\nBanca online fondat\u0103 de Jack Ma, fondatorul Alibaba, conduce pas cu pas o revolu\u0163ie \u00een creditarea businessurilor mici din China, \u015fi \u0163inte\u015fte s\u0103 rezolve o problem\u0103 care a \u0163inut cea mai mare economie din Asia pe loc \u00een ultimele decenii, potrivit Bloomberg.<\/p>\n
\nCu ajutorul datelor ce reflect\u0103 pl\u0103\u0163ile \u015fi a unui sistem de risk-management care analizeaaz\u0103 peste 3.000 de variabile, MYbank \u2013 proiectul \u00eenceput de Jack Ma acum patru ani \u2013 a acordat p\u00e2n\u0103 acum credite de 290 miliarde dolari pentru 16 milioane de companii mici.<\/p>\n
\nCei are vor s\u0103 \u00eemprumute sunt doar la c\u00e2teva atingeri de ecran distan\u0163\u0103 de a primi banii aproape instant dac\u0103 sunt aproba\u0163i. Tot procesul dureaz\u0103 trei minute \u015fi nu implic\u0103 niciun banker. Rata de nerambursare este de doar 1% p\u00e2n\u0103 acum.<\/p>\n
\nBoomul financiar-tehnologic care a transformat China \u00een cel mai mare procesator de pl\u0103\u0163i electronice din lume schimb\u0103 \u00een prezent modul \u00een care b\u0103ncile interac\u0163ioneaz\u0103 cu companiile care conduc cre\u015fterea economic\u0103.<\/p>\n
\nB\u0103ncile din China urmeaz\u0103 modelul MYbank \u015fi devin mai deschise \u00een fa\u0163a businessurilor mici, pe care le refuzau p\u00e2n\u0103 acum c\u00e2nd era vorba de creditare, \u00een favoarea businessurilor mari de\u0163inute de stat.<\/p>\n
\nPentru economia de 13.000 miliarde dolari a Chinei care a \u00eenregistrat \u00een trimestrul trecut cea mai slab\u0103 cre\u015ftere economic\u0103 din 1992 \u015fi p\u00e2n\u0103 \u00een prezent, implica\u0163iile unei astfel de schimb\u0103ri ar putea fi profunde.<\/p>\n
\nFirmele care nu sunt de stat \u2013 majoritatea businessuri mici \u2013 reprezint\u0103 circa 60% din cre\u015fterea economic\u0103, \u015fi angajeaz\u0103 80% din for\u0163a de munc\u0103 a \u0163\u0103rii. \u00cen ciuda importan\u0163ei lor, acestea au fost puse la col\u0163 de o ac\u0163iune ampl\u0103 a guvernului de la Beijing prin care a \u00eencercat \u00een ultimii doi ani s\u0103 scoat\u0103 din pia\u0163\u0103 creditorii \u201egri\u201d.<\/p>\n
\n\u201e\u00centreprinderile mici \u015fi mijlocii sunt de fapt motorul economiei. P\u00e2n\u0103 acum era un segment la care b\u0103ncile se uitau \u015fi considerau c\u0103 era prea dificil \u015fi prea riscant pentur creditare. Dar acum ele \u00ee\u015fi folosesc modelele pentru a-\u015fi da seama c\u00e2t de mare este de fapt riscul \u015fi dac\u0103 se simt confortabile\u201d, spune Keith Pogson, senior partner, b\u0103nci \u015fi pie\u0163e de capital \u00een cadrul Ernst & Young Hong Kong.<\/p>\n
\n <\/p>\n
\n <\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Banca online fondat\u0103 de Jack Ma, fondatorul Alibaba, conduce pas cu pas o revolu\u0163ie \u00een creditarea businessurilor mici din China, \u015fi \u0163inte\u015fte s\u0103 rezolve o problem\u0103 care a \u0163inut cea mai mare economie din Asia pe loc \u00een ultimele decenii, potrivit Bloomberg.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510,530,571],"tags":[10638,235,6545,201,314,485,20197,30016,474,161,539],"class_list":["post-174198","post","type-post","status-publish","format-standard","hentry","category-actualitate","category-analize","category-business-hi-tech","tag-acordare","tag-business","tag-china","tag-companii","tag-construire","tag-credite","tag-fondator","tag-gigant","tag-industrie","tag-miliarde","tag-online"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/174198","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=174198"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/174198\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=174198"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=174198"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=174198"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}