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Tencent, one of China’s largest internet companies, is looking to beef up its new banking affiliate by helping it raise $1bn in new capital, according to investors.
中國最大互聯網公司之一騰訊(Tencent)希望通過新一輪10億美元融資增強其新建銀行子公司的實力。
The bolstering of Webank, which is 30 per cent owned by Tencent, is part of a government-approved push by China’s biggest internet conglomerates into finance — an area dominated by state-owned banks.
騰訊持有微眾銀行(Webank)30%股權，騰訊為微眾融資之舉是中國政府批準的中國最大互聯網集團進軍金融業計劃的一部分，中國金融業現在由國有銀行主宰。
Beijing hopes the push will lead to a rise in lending to small and medium-sized companies, which have been largely ignored by the state banking sector.
中國政府希望這一計劃將擴大對中小企業的貸款，中小企業基本上不受國有銀行的重視。
The fundraising for Webank, which plans to offer small loans and other financial products to customers, is expected to value the company at $5bn. Tencent declined to comment on the capital raising.
預計微眾銀行此次融資對該公司的估值為50億美元。騰訊拒絕就此次融資置評。微眾銀行計劃向客戶提供小額貸款和其他金融產品。
Tencent and other internet companies plan to use troves of internet “big data” to determine the creditworthiness of customers who might otherwise not have access to larger banks’ lending due to lack of collateral.
騰訊和其他互聯網公司計劃利用互聯網“大數據”庫，來確定客戶的信譽，這些客戶可能會因缺少抵押無法獲得大銀行的貸款。
The planned $1bn fundraising will help WeBank expand its personal-loan service called Weilidai — “a little loan” in English — which allows users to borrow up to Rmb200,000 without collateral.
此次規模為10億美元的融資計劃，將幫助微眾開拓"微粒貸"個人貸款服務，這種服務允許用戶在沒有抵押的情況下最多借款20萬元人民幣。
