Baidu and Sina Step up Investment in 中国’消费者金融部门

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科技巨头百度和新浪最近都采取了措施以加强其在中国的业务’消费者金融部门。

On 24 June the 中国 银行业 and Insurance Regulatory Commission (CBIRC) approved an increase in the registered capital of consumer finance platform Baoyin Xiaofei Jinrong (包银消费金融) from 300 million yuan to 500 million yuan, conferring Sina-backed Weimeng Chuangke (微梦创科) with a sizeable equity chunk.

批准的交易将使魏梦创科出资2亿元人民币,获得宝银小飞40%的股份,而主要股东包商银行(Baoshang Bank)的持股比例将从73.6%降至44.16%。

威猛创科成立于2010年10月11日,注册资本为1.8亿美元,是微博网络(香港)有限公司的全资子公司,新浪网首席执行官兼总裁赵朝阳是魏梦’s chair.

新浪是微博网罗’的最大股东持有45.2%的股份,而阿里巴巴则是第二大股东,拥有30.2%的股份。

此举是在中国银保监会作出决定后到达的’黑龙江省地方办事处批准百度支持的杜小曼金融’于今年5月对区域消费者金融平台Hayin Xiaofei Jinrong(Hanin Xiaofei Jinrong)的投资。

中国保监会5月16日’黑龙江办事处宣布批准增加海印小飞’公司注册资本由10.5亿元人民币增加至15亿元人民币,使杜小曼金融公司成为公司’是第二大股东,投资了4.5亿美元,拥有30%的股权。

中国’在过去的十年中,消费金融领域得到了快速发展。根据“2018 中国 Consumer Loan Market Research Report (2018中国消费信贷市场研究) the domestic consumer finance market has already expanded from 679.8 billion yuan in January 2010 to 8.4537 trillion yuan as of October 2018.

The report pointed to ample room for expansion, with consumer finance sector loans excluding home loans accounting for just 20% of total consumption expenditures in 中国, as compared to 28% in the United States and 41% in South Korea.

There are currently 24 licensed consumer finance entities in 中国, with the vast majority backed by shareholders hailing from the banking sector.

Members of industry say that 中国’互联网巨头非常渴望进入这一领域,并且凭借其固有的金融技术和网络优势,有望对市场产生深远的影响。

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