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这家越南P2P现金贷竟然想在未来三年内成为越南最大的P2P借贷平台之一!| 出海越南现金贷岛群第120期

2019-08-29 10:37:49

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点对点(P2P)贷款在越南越来越受欢迎,新的参与者进入市场,监管机构向前迈进,创造了有利的环境。

9月,一家名为Megalend Viet Nam Investment and Trading Corporation的新公司在胡志明市首次亮相,特许资本为50亿越南盾(214,000美元)。该公司运营着一个P2P贷款平台,面向中小企业(SME),初创企业,尤其是高科技农业和家庭企业。

“Megalend Viet Nam的目标是在未来三年内成为越南最大的P2P借贷平台之一,”MIG Holdings副主任兼Megalend Viet Nam主席LưuTườngBách表示。

Megalend Viet Nam加入越南越来越多的P2P借贷平台,这些平台已经统计了Vaymuon,Mofin,Tima和HuyDong(以前称为LoanVi)。

本月早些时候,金融市场和P2P借贷平台Tima在Belway Capital Management(BRCM)的一轮B轮融资中筹集了300万美元,这是一家专注于大湄公河的私募股权基金。

据称最新投资对越南消费者金融平台的估值接近2000万美元。该公司成立于2015年,于2016年从Dunearn Singapore Fund和G Capital筹集了未公开的A轮融资。

Tima表示,除了在技术和人力资源方面投入更多资金外,新的资金还将用于越南63个城市和省份的扩张和增长。它声称已经在考虑来自几家大型基金和投资者的C系列融资提案。

Tima最近与Vietinbank的保险部门VietinBank Insurance Corporation合作。当不幸的是,借款人面临意外风险时,VietinBank Insurance将帮助他们偿还贷款。该公司在其平台上拥有超过23,000个贷款人和200万借款人。

上个月,总部位于新加坡的乘车运输服务食品交付和支付解决方案提供商Grab公布了在东南亚增加P2P贷款和汇款服务的计划。在DealStreetAsia的2018年亚洲PE VC峰会上,Grab总裁Ming Maa表示,一旦其支付平台“加强”,Grab就会寻求提供这些服务。

今年早些时候,该公司成立了金融服务部门Grab Financial,将其GrabPay支付平台扩展到小额贷款和小额保险。

为了解决越南P2P借贷活动的增加,越南国家银行(SBV)一直在研究和评估P2P贷款的正面和负面,风险和其他相关问题。 SBV副行长NguyễnKimAnh表示,监管机构还一直在研究P2P借贷的国际模式,以制定有效管理该国新兴金融科技业务的法律框架。

“目前,SBV的职能部门正在投入大量精力研究世界P2P借贷模式,管理经验和其他国家的运营监督,以制定一个法律框架,可以带来积极的方面。这项服务产品,同时防止和减少风险和负面影响,确保个人和企业的安全,从而增强在越南的金融包容性,“Anh说。

亚洲开发银行(ADB)越南国家主管埃里克西格威克在最近在河内举行的P2P借贷国际经验研讨会上表示,P2P借贷从2005年开始经历了快速增长和发展的时期。

据Vietnamnews称,在越南,P2P贷款已经是一个价值数十亿美元的产业。据估计,全球P2P市场每年将激增53%,到2020年达到4900亿美元。

 

 

P2P Lending Activity Accelerates in Vietnam

 

Peer-to-peer (P2P) lending is becoming increasingly popular in Vietnam with new players entering the market and regulators moving forward with creating a favorable environment.

In September, a new company called Megalend Viet Nam Investment and Trading Corporation made its debut in Ho Chi Minh City with a chartered capital of VND 5 billion (US$214, 000). The company operates a a P2P lending platform targeted at small and medium-sized enterprises (SMEs), startup enterprises, especially those in high-tech agriculture and households.

“Megalend Viet Nam targets to become one of the largest P2P lending platforms in Vietnam in the next three years,” said Lưu Tường Bách, deputy director of MIG Holdings and chairman of Megalend Viet Nam.

Megalend Viet Nam joins the growing list of P2P lending platforms in Vietnam which already counts the likes of Vaymuon, Mofin, Tima, and HuyDong, formerly known as LoanVi.

Earlier this month, financial marketplace and P2P lending platform Tima raised US$3 million in a Series B funding round from Belt Road Capital Management (BRCM), a Greater Mekong-focused private equity fund.

The latest investment is said to value the Vietnamese consumer finance platform at nearly US$20 million. The company, which was set up in 2015, raised an undisclosed Series A round in 2016 from Dunearn Singapore Fund and G Capital.

Tima said the new funding will be used for its expansion and growth in Vietnam’s 63 cities and provinces, besides investing more in technologies and human resources. It claims it is already considering a Series C funding proposals from several big funds and investors.

Tima recently partnered with VietinBank Insurance Corporation, the insurance arm of Vietinbank. When borrowers are unfortunately exposed to unexpected risks, VietinBank Insurance will help them pay off loans. The company has more than 23,000 lenders and 2 million borrowers on its platform.

Last month, Singapore-based ride-hailing transport services food delivery and payment solutions provider Grab unveiled plans to add P2P lending and remittance services in Southeast Asia. At DealStreetAsia’s Asia PE VC Summit 2018, Grab president Ming Maa said that Grab was looking to offer these services once its payments platform “strengthens.”

Earlier this year, the firm established its financial services unit Grab Financial to expand beyond its GrabPay payments platform into microlending and micro-insurance.

To address the rise in P2P lending activity in Vietnam, the State Bank of Vietnam (SBV) has been studying and assessing the positive and negative sides, risks and other relevant issues of P2P lending. The regulator has also been researching international models of P2P lending to develop a legal framework to effectively manage the country’s nascent fintech businesses, according to SBV deputy governor Nguyễn Kim Anh.

“Currently, the SBV’s functional departments are putting in a lot of effort to study the models of P2P lending in the world, the management experience and the operational supervision in other countries in order to formulate a legal framework which can bring out the positive aspects of this service product, while preventing and minimizing the risks and the negative effects and ensuring safety for individuals and enterprises, thereby enhancing financial inclusion in Vietnam,” Anh said.

Speaking at a recent workshop on international experiences in P2P lending held in Hanoi, Eric Sigwick, the Asian Development Bank (ADB) country director in Vietnam, said that P2P lending experienced a period of fast growth and development starting in 2005.

In Vietnam, P2P lending is already a billion-dollar industry, according to Vietnamnews. The global P2P market is estimated to surge by up to 53% per year to reach US$490 billion in 2020.


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