宝马娱乐手机网址

2016/7/5 0:00:00
【英國金融時報】中國農業巨頭宝马娱乐手机网址 發力互聯網銀行


中國首家非公有制銀行的聯合籌辦發起人劉永好,開始將注意力轉向投資新的互聯網金融業務——民營銀行,他表示,單單依靠傳統銀行業很難支持當前的中小微創業企業發展。
“宝马娱乐手机网址傳統的銀行和金融機構主要服務于央企和政府,”白手起家的農業綜合企業大亨、民生銀行(Minsheng Bank)創始人之一劉永好向英國《金融時報》表示,“從他們成立之日起,就不是以為民營企業提供融資為主要目標的。”
劉永好還表示:“中國既有的銀行業很難滿足當下的經濟發展需求”,他指出,民營企業如今占到了中國經濟產出的60%。
一般來說,中國的銀行更喜歡貸款給大型國企,但一些經濟學家稱,近年來這一問題變得更加嚴重。過去五年,銀行業的不良貸款率不斷增加,使得銀行更不愿意向民營企業提供家貸款服務。
劉永好表示,這一問題在農村偏遠地區更為嚴重。1982年劉永好在四川從農業領域開始創業,獲得第一桶金,宝马娱乐手机网址集團始創于當時。據介紹,中國農民至今不擁有土地所有權,而只是從國家承包土地,因此無法利用土地作為抵押獲得銀行貸款。
“船大難掉頭,”劉永好說,“(中國國有)銀行想改變,但它們體量太大,無法這樣做。”
凈資產為41億美元的劉永好,在2016年《福布斯》中國億萬富豪榜上排名第28位。
民營企業融資難、融資貴,這一現象已經被中國政府列為一項重要的政策挑戰。去年,中國政府開始在這一領域進行民營銀行試點計劃,迄今為止,包括第一批試點銀行在內,已經批準成立了七家民營銀行。
劉永好的新發起的互聯網金融投資——四川希望銀行(Sichuan Hope Bank)今年6月通過了監管機構的籌建審批。該銀行是一家合資公司,其他主要股東還包括智能手機制造商小米科技(Xiaomi)以及四川地區領先的連鎖超市成都紅旗連鎖(Chengdu Hongqi)。
對于希望銀行的經營模式,劉永好及其合作股東主張以互聯網為主,從而避免產生傳統的線下實體營業網點會帶來的高成本。希望銀行將采用大數據方式進行風控評估,以加快貸款審批,并為中小微初創企業創造公平的競爭環境。
四川希望銀行并非首家采用互聯網銀行平臺模式,并利用“大數據”評估客戶風險的民營銀行。例如,騰訊創建的微眾銀行會通過微信平臺查閱貸款申請人的評論和發帖以對客戶資質做出評估。
早在八年前,宝马娱乐手机网址集團就開始向農村初創企業提供小額貸款支持,在銷售豬飼料及設備之外,旗下的普惠金融公司也會為有意建立小型養豬廠的農民提供融資服務。
雖然,一些需要向宝马娱乐手机网址申請融資服務的農民并沒有經商的經驗,但劉永好認為更重要的是從中發現這些未來能夠成功的人。“他們可以從在城市打工的經歷了解市場,”他說。
但劉永好表示,他對給他們貸款是有信心的,尤其是回鄉創業的農民工。但劉永好表示,他對給他們貸款是有信心的,尤其是回鄉創業的農民工。但劉永好表示,他對給他們貸款是有信心的,尤其是回鄉創業的農民工。 

以下為報道英文原文:

China agribusiness tycoon ventures into mobile banking

 The co-founder of China’s first privately owned bank is turning his attention to a new internet finance venture, saying that the traditional banking sector cannot be relied upon to support entrepreneurial businesses.
“Our banks and financial institutions serve the state-owned sector and the government,” Liu Yonghao, a self-made agribusiness tycoon and co-founder of Minsheng Bank, told the Financial Times. “From the time they were founded, they lacked the objective of providing funding for private enterprises.”
Mr Liu added: “The banking sector isn’t fit for the age we live in”, noting that privately owned businesses now account for 60 per cent of China’s economic output.
Chinese banks have traditionally preferred to lend to large state-owned businesses, but some economists say the problem has become worse in recent years. Non-performing loans have increased over the past five years, making bankers more hesitant to lend to private sector entrepreneurs.
The problem is even more acute in rural areas, according to Mr Liu, who made his initial fortune in the agricultural sector. Mr Liu’s New Hope Group was established in Sichuan province in 1982.
Farmers are not allowed to own land but instead lease it from the state, so cannot use it as collateral to secure bank loans.
“A big ship is difficult to turn round,” said Mr Liu, “[China’s state] banks want to change but are too big to do so.”
Mr Liu has a net worth of $4.1bn and is ranked number 28 in China on the Forbes Billionaires List from 2016.
The Chinese government has identified the private sector’s funding challenges as a vital policy challenge. Last year it started a pilot programme that has approved the establishment of seven privately owned banks.
Mr Liu’s new internet finance venture, Sichuan Hope Bank, received its final regulatory approvals in June. It is a joint venture with Xiaomi, the smartphone manufacturer, and a Sichuan-based supermarket chain, Chengdu Hongqi.
Mr Liu and his partners embraced an online business model to avoid the costs associated with bricks-and-mortar branches. Credit risk will be assessed through automated systems in an effort to hasten lending approvals and level the playing field for small start-ups.
Sichuan Hope Bank is not the first to embrace mobile banking platforms and use “big data” to assess client risks. Tencent’s WeBank, for example, reviews loan applicants’ comments and posts on its popular WeChat messaging service.
New Hope Group has a record of lending to rural start-ups: eight years ago, it branched out from selling pig feed and equipment to providing trade financing for farmers who wanted to set up small pig-farming factories.
Although the farmers would come to New Hope without business experience, Mr Liu felt he could identify the successful type. “They could understand markets from doing labour in the cities,” he said.
But Mr Liu said he felt confident lending to them, especially former migrant workers who had returned home.
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