e1486729545600-300x169.jpg 300w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/04\/bitcoin-yen-yuan-rmb-volumes-e1486729545600-900x506.jpg 900w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/04\/bitcoin-yen-yuan-rmb-volumes-e1486729545600-1280x720.jpg 1280w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/04\/bitcoin-yen-yuan-rmb-volumes-e1486729545600-1600x900.jpg 1600w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/04\/bitcoin-yen-yuan-rmb-volumes-e1486729545600-680x382.jpg 680w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/span><span class=\"info\"><span class=\"metadata category category-category-\">Economie, Entreprises<\/span><h4>En Chine ou en France, comment r\u00e9gule-t-on les crypto-monnaies ?<\/h4><\/span><\/a><\/li><li class=\"col-md-6 col-sm-12 col-xs-12 news\"><a href=\"https:\/\/asialyst.com\/fr\/2018\/02\/08\/pourquoi-chine-pas-encore-tue-bitcoin-malgre-interdiciton\/\"><span class=\"photo\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/02\/chine-interiction-bitcoin-600x400.jpg\" class=\"img-responsive wp-post-image\" alt=\"En septembre 2017, la Chine a interdit les \u00e9changes de Bitcoin.\" srcset=\"https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/02\/chine-interiction-bitcoin-600x400.jpg 600w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/02\/chine-interiction-bitcoin-150x100.jpg 150w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/02\/chine-interiction-bitcoin-250x167.jpg 250w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/02\/chine-interiction-bitcoin-768x513.jpg 768w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/02\/chine-interiction-bitcoin-1024x684.jpg 1024w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/02\/chine-interiction-bitcoin-200x134.jpg 200w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/02\/chine-interiction-bitcoin-300x200.jpg 300w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/02\/chine-interiction-bitcoin-900x600.jpg 900w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/02\/chine-interiction-bitcoin-1278x853.jpg 1278w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/02\/chine-interiction-bitcoin-1598x1067.jpg 1598w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/02\/chine-interiction-bitcoin-680x454.jpg 680w, https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/02\/chine-interiction-bitcoin-e1518077813577.jpg 1920w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/span><span class=\"info\"><span class=\"metadata category category-\">Economie<\/span><h4>Pourquoi la Chine n'a pas encore tu\u00e9 le Bitcoin malgr\u00e9 son interdiction<\/h4><\/span><\/a><\/li>\t\t\t<\/ul>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<div class=\"container\">\n\t<div class=\"comments\">\n\t\t\t<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Avec 730 millions d&rsquo;internautes, la Chine s&rsquo;impose comme le centre n\u00e9vralgique de la finance num\u00e9rique, ou \u00ab\u00a0fintech\u00a0\u00bb. Mais son essor est li\u00e9 au contr\u00f4le accru des citoyens.<\/p>\n","protected":false},"author":582,"featured_media":39830,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37,1361],"tags":[244,1462,23,1408,1354,1355,22,1461,404,194,1069,676],"class_list":["post-39825","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-entreprises","tag-alibaba","tag-alipay","tag-asie-du-nord-est","tag-baidu","tag-bitcoin","tag-blockchain","tag-chine","tag-fintech","tag-monnaie","tag-regards","tag-tencent","tag-wechat"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La fintech en Chine : de l&#039;inclusion financi\u00e8re au contr\u00f4le social - Asialyst<\/title>\n<meta name=\"description\" content=\"Avec 730 millions d&#039;internautes, la Chine s&#039;impose comme le centre n\u00e9vralgique de la finance num\u00e9rique, ou &quot;fintech&quot;. Mais son essor est li\u00e9 au contr\u00f4le accru des citoyens.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/asialyst.com\/fr\/2018\/05\/12\/chine-fintech-inclusion-financiere-controle-social\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La fintech en Chine : de l&#039;inclusion financi\u00e8re au contr\u00f4le social\" \/>\n<meta property=\"og:description\" content=\"Avec 730 millions d&#039;internautes, la Chine s&#039;impose comme le centre n\u00e9vralgique de la finance num\u00e9rique, ou &quot;fintech&quot;. Mais son essor est li\u00e9 au contr\u00f4le accru des citoyens.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/asialyst.com\/fr\/2018\/05\/12\/chine-fintech-inclusion-financiere-controle-social\/\" \/>\n<meta property=\"og:site_name\" content=\"Asialyst\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Asialyst.fr\" \/>\n<meta property=\"article:published_time\" content=\"2018-05-12T16:49:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-06-13T09:32:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/05\/jack-ma-chine-alibaba-ant-financial-fintech.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1732\" \/>\n\t<meta property=\"og:image:height\" content=\"1155\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bertrand Hartemann\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"La fintech en Chine : de l&#039;inclusion financi\u00e8re au contr\u00f4le social\" \/>\n<meta name=\"twitter:description\" content=\"Avec 730 millions d&#039;internautes, la Chine s&#039;impose comme le centre n\u00e9vralgique de la finance num\u00e9rique, ou &quot;fintech&quot;. Mais son essor est li\u00e9 au contr\u00f4le accru des citoyens.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/asialyst.com\/fr\/wp-content\/uploads\/2018\/05\/jack-ma-chine-alibaba-ant-financial-fintech.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bertrand Hartemann\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/asialyst.com\\\/fr\\\/2018\\\/05\\\/12\\\/chine-fintech-inclusion-financiere-controle-social\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/asialyst.com\\\/fr\\\/2018\\\/05\\\/12\\\/chine-fintech-inclusion-financiere-controle-social\\\/\"},\"author\":{\"name\":\"Bertrand Hartemann\",\"@id\":\"https:\\\/\\\/asialyst.com\\\/fr\\\/#\\\/schema\\\/person\\\/95879cd9cf7be4ba4e194e512966b93d\"},\"headline\":\"La fintech en Chine : de l&rsquo;inclusion financi\u00e8re au contr\u00f4le social\",\"datePublished\":\"2018-05-12T16:49:42+00:00\",\"dateModified\":\"2019-06-13T09:32:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/asialyst.com\\\/fr\\\/2018\\\/05\\\/12\\\/chine-fintech-inclusion-financiere-controle-social\\\/\"},\"wordCount\":1362,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/asialyst.com\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/asialyst.com\\\/fr\\\/2018\\\/05\\\/12\\\/chine-fintech-inclusion-financiere-controle-social\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/asialyst.com\\\/fr\\\/wp-content\\\/uploads\\\/2018\\\/05\\\/jack-ma-chine-alibaba-ant-financial-fintech.jpg\",\"keywords\":[\"Alibaba\",\"Alipay\",\"Asie du Nord-Est\",\"Baidu\",\"bitcoin\",\"blockchain\",\"Chine\",\"fintech\",\"monnaie\",\"Regards\",\"Tencent\",\"WeChat\"],\"articleSection\":[\"Economie\",\"Entreprises\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/asialyst.com\\\/fr\\\/2018\\\/05\\\/12\\\/chine-fintech-inclusion-financiere-controle-social\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/asialyst.com\\\/fr\\\/2018\\\/05\\\/12\\\/chine-fintech-inclusion-financiere-controle-social\\\/\",\"url\":\"https:\\\/\\\/asialyst.com\\\/fr\\\/2018\\\/05\\\/12\\\/chine-fintech-inclusion-financiere-controle-social\\\/\",\"name\":\"La fintech en Chine : de l'inclusion financi\u00e8re au contr\u00f4le social - Asialyst\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/asialyst.com\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/asialyst.com\\\/fr\\\/2018\\\/05\\\/12\\\/chine-fintech-inclusion-financiere-controle-social\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/asialyst.com\\\/fr\\\/2018\\\/05\\\/12\\\/chine-fintech-inclusion-financiere-controle-social\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/asialyst.com\\\/fr\\\/wp-content\\\/uploads\\\/2018\\\/05\\\/jack-ma-chine-alibaba-ant-financial-fintech.jpg\",\"datePublished\":\"2018-05-12T16:49:42+00:00\",\"dateModified\":\"2019-06-13T09:32:52+00:00\",\"description\":\"Avec 730 millions d'internautes, la Chine s'impose comme le centre n\u00e9vralgique de la finance num\u00e9rique, ou \\\"fintech\\\". 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