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澳大利亚:后起之秀变身金融科技产业输出国

一直以来,澳大利亚都被认为是全球最主要的铁矿与煤炭输出国。2015和2016年,该国铁矿和煤炭出口额达823亿美元,占总出口额的26.4%。虽然这两种资源成功带动了澳大利亚的经济发展,但是资源开采总归有限,一旦枯竭,不免会盛况难再。

面对这样的潜在风险,澳大利亚开始逐渐转变思路——不仅要向世界出口矿物,更要输出先进的想法理念。

相比于中美两国,澳大利亚的金融科技产业虽然起步较晚,但是发展速度却非常快。在此次经济转型中,澳大利亚也试图通过金融科技这个新兴产业,挽救本国的出口依赖型经济模式。

比如,WaddleCredi这两家澳大利亚金融科技企业就在近日宣布开始向海外扩张。

按照计划,B2B借贷平台Waddle将于近期跨越海峡进军新西兰,而此前Waddle曾针对其服务实地考察了新西兰市场。

创新型亲友借贷平台Credi在涉水英国与美国后同样力图打入新西兰市场。Credi并不直接进行借贷,而是将亲友间的贷款进行正式化处理,赋权"父母银行",随后在贷款偿还前管理。自今年4月上线以来,Credi帮助管理的非正式贷款价值3500万美元。

为便于理解市场态势,Credi与皇家墨尔本理工大学合作准备就该领域发布调查报告。对亲友间借贷这种无形现象调查结果揭示了一些有趣的现象:

最为显著的现象是,我们经常认为亲友借贷在无银行账户人士比例高的市场,也就是发展中国家较受欢迎,而在发达国家进行非正式代际间财富转移呈上升趋势。

例如在美国,亲友间借贷目前是中低收入家庭第二大常见信用方式。而在澳大利亚,宣传助力父母帮助孩子成为有房族相关产品的银行越来越多。报告指出,澳大利亚统计局(Australian Bureau of Statistics)并未统计家庭辅助首次购房数量,但普遍认为其是中产阶层资助子女的一种方式,在全国进行市场营销的各银行瞄准了这一市场。实际上,据估计父母银行目前是澳大利亚第五大抵押贷款者,价值653澳元,父母共计借给其子女的金额比ING澳大利亚与Suncorp还要多。

在很多层面上Credi代表了P2P借贷的下一阶段,触及到了更为深入的市场商机,只有金融科技力所能及。谁又能说自己从未借给兄弟姐妹、父母、朋友资金,或者从未向他们借过钱呢?亲友相处中总有些磕绊,能以相对不那么棘手的方式收回资金当然具备吸引力。

When Australia starts exporting more than just iron ore and coal to the world, it's hard not to get excited. While these two exports alone carry the Aussie economy a long way - in 2015/2016 they made up 26.4 per cent of all exports at $82.3B - they certainly have a finite life. Once it's all dug up, the party's over.

With this inevitability looming on the horizon, it's evident Australia needs to start harnessing its brains a little more, instead exporting its ideas to the world, rather than just its dirt.

So imagine how exciting it was to hear that two Australian fintech companies in the lending space are now planning their global expansion. Maybe the long awaited transition to the knowledge economy, the politician's favourite buzzword, is on the horizon?

B2B invoice lending platform Waddle recently announced it will head over the ditch to New Zealand, after fielding demand for its services, and innovative family and friends lending platform Credi will also look to establish a presence in New Zealand, followed by the UK and the US.

Credi doesn't lend directly, rather the platform helps power the 'Bank of Mum and Dad', by formalizing loan terms between friends and family, then managing the documentation around the facility until it's repaid. Since its launch in April of this year it has helped manage $35M worth of informal loans.

To help understand the market dynamics better, Credi worked with RMIT University to prepare a research report into the sector. The result - Lending to family and friends - an invisible phenomena, uncovered some interesting findings.

The first, and most obvious, is that while we most often associate this type of credit as being preferable in markets where there is a high proportion of non-banked individuals i.e. the developing world, there is a growing trend towards more informal forms of inter-generational wealth transfer in developed countries.

In the US for example, loans from family and friends now compose the second most common form of credit used by households with low to moderate incomes.

And here in Australia, the number of banks advertising products that help parents get their children on the property ladder is on the increase. While the report notes the Australian Bureau of Statistics does not collect data on family assisted first-home purchases, this is now widely recognized as a form of financing for the children of the middle class, with banks running nationwide marketing campaigns targeting this market. In fact, it is estimated the actual bank of mum and dad is now Australia's fifth largest mortgage lender. That means at AU$65.3B, parents have collectively lent more to their children than banks like ING in Australia and Suncorp.

In many ways Credi represents the next phase of peer-to-peer lending, tapping into a deeper niche in a way only a fintech can. And who can say they haven't lent money to a sibling, parent or friend, or been on the receiving end at some point in their lives? And with all the emotional hang-ups that come with family in general, making getting your money back less problematic certainly has an appeal to it.


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