In Inno nova vativ tive e Fi Fina nance nce for or SM SMEs - - PowerPoint PPT Presentation

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Oct 25, 2022 160 likes •239 views

In Inno nova vativ tive e Fi Fina nance nce for or SM SMEs Es in C n Chi hina na Xiaochen Zhang Founding Partner, New Development Ventures; Board of Director, American Crowdfunding Professional Association September 21-22, 2016;

SLIDE 1

In Inno nova vativ tive e Fi Fina nance nce for

r SM

SMEs Es in C n Chi hina na

September 21-22, 2016; Kuala Lumpur, Malaysia

Xiaochen Zhang Founding Partner, New Development Ventures; Board of Director, American Crowdfunding Professional Association

SLIDE 2

2. Capital Gap 3. Technology Gap 4. Globalization Gap 1. Capacity Gap

Challenges

Vision, leadership,

business models,

perational issues,

marketing, clients

Limited access to new

market, no expertise in aquire clients from a foreign market, disconnected from global value chain

Limited access to traditional

financial instruments and high costs capital, insufficient capital at different stages

Limited understanding of

technology trend, limited budget for R&D

Challenges for SMEs to Scale

SLIDE 3

Global Start-up University Leadership Innovative Finance New Technologies Master Class Global Tech Impact Innovation Center Insurance Blockchain Lab Vertical Crowdfunding Lab New Energy Sharing Economy Lab VR/AR Infrastructure Lab Market Access Fund Impact Investing Market Access Advisory HR Services Financial Advisory

NDV: Fill the Gaps for a Better SMEs Ecosystem

SLIDE 4

Why doe

s Fi FinT ech ech mat atter er for

r SM

SMEs? s?

FinTech enables SMEs with new solutions

New chanels
New instruments
New resoruces
New users

In china: Internet use: 649 million internet users, including 557 mobile internet users (by end of 2014). Internet finance. e.g. Yu’E Bao Fund (Alibaba). 225 million users end August 2015 (up from 78.5 million end 2014). + the social web: Wechat 440

million. monthly active

users Jan 2015. P2P lending

Funders receive a debt instrument that pays a fixed rate of interest and returns principal on a specified schedule

Mobile Payment New Credit Reference

Crowdfunding

P2P Insurance

Peer-to-peer insurance is a reciprocity insurance contract based on a sharing economy concept

New Wealth Management

Funders receive equity instruments

r profit sharing

arrangements Payment services

perated

under financial regulation and performed from or via a mobile device Credit history is generated through big data technology of

nline data

Match

pportunities with

investors through

nline platforms

SLIDE 5

Ca Case se St Study:A dy:Ant nt Fi Financi nancial al Gr Grou

p for

r SM

SMEs s

Mobile Payment Wealth Management Wealth Management P2P Lending Micro finance Credit Reference Internet Bank Big data Crowdfunding Consumer lending

SLIDE 6

Ch Challenge allenges s an and d Reg egul ulations ations

P2P regulations (August ,2016)

Negative list: NOT take public deposits, create asset pools, provide any forms of guarantee for lenders, sell wealth

management products, issue asset-backed securities and

Must use third-party banks as custodians for investors’ funds.
An individual can borrow as much as 1 million yuan ($150,000) from P2P sites, including a maximum of 200,000 yuan from any
ne site
An legal entity can borrow as much as 5 million yuan ($750,000) from P2P sites, including a maximum of 1 million yuan from

any one site

P2P lending platforms

4667

Problematic Platforms

2644 (56.7%)

Monthly transaction

US$28billion (Rmb: 178billion Outstanding loan: >USD$100billion

Top 100 transaction

68%

SLIDE 7

The End or a New Begining?

Thank you

Email: zxc@newdevelopmentventures.com Wechat.DCBLUEDELIGHT