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The Banking Industry’s Uber Moment: A More Efficient Oligopoly?

February 15, 2016 By Bennett Voyles

From the crash of 1929 to around 1981, banking was generally considered a fairly dreary business. And between now and 2025, banking seems likely to undergo a digitally driven transformation that will change how we save, spend, borrow and invest. Even as regulators do their best to try to make banking a boring business again, and politicians still vow to rein in the “banksters”, a number of well-financed start-ups look poised to reinvent almost every aspect of finance—and could even make banking sexy once more. First we look at how regulators’ push and FinTech’s pull may be setting the stage for some dramatic changes.

Filed Under: All Articles, Banking, Finance, Innovation Tagged With: Banking Industry in 2025 Series, Banking Reform, Banks, finance, Fintech

Alibaba, Baidu and Tencent and Their New Online Banks

December 2, 2015 By Deng Yuanyuan

To boost the economy and help small and medium enterprises get capital more easily, the Chinese government is encouraging non-government entities to invest in financial institutions, even allowing private companies to open their own banks. When the government announced its decision to grant five banking licenses for private banks earlier this year, the big three tech companies—Tencent, Alibaba and Baidu—jumped at the opportunity. Given the technological expertise of their backers, these online banks are able to leverage things like big data and cloud computing to assess credit worthiness and tailor the user experience. But can they outmaneuver traditional banks?

Filed Under: All Articles, Banking, Finance, Infographics Tagged With: Alibaba, Baidu, Banks, Mobile Banking, Tencent

China Roundup: The Chinese Economy Posts Weak Numbers

March 13, 2015 By Major Tian

This week, various economic indicators released on the Chinese economy showed slower growth and Alibaba invested in Snapchat

Filed Under: All Articles, China Round-up, Chinese Economy, Finance, Know China Tagged With: Alibaba, Banks, Chinese Economy, Dianping.com, Investment, PBOC, Slider, Snapchat, WeChat

The Hidden Risks in Wealth Management in China

August 19, 2014 By Don Weinland

The government is putting wealth management in China under the microscope, and is slowly catching up with the inherent risk of wealth management products. Can banks continue to invent new skirting methods? Bank deposits are boring, says Jane, a new recruit at a local bank in Shanghai. In a country where the government holds deposit […]

Filed Under: All Articles, Chinese Economy, Economics, Finance, Know China, Policy and Law Tagged With: Banking System, Banks, Government Control, Policy, Shadow Banking, Slider, Wealth Management

China Roundup: Metal-financing Scandal Deepens; FTZ Interest Rate Uncapped; And Fosun’s stake in US Film Studio

June 27, 2014 By Major Tian

The week that was: metal-financing fraud puts small traders in risks; forex interest rate liberation expands in Shanghai; Xunlei files for IPO; and Fosun buys into US film studio. China’s metal-financing scandal: ramifications Missing stockpiles of metals used as collateral to secure bank loans at China’s third largest port has caused domestic and international lenders to […]

Filed Under: All Articles, Best Practice, China Round-up, Connections, Economics, Economy, Finance, Intellectual Property, Know China, Movie Industry, Policy and Law, Stock Exchange Tagged With: Banks, Film Production, Fosun, Government Control, Internet Companies, Investing, IPOs, PBOC, Slider, Technology

China Roundup: Panasonic’s Pollution Compensation and Alibaba IPO Heads for US Shores

March 14, 2014 By Major Tian

The week that was: Panasonic offers China-based Japanese workers hardship allowance; Alibaba IPO to reportedly happen in New York and not Hong Kong; tech giants plan to issue virtual credit cards; and premier Li Keqiang acknowledges the 7.5% GDP growth target is flexible. Panasonic’s air pollution compensation There seems to be a silver lining in China’s pollution […]

Filed Under: All Articles, China Round-up, Chinese Economy, Connections, Digital Economy, eCommerce, Emerging Economies, Environment, Know China, Technology Tagged With: Air Quality, Alibaba, Alipay, Banks, Beijing Air, CPPCC, Environmental Pollution, Hong Kong, IPOs, NPC, PBOC, Slider, Stockmarket, Tencent

The Money Squeeze: China’s tightening Credit Market

May 2, 2013 By Suzanne Edwards

The first signs of light emerge amidst the dark prospects for private enterprises in China’s ever-tightening credit market It’s been a miserable few months for financing in China’s private sector. A growing number of debt defaults by companies has spurred regulatory crackdowns on the unofficial lending sector, sometimes called ‘shadow banking’, which has sustained (not […]

Filed Under: All Articles, Chinese Economy, Connections, Economy, Finance, Private Equity Tagged With: Agricultural Bank of China, ANZ, Bank of China, Banks, China Construction Bank, China Everbright Bank, China Merchants Bank, China Minsheng Banking Corp, Citibank, credit, HSBC, Slider, SMEs, Standard Chartered

Joint Liability of Platform Loans

January 30, 2013 By Chen Long

Despite the fact that local governments avoid paying debts, banks do not have sufficiently powerful means to regulate debtors. It remains doubtful whether or not the central government will be able to repay the debts. Therefore, it is inappropriate to presume the safety of platform loans with the argument that “the government will assume joint […]

Filed Under: All Articles, China, Chinese Economy, Finance Tagged With: Banks, Debt, Local Government, Platform Loans, Slider

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Information, analysis, and interviews about the Chinese economy and doing business in China, from the people who know it best. Presented by the Cheung Kong Graduate School of Business, China's leading business school.


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