The pungent smell of fried squid on sticks wafts intothe chill humid air of Hong Kong’s Sheung Wandistrict. Here, in a nondescript of¬fice buildingalongside traditional Chinese medicine shops sellingdeer horn and dried caterpillar, WeLabco-founderSimon Loong hopes to play a significant role indragging Hong Kong’s retail lending sector into thedigital era.
香港上环(Sheung Wan)寒冷潮湿的空气中飘着一股炸鱿鱼串的刺鼻气味,卖鹿茸和干虫草的传统中药店旁坐落着一栋不起眼的办公楼。在这栋楼里办公的WeLab联合创始人龙沛智(Simon Loong)期望,自己的公司能在引领香港零售贷款业进入数字时代方面发挥重要作用。
The target market is small to midsized borrowers, who have traditionally had few sources fromwhich to obtain funds conveniently and affordably in Hong Kong. Even online applications tocommercial banks can involve a branch visit, while micro financing companies, which lend tolow-income consumers, charge high rates to compensate for the inevitably less rigorouscredit checks and higher default rates.
该公司瞄准的市场是中小借贷者。在香港,这类借贷者一向没有什么渠道方便而廉价地获取资金。即使是向商业银行在线申请贷款,可能也需要去分支行面谈,而面向低收入顾客放贷的小额融资公司,则收取高息来弥补肯定不那么严格的信用审核和更高的违约率带来的损失。
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