A ranar 18 ga Maris, HSBC ta rattaba hannu kan wata yarjejeniya don tallafawa kamfanonin fintech a cikin shirye-shiryen incubation na Cibiyar Kimiyya da Fasaha ta Hong Kong.
A wajen rattaba hannun, jami’an bankin da na HKSTP sun ce an fara tattaunawa shekara guda da ta wuce.
Me kuma ya faru a cikin Maris na 2023?
A lokacin ne, a hayin Tekun Pacific, Bankin Silicon Valley ya rushe. A cikin faɗuwar rana, jujjuya duniya zuwa London, HSBC ta tattara babban fayil ɗin SVB na Turai na farawa akan £1 kawai.
Bayan-SVB
SVB ya fara aiwatar da tsarin bashi, kasuwancin da aka tsara wanda ya haɗu da haɗarin farawa tare da abin da ya kamata ya zama mafi mahimmancin ɓangaren banki, ba da rance.
Haɓaka da ke gudana a cikin dukiyar Silicon Valley, wanda a yanzu sabbin kamfanonin leƙen asiri ke jagoranta, ya ja hankalin bankuna da yawa. Har ila yau, bankuna suna sane da hadarin da ke tattare da barin su a baya yayin da tattalin arzikin duniya ya zama mafi dijital.
A California, ana fafatawa don bankado tsararru na gaba na kamfanoni masu canzawa a duniya, tare da bankuna da yawa tare da SVB da aka sake ginawa suna fafatawa don kasuwanci. HSBC tana ƙoƙarin yin amfani da iskar ta Turai ta zama SVB ga duniya.
Amma HSBC ba bankin Silicon Valley bane. Ƙwarewar SVB a cikin bashin kasuwanci ya dogara da wasu halaye na musamman. Ya kasance da shakku kan bayar da asusun banki ga masu farawa - musamman farawar kasashen waje waɗanda ke buƙatar kafa a Amurka - da hanyar sadarwa don taimakawa kamfanoni masu fita da IPOs. Ya gudanar da haɗari ta hanyar zama babba don kasuwancin babban kamfani don ƙyale ɗaya daga cikin kamfanonin fayil ɗin sa ya ɓace.
Fintech mayar da hankali
HSBC giant ce ta duniya amma kuma cibiyar gargajiya ce mai lasisi - TradFi. Ƙarfinsa shine fahimtar rikitattun abubuwan da aka tsara na kuɗi.
A dabi'ance yana son yin wasa gwargwadon ƙarfinsa, kuma wannan hanyar ba makawa ta kai ta fintech. Yayin da kasuwancin Burtaniya na iya ci gaba da sarrafa faffadan fasahar fasahar da ta samu daga SVB, bankin yana daukar matakin da ya dace kan fintech, kuma yana yin hakan a Hong Kong.
Yarjejeniyar tare da STP, incubator tare da farawa kusan 1,200, wanda kusan 100 ke cikin fintech, an tsara su don taimakawa waɗancan 'yan kasuwa su fahimci yadda ake aiki tare da manyan bankuna - don zama "babban banki a shirye", kamar yadda Bojan Obradović, babban jami'in dijital na HSBC hafsa, saka shi.
Yarjejeniyar na nufin sanya Hong Kong a tsakiyar dabarun duniya, don taimakawa fintechs na gida fadada a ketare da kuma taimakawa fintechs na duniya shiga cikin birni (kuma ta hanyar fadada, watakila kasar Sin).
Luanne Lim, Shugabar Bankin Hong Kong ta ce "Muna so mu zama abokin aikin banki da aka fi so don fintechs da fintech yanayi."
Albert Wong, Shugaba na HKSTP, ya lura cewa haɗin gwiwar zai yi niyyar taimakawa fintechs na Hong Kong shiga kasuwanni kamar Saudi Arabia da Hadaddiyar Daular Larabawa, ta hanyar "hanyoyi na kasa da kasa da suka dace da sabbin abubuwan farawa tare da kwarewar banki na HSBC".
Fintech abokantaka
Yarjejeniyar dai ta shafe shekaru uku tana aiki, kuma ana son ta zarce yarjejeniyar fahimtar juna da aka saba yi tsakanin bankuna da kungiyoyi masu samun goyon bayan gwamnati kamar HKSTP. (HSBC ta haɗu da HKSTP akan shirye-shirye daban-daban a baya.)
Ana nufin ya dace da duk layukan kasuwancin HSBC, daga kamfanoni da banki na dillalai zuwa dukiya, inshora, biyan kuɗi, kasuwanci, da kasuwannin babban birnin kasar.
Bankin ya ce zai samar da hanyoyin samar da hanyoyin hada-hadar kudi don kula da fintechs, kuma zai hada da damar saka hannun jari, duka a cikin daidaiton kasuwanci da basussuka. Akwai VC na kamfanoni da yawa a cikin wannan, tare da HSBC mai sha'awar zama mai saka hannun jari a cikin farawa kuma zama abokin ciniki na masu farawa.
Amma don kiyaye al'amura cikin sauƙi, bankin yana fatan guje wa rikice-rikice na cikin gida na farashi da kudade ta hanyar yin waɗannan alaƙa da farko game da tallafawa fintechs, buɗe asusu, shigar da su kan tudun siyan banki, da kuma taimaka wa 'yan kasuwa su shiga cikin tsari, haraji, da sauran hadaddun. na sababbin kasuwanni.
"Mun yi haɗin gwiwa a baya," in ji Eric Or, shugaban haɗin gwiwar a HKSTP. "Amma bin ka'ida da tsarin banki yana da wahala ga fintechs."
Yarjejeniyar da HSBC ita ce mayar da hankali kan jagoranci masu farawa don su fahimci abin da ake nufi da yin aiki tare da masu lasisi, cibiyoyi na duniya, gami da tuntuɓar ƙungiyar masu bin bankin da fasaha.
Kar a manta da bayanan
A karshe, bankin da HKSTP sun ce za su samar da tsarin samar da bayanai na masana’antu, tare da hada masu farawa da bankin da abokan huldar sa ta APIs.
An ambaci wannan yanki ne kawai a cikin wucewa - mayar da hankali ga yarjejeniyar ya kasance kan jagoranci da bude kasuwa - amma zai iya tabbatar da mafi mahimmanci, idan ya zo ga nasara.
Bankunan Hong Kong, ciki har da HSBC, sun yi jinkirin yin amfani da tsarin banki na buda-baki. Gwamnati ta yi yunƙurin gina nata dandamali don SMEs don raba bayanai (Musayar Bayanan Kasuwancin Hukumar Kula da Kuɗi ta Hong Kong), yayin da cibiyoyin bankunan masu hamayya da juna ke jin hanyarsu ta zuwa kasuwar buɗe-bakin banki (JETCO's APIX).
Dalilin da ya sa yarjejeniyar ta dauki shekara guda tana ci gaba da kasancewa shi ne saboda ta shafi bankin daukar sabbin fannoni, da suka hada da raba bayanai da basussuka, da kuma samar da hanyoyin da zai bukata a cikin gida don tallafawa kan shiga cikin farawar fintech. Lallai, sanarwar kawai tana nuni ne akan ɗimbin aikin cikin gida da ake buƙata don matsar da irin wannan babbar ƙungiya cikin sabuwar dabara.
Shekara guda bayan SVB saga, HSBC yana taimaka wa masu farawa su zama babban banki a shirye, amma tambaya mai ban sha'awa ita ce ko zai iya zama shirye-shiryen farawa.
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- Source: https://www.digfingroup.com/hsbc-hkstp/
