【互联网大会】Start-up eyes online funding 2014-09-09 媒体来源:chinadaily.com.cn

  Wang Bo, founding partner and CEO of Antourong (Beijing) Network Technology Co and itouzi.com, speaks at the China Internet Conference on Aug 27, 2014. [Photo / qq.com]

  While people were rushing to sign up for wealth management products with a five percent annualized return, Wang Bo's team was offering a rate almost double, and they are now heading toward a strong platform.

  As Wang's financing platform itouzi.com accepts funds starting from 100 yuan ($16.3), reliable small- and micro-sized enterprises can get funded by hundreds of thousands of individual lenders, usually in less than a week, at relatively low cost.

  Wang's career began with a start-up cloud computing company after receiving his masters' degree at the Institute of Computing Technology under the Chinese Academy of Science. Several years, working in almost all roles in the company, qualified him to start a new company.

  He decided to put his technological savvy and internet thinking into the internet financing industry and, in 2013, started Antourong (Beijing) Network Technology Co Ltd with three founding partners – Zhao Chunxia, Liu Bo, and Gu Yun.

  Antourong's website itouzi.com launched its first financing guarantee product on March 31 last year. At that time, Antourong's founding partner and CEO Wang Bo and his partners set their sights on person-to-business (P2B) also called person-to-company (P2C).

  Wang said at the China Internet Conference: "The internet financing focuses on users, is based on technology and benefits everyone. The rules are open, transparent. In the internet financing business, it is the people that are gathering the wealth. What we do is like an internet shopping mall for financing projects".

  China's internet financing companies mimicked their foreign peers at the beginning. Soon some Chinese characteristics emerged and the companies and businesses localized in accordance with Chinese society and the financing environment.

  While the industry keeps growing, there are some risks with swindlers attempting to ambush clients by hiding behind an internet financing mask. People get to know the newcomer, but soon start to question the security and reliability of the business.

  People might be interested in high returns for a short-term but it can be risky speculation. What really attracts people is a reasonable and stable return in a mid- or long-term investment, and it should be safe, according to Wang.

  "We firmly obey the central bank's four guidelines. We will continue the solid fundament work," said Antourong chief risk officer Liu Bo.

  The People's Bank of China vice-governor Liu Shiyu has said internet financing should not touch illegal fund-raising and deposit taking; cash pooling is not allowed for online financing platforms, and a platform should not has guarantee business go with its own deposits or loans business.

 

原文翻译:

  启用在线资金 放眼P2P

  于2014年8月27日召开的互联网大会上,作为安投融(北京)网络科技有限公司的联合创始人兼CEO——王博发表讲话。

  当人们还在为年化收益为5%的理财产品跃跃欲试时,王博团队提供的收益率几乎已经是其两倍,并且他们现在正逐渐壮大成为更强大的平台。

  正如我们所见,王博的融资平台——爱投资,最低投资门槛是100元(折合美元16.3美元),一些可靠的中小企业通常最短在一周内就能从成千上百个的贷款方那里获得贷款,与此同时,他们的成本是相对较低的。

  王博是在获得了中科院计算所的硕士学位之后才开始他的云计算产业的职业生涯的。几年后,几乎涉入该行业各个领域的他开始创办新公司。

  决心把自己对技术的理解和互联网思维融合到互联网金融行业的王博,最终携另外三位创始合伙人——赵春霞、刘博和谷云,于2013年创立了安投融(北京)网络科技有限公司。

  隶属于安投融的爱投资交易平台于2013年3月31日上线。在那时,安投融的创始合伙人兼CEO王博和他的合伙人开始把目光转向个人对企业的贷款模式(即P2B),也被称为个人对公司贷款模式(即P2C)。

  王博在互联网大会上说道:“互联网金融的关注点是在用户身上,而这是建立在技术和让每个人从中获益的基础上的。平台信息也是公开透明的。在互联网融资业务中,是人在掌握聚集财富的主导权。我们所扮演的角色就如同是在互联网购物中心提供融资产品一样。

  事实上,中国的互联网金融公司起初是在模仿国外的同行业,但很快具有中国特色的模式便开始形成,并且这些公司和企业的定位都与中国发展现状和融资环境相一致。

  尽管该行业保持着快速发展的势头,但仍有一些骗子在戴着互联网金融的面具去欺骗顾客。人们总是很容易接受新平台,但是很快就要对平台的安全性和企业的可靠性产生疑问。

  王博表明,人们也许对短期高回报的产品很感兴趣但随即产生的风险也是不容忽视的。真正吸引人的应当是在中长期获得的合理的,稳定的回报,这才是相对安全的。

  安投融的首席风控官刘博则表示:“我们坚决不会触碰央行提出的四条红线,我们将会继续扎实的做好基础工作。”

  中国人民银行副行长刘士余曾表示互联网金融行业不应该非法集资和存款;在线融资平台是不允许建立资金池的,并且平台也不允许去担保存款或去担保贷款业务。

 

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