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Alibaba Financing Small Business: A Deep Dive into Access to Capital for SMEs
Author: Dr. Emily Chen, Associate Professor of Finance at the University of Hong Kong, specializing in emerging market finance and fintech's impact on small and medium-sized enterprises (SMEs). Dr. Chen has published extensively on access to finance for businesses in Asia and has consulted for several international organizations on SME development initiatives.
Publisher: This report is published by the Small Business Development Center (SBDC) Network, a nationally-associated network of centers providing support to small businesses across the United States. The SBDC Network is recognized for its unbiased and data-driven analyses of small business trends and financing options.
Editor: This report was edited by Mr. David Lee, a senior financial journalist with over 15 years of experience covering the Asian financial markets and the impact of technology on finance. Mr. Lee has a deep understanding of Alibaba's ecosystem and its role in supporting small businesses.
Summary: This report provides a comprehensive analysis of Alibaba's financing solutions for small businesses, examining its various platforms and their impact on access to capital. It explores the benefits and challenges associated with Alibaba financing for SMEs, backed by data and research findings. The report concludes that while Alibaba offers a significant contribution to financing SMEs, limitations and potential risks also exist. Understanding these nuances is crucial for small businesses seeking funding through this channel.
1. Introduction: Alibaba's Expanding Role in Small Business Financing
The rise of e-commerce has drastically altered the landscape for small and medium-sized enterprises (SMEs), particularly in Asia. Alibaba, a global e-commerce giant, has played a pivotal role in this transformation, not only by providing a platform for sales but also by offering innovative financial solutions for Alibaba financing small business. This report delves into the intricacies of Alibaba's financing ecosystem, exploring its impact on SMEs and analyzing its strengths and weaknesses.
2. Alibaba's Financing Platforms: A Diverse Ecosystem
Alibaba's financial arm, Ant Group (formerly Ant Financial), offers a diverse range of financial services tailored to small businesses. These include:
Mybank (MYbank): This digital bank provides loans, credit lines, and other financial products specifically designed for SMEs operating on Alibaba's platforms. Data from Mybank suggests a significant increase in loan disbursement to SMEs since its inception, with a particular focus on micro-businesses. [Insert specific data here – e.g., percentage growth in loan volume, number of SMEs served]. Accessing Alibaba financing small business through Mybank is often praised for its speed and convenience.
Alipay: While primarily a payment platform, Alipay plays a crucial role in Alibaba financing small business by facilitating seamless transactions and providing data-driven credit assessments. This data-driven approach allows for faster approval times and potentially lower interest rates for eligible businesses. [Insert data on loan approval times and interest rates compared to traditional banks].
Sesame Credit: This credit scoring system, integrated into Alipay, uses data from various sources to assess the creditworthiness of individuals and businesses. A higher Sesame Credit score can significantly improve access to and the terms of Alibaba financing small business. [Insert data on correlation between Sesame Credit score and loan approval rates/interest rates].
Other initiatives: Alibaba also offers various other initiatives supporting Alibaba financing small business, such as financial literacy programs, mentorship schemes, and partnerships with other financial institutions. These programs aim to empower SMEs and enhance their financial management capabilities.
3. Benefits of Alibaba Financing Small Business
The primary advantages of utilizing Alibaba's financing solutions for small businesses include:
Accessibility: Alibaba's digital platforms offer greater accessibility to finance for SMEs, particularly those in underserved areas or with limited access to traditional banking services. [Cite relevant research on financial inclusion and Alibaba's impact].
Speed and Efficiency: The digital nature of Alibaba's financing solutions significantly reduces processing times compared to traditional lending processes. This speed is critical for businesses facing urgent financial needs.
Data-Driven Decision Making: Alibaba’s reliance on data-driven assessments can lead to fairer and more efficient lending decisions, potentially benefiting businesses that may be overlooked by traditional banks.
Integrated Ecosystem: The seamless integration of financing services with Alibaba's e-commerce platforms facilitates efficient cash flow management for SMEs.
4. Challenges and Risks of Alibaba Financing Small Business
Despite the benefits, several challenges and risks are associated with Alibaba financing small business:
Data Privacy Concerns: The extensive data collection practices of Alibaba raise concerns regarding data privacy and security. [Discuss relevant regulations and potential risks].
Dependence on Alibaba's Ecosystem: Over-reliance on Alibaba's financing platforms may limit SMEs’ access to diverse funding options and increase vulnerability to changes in Alibaba's policies.
High Interest Rates (potentially): While potentially faster and easier to obtain, some loans offered through Alibaba’s platforms might come with higher interest rates than those offered by traditional banks, especially for high-risk borrowers. [Include comparative data if available].
Lack of Transparency (potentially): Some users have reported concerns about the lack of transparency in the loan application and approval process. [Cite user reviews or reports if available].
5. Conclusion: Navigating the Alibaba Financing Landscape
Alibaba’s contribution to Alibaba financing small business is undeniable. Its innovative platforms have significantly improved access to capital for SMEs, particularly in underserved markets. However, businesses must carefully weigh the benefits and risks before utilizing these services. Transparency, data privacy, and diversification of funding sources remain critical considerations for SMEs navigating this evolving financial landscape. Further research is needed to fully understand the long-term effects of Alibaba’s financing initiatives on SME growth and sustainability.
FAQs:
1. What are the eligibility requirements for Alibaba financing small business loans? Eligibility criteria vary depending on the specific platform and loan product. Generally, factors such as business registration, transaction history on Alibaba platforms, and credit score are considered.
2. How much can a small business borrow through Alibaba's platforms? Loan amounts vary significantly based on factors such as creditworthiness, business size, and loan type.
3. What are the interest rates for Alibaba financing small business loans? Interest rates are not fixed and vary based on several factors including risk assessment, loan amount and duration.
4. What are the repayment terms for Alibaba financing small business loans? Repayment terms depend on the specific loan product and are agreed upon during the application process.
5. How secure is my data when applying for Alibaba financing small business? Alibaba has implemented various security measures to protect user data, but it's crucial to be aware of potential risks and understand the company's data privacy policy.
6. Is Alibaba financing small business available in all countries? Currently, Alibaba's financing services are primarily focused on the Asia-Pacific region, but its reach is expanding.
7. Can I use Alibaba financing small business for business expansion? Yes, many loan products on Alibaba platforms are suitable for business expansion purposes.
8. How does Alibaba assess the creditworthiness of small businesses? Alibaba uses a combination of data points, including transaction history, business performance, and credit scores, to assess creditworthiness.
9. What support does Alibaba provide beyond financing? Alibaba provides various forms of support, including financial literacy programs, mentorship opportunities, and access to other resources that benefit small businesses.
Related Articles:
1. "The Impact of Fintech on SME Financing in Emerging Markets": This article examines the broader impact of fintech, including Alibaba's initiatives, on access to finance for small businesses in developing economies.
2. "A Comparative Analysis of Alibaba and Traditional Banking for SME Lending": This article compares the advantages and disadvantages of Alibaba's financing solutions against traditional bank loans for small businesses.
3. "Data Privacy and Security in Alibaba's Financing Ecosystem": A detailed analysis of the data privacy and security concerns related to Alibaba's financial services for SMEs.
4. "The Role of Sesame Credit in Alibaba's SME Lending Strategy": This article focuses specifically on the role of Sesame Credit in Alibaba's credit assessment and lending decisions for small businesses.
5. "Case Studies of Successful SMEs Utilizing Alibaba Financing": This article presents case studies of businesses that have successfully leveraged Alibaba's financing platforms for growth.
6. "Challenges and Opportunities for Alibaba in Expanding its SME Financing Services Globally": This article examines the obstacles and prospects for Alibaba to expand its financial services to more countries.
7. "The Future of SME Financing: The Role of AI and Big Data": This article discusses the broader trends in SME financing, focusing on the increasing role of AI and big data in credit assessment and risk management.
8. "Regulatory Landscape for Fintech Lending in China": This article analyzes the regulatory environment for fintech lending in China, focusing on the impact on platforms like Alibaba.
9. "Best Practices for Small Businesses Seeking Financing Through Alibaba": This article provides practical tips and guidance for small businesses applying for financing through Alibaba's various platforms.
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| alibaba financing small business: China's Technology Innovators Xiaoming Zhu, 2017-06-21 This book is one of the first to explore how Chinese companies are feeling the impulse of emerging business trends and seizing opportunities brought by technology innovation. It consists case studies of 7 Chinese companies: 3DMed, Wechat from Tencent, Shanghai GM, CP Group, Alibaba, AutoNavi, and ICBC. Each Chinese company has its unique perspectives and different ways to make transformation and business model adjustments. The book helps fill the gap between the global interest in “Innovate in China” and the limited availability of cases on innovations in the country. It is a valuable reference resource for readers in China and beyond wishing to address challenges in the context of growing digital technologies and overwhelming business trends. |
| alibaba financing small business: Innovation in E-business: Case studies Taiwo R. Alawiye, The Smallest and Most Concise book you will ever read about how to foster Innovation in your E-Business. Packed with real life case studies, discover the transformative power of innovation in the dynamic world of e-business with Innovation in E-Business: Case Studies. Authored by an MSc graduate of Business Innovation with E-business from the Birkbeck University of London, this comprehensive book takes you on a captivating journey through real-world case studies, strategic insights, and best practices that will inspire and guide entrepreneurs, business leaders, and students on their own innovation quests. Uncover the secrets to e-business innovation as the book lays a strong foundation by exploring various types of innovation, theories, and frameworks specific to the e-business landscape. Dive deep into the drivers and enablers of innovation, including technological advancements, evolving consumer behavior, and market forces, and gain a profound understanding of how these elements shape the e-business realm. Learn how to nurture an innovative culture within your organization, as the book emphasizes the critical role of leadership in fostering an environment that encourages creativity, experimentation, and risk-taking. Discover the importance of psychological safety, growth mindset, and collaboration in creating a culture that fuels innovation and propels businesses forward. Embark on a thrilling exploration of disruptive innovation in e-business through captivating case studies. Witness how disruptive forces have reshaped industries, challenged traditional business models, and paved the way for e-business success. Gain invaluable insights into strategies for navigating disruption and leveraging the opportunities presented by these transformative forces. Immerse yourself in a treasure trove of case studies featuring renowned organizations such as Amazon, Alibaba, Tesla, Spotify, Netflix, and Airbnb. Discover how these trailblazers have revolutionized their industries with their innovative approaches. Delve into the strategies, challenges, and outcomes of these groundbreaking e-business ventures, and extract the key lessons that will drive your own innovation journey. Take away best practices for fostering innovation in e-business as the book distills the collective wisdom from the case studies. Emphasizing customer-centricity, a culture of experimentation, technology and data utilization, collaboration, agility, talent development, and sustainability, this book equips you with the essential components needed to drive successful innovation in the e-business landscape. Look towards the future with Future Trends in E-Business Innovation as the book explores emerging technologies such as AI, IoT, AR/VR, and blockchain, and their potential impact on e-business. Gain foresight into the trends that will shape the e-business landscape, empowering you to stay ahead, adapt, and leverage new opportunities in the ever-evolving digital economy. Innovation in E-Business: Case Studies is your ultimate guide to embracing innovation, disrupting industries, and achieving e-business success. Packed with captivating case studies, strategic insights, and best practices, this book provides the knowledge and inspiration you need to make your mark in the dynamic world of e-business. Don't just follow the trends—be the trendsetter in the digital era. |
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| alibaba financing small business: Planet VC Terrance Philips, Jame DiBiasio, 2023-08-22 Venture capital (VC) is the business of financing the new—and making outsized profits. It grew up in Silicon Valley, backing the most influential companies known today, including Apple and Airbnb. It’s not the iPhone, but VC, that is Silicon Valley’s greatest export—it’s the key ingredient of innovation, and provides the toolkit for inventors and startup founders around the world to become powerful, multi-billion-dollar companies. Once other countries learned how to finance risky startups, they could unlock their own innovative energies. And where is VC placing its bets today? The answer is: everywhere. China. India. Israel. Brazil. Planet VC uncovers the story of how VC went global, transforming cities from Beijing to Bangalore into the techno-hubs of tomorrow. Authors Terrance Philips and Jame DiBiasio follow the money to understand how VC helped enable the rise of America’s global competitors, and where the world of innovation is headed next. What sectors or technologies are VCs backing in different parts of the world? How does VC work in countries as different as China and India? How do governments influence the funding of innovation? And how is technology, from blockchain to the metaverse, changing the nature of VC? By exploring these questions, through in-depth interviews with the people who pioneered venture investing around the world as well as with today’s industry leaders, Planet VC provides a unique and useful framework for understanding the future of global innovation. |
| alibaba financing small business: The Alibaba Way: Unleashing Grass-Roots Entrepreneurship to Build the World's Most Innovative Internet Company Ying Lowrey, 2016-02-12 The amazing e-commerce success story that provides a powerful new growth model for small business start-ups and grassroots entrepreneurs One of the world’s fastest growing Internet companies, Alibaba and its founder Jack Ma have inspired a generation of young Chinese—not just as a road map to riches, but as a lesson in entrepreneurial individualism. This illuminating guide takes readers inside this global giant of e-commerce and shows entrepreneurs how to build their own businesses from a grassroots vision to a world-class operation. Using Alibaba’s incredible success as a case study, the book identifies the driving forces behind job growth, innovation, and sustainability in the Digital Age. It shows small business owners how to unleash their entrepreneurial spirit, realize their grassroots ambitions, and use technology-driven platforms to grow their companies across multiple markets. The Alibaba Way offers a proven way to survive and thrive. The first book-length case study of the Alibaba phenomenon Alibaba is receiving incredible positive coverage in the media—its IPO is likely to be the largest in the US and one of the largest in the world Dr. Lowry is an expert in Chinese economics with experience in American markets Dr. Ying Lowrey is an Economics Professor at the School of Social Sciences, Tsinghua University, and Deputy Director of Tsinghua Research Center for Chinese Entrepreneurs. |
| alibaba financing small business: Financing Entrepreneurship and Innovation in Emerging Markets Lourdes Casanova, Peter Klaus Cornelius, Soumitra Dutta, 2017-11-17 Financing Entrepreneurship and Innovation in Emerging Markets offers an original perspective on the links between macro data on innovation, data on micro-entrepreneurial processes and venture capital supply. The authors synthesize two disparate fields of research and thinking—innovation and entrepreneurship and economics—to illuminate how domestic companies compete and the business environment in which entrepreneurial firms operate. Its broad scope and firm linkages between processes at different levels leapfrogs research topics. For those investigating entrepreneurship and innovation in the early stages of economic development, this book demonstrates how micro and macro foundations of productivity, and hence economic growth and development, are inextricably intertwined. - Combines macro and micro perspectives on innovation processes - Reveals how economic growth and development are inextricably intertwined - Uses case studies to portray the entrepreneurial firm and its role in accelerating the speed of innovation and dissemination of new technologies - Identifies common flaws undermining public venture programs, including poor design, a lack of understanding for the entrepreneurial process and implementation problems |
| alibaba financing small business: Regulating China's Shadow Banks Qingmin Yan, Jianhua Li, 2015-12-14 China’s shadow banking has been a top issue in the past few years. Scholars, policymakers, and professionals around the world are seeking deeper insight into the subject, and the authors had unique insight into the sector through their positions high up in the regulatory apparatus. Regulating China’s Shadow Banks focuses on the regulation of shadow banks in China and provides crucial information to demystify China’s shadow banking and associated regulatory challenges. This book defines shadow banking in the Chinese context, analyzes the impact of shadow banking on the Chinese economy, includes a full-scale analysis on the current status of Chinese financial regulation, and provides valuable advice on the regulation of China’s shadow banks. |
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| alibaba financing small business: Global Fintech Revolution Lerong Lu, 2024-07-11 Lerong Lu examines the biggest change in modern financial industry - the Fintech (financial technology) revolution - that denotes the close interaction between the financial services industry and latest information technologies such as big data, cloud computing, blockchain, and artificial intelligence. The three areas of banking institutions, online lending marketplaces, and money and payment systems are explored to assess how financial innovations affect the traditional financial industry, what kinds of regulatory challenges arise, and how global policymakers react to such challenges. With in-depth and international case studies on Fintech, including app-based banking services, mobile payments, P2P lending, and cryptocurrencies, the global Fintech hubs in six continents are assessed. The complex, dynamic, and multidimensional Fintech ecosystem is also investigated including its key players (such as regulatory strategy, regulatory sandbox, and RegTech) and Fintech corporations (including financial holding companies, Fintech unicorns, BigTech firms, and Metaverse platforms). Lu highlights the enormous benefits for financial institutions and their consumers and argues that Fintech contributes to a more equal, democratic, inclusive, and sustainable financial system. However, he also considers the risks and multiple legal, ethical, and regulatory challenges for policy-makers and financial authorities that Fintech has posed. |
| alibaba financing small business: Financial Inclusion of Small and Medium-Sized Enterprises in the Middle East and Central Asia Mr.Nicolas R Blancher, Maximiliano Appendino, Aidyn Bibolov, Mr.Armand Fouejieu, Mr.Jiawei Li, Anta Ndoye, Alexandra Panagiotakopoulou, Wei Shi, Tetyana Sydorenko, 2019-02-12 The importance of financial inclusion is increasingly recognized by policymakers around the world. Small and medium-sized enterprise (SME) financial inclusion, in particular, is at the core of the economic diversification and growth challenges many countries are facing. In the Middle East and Central Asia (MENAP and CCA) regions, SMEs represent an important share of firms, but the regions lag most others in terms of SME access to financing. |
| alibaba financing small business: Fintech Business Models Matthias Fischer, 2021-02-08 This book on fintechs shows an international comparison on a global level. It is the first book where 10 years of financing rounds for fintechs have been analyzed for 10 different fintech segments. It is the first book to show the Canvas business model for fintechs. Professionals and students get a global understanding of fintechs. The case examples in the book cover Europe, the U.S. and China. Teaser of the OPEN vhb course Principles of Fintech Business Models: https://www.youtube.com/watch?v=UN38YmzzvXQ |
| alibaba financing small business: The Technological Revolution in Financial Services Michael R. King, Richard W. Nesbitt, 2020-08-26 The financial services industry is being transformed by heightened regulation, technological disruption, and changing demographics. These structural forces have lowered barriers to entry, increasing competition from within and outside the industry, in the form of entrepreneurial fintech start-ups to large, non-financial technology-based companies. The Technological Revolution in Financial Services is an invaluable resource for those eager to understand the evolving financial industry. This edited volume outlines the strategic implications for financial services firms in North America, Europe, and other advanced economies. The most successful banks, insurance companies, and asset managers will partner with financial technology companies to provide a better and more innovative experience services to retail customers and small businesses. Ultimately this technological revolution will benefit customers and lead to a more open and inclusive financial system. |
| alibaba financing small business: Handbook of Business-to-Business Marketing Lilien, Gary L., Petersen, Andrew J., Wuyts, Stefan, 2022-07-15 This path-breaking Handbook is targeted primarily at marketing academics and graduate students who want a comprehensive overview of the academic state of the business-to-business marketing domain. It will also prove an invaluable resource for forward-thinking business-to-business practitioners who want to be aware of the current state of knowledge in their domains. |
| alibaba financing small business: Advanced Digital Marketing Strategies in a Data-Driven Era Saura, Jose Ramon, 2021-06-25 In the last decade, the use of data sciences in the digital marketing environment has increased. Digital marketing has transformed how companies communicate with their customers around the world. The increase in the use of social networks and how users communicate with companies on the internet has given rise to new business models based on the bidirectionality of communication between companies and internet users. Digital marketing, new business models, data-driven approaches, online advertising campaigns, and other digital strategies have gathered user opinions and comments through this new online channel. In this way, companies are beginning to see the digital ecosystem as not only the present but also the future. However, despite these advances, relevant evidence on the measures to improve the management of data sciences in digital marketing remains scarce. Advanced Digital Marketing Strategies in a Data-Driven Era contains high-quality research that presents a holistic overview of the main applications of data sciences to digital marketing and generates insights related to the creation of innovative data mining and knowledge discovery techniques applied to traditional and digital marketing strategies. The book analyzes how companies are adopting these new data-driven methods and how these strategies influence digital marketing. Discussing topics such as digital strategies, social media marketing, big data, marketing analytics, and data sciences, this book is essential for marketers, digital marketers, advertisers, brand managers, managers, executives, social media analysts, IT specialists, data scientists, students, researchers, and academicians in the field. |
| alibaba financing small business: Economic Policy of the People's Republic of China Barbara Darimont, 2023-01-01 This book deals with the current economic policy of the People's Republic of China. In addition to a brief overview of economic history since its founding and discussions of economic models, an overview of both the forms of business and the Chinese labor market is provided. The book pays particular attention to the development of China's e-commerce sector. Equally significant are China's environmental issues against the backdrop of the climate crisis. Without innovations, for example in energy production and waste management, the Chinese economy will hardly be able to continue growing. Therefore, one focus of the book is on economic policy in the environmental sector. Finally, foreign policy, including the Silk Road Initiative, is examined. The aim of this book is to highlight the above developments. It is aimed at laypersons involved in the business of China as well as first-year students who want an overview of economic policy institutions and current developments. |
| alibaba financing small business: Free the Land Jian Pu, 2017-03-16 Land reform has been the most challenging social issue for China which is in the transition from an agricultural society to an industrialized country. By introducing trust theory into China's land reform, this book attempts to settle the issues of land right verification and land circulation with financial tools, which provides significant implications for not only land reform but also trust theory study. |
| alibaba financing small business: Handbook of Blockchain, Digital Finance, and Inclusion, Volume 1 David Lee Kuo Chuen, Robert H. Deng, 2017-08-03 Handbook of Blockchain, Digital Finance, and Inclusion, Volume 1: Cryptocurrency, FinTech, InsurTech, and Regulation explores recent advances in digital banking and cryptocurrency, emphasizing mobile technology and evolving uses of cryptocurrencies as financial assets. Contributors go beyond summaries of standard models to describe new banking business models that will be sustainable and will likely dictate the future of finance. The volume not only emphasizes the financial opportunities made possible by digital banking, such as financial inclusion and impact investing, but it also looks at engineering theories and developments that encourage innovation. Its ability to illuminate present potential and future possibilities make it a unique contribution to the literature. - Explores recent advances in digital banking and cryptocurrency, emphasizing mobile technology and evolving uses of cryptocurrencies as financial assets - Explains the practical consequences of both technologies and economics to readers who want to learn about subjects related to their specialties - Encompasses alternative finance, financial inclusion, impact investing, decentralized consensus ledger and applied cryptography - Provides the only advanced methodical summary of these subjects available today |
| alibaba financing small business: Shadow Banking in China Shen Wei, 2016-07-27 This timely book investigates the dynamic causes, key forms, potential risks and changing regulation of shadow banking in China. Topics discussed include P2P lending, wealth management products, local government debts, and the underground lending market. Taking policy considerations into account, the author provides a comprehensive analysis of the regulatory instruments tackling the systemic risks in relation to China's shadow banking sector. Central bank's role, interest rate formation mechanism, exchange rate reform and further deepening reform of the regulatory regime and financial markets are also thoroughly discussed in the context of China's continuing financial reform. |
| alibaba financing small business: Entrepreneurship, Small Business and Public Policy Robert J. Bennett, 2014-06-20 Public policy interventions aimed at encouraging, supporting and developing small businesses are important for understanding entrepreneurship and small business management. This textbook is the first to provide teachers and students with a resource that gives an overview of how institutional and policy structures interact with small firm start-ups, continuation and succession/failures. Beginning with a brief introduction to policy processes, the text covers the main policy instruments for entrepreneurial market entry and start-up support, for on-going small business advice and financial support, and succession planning. It particularly focuses on policies that improve the Business Enabling Environment through macroeconomic policy, institutional reform, and deregulation of bureaucratic burdens. Theoretical rigour is complemented by detailed assessments of current policies around the world, including USA, advanced and emerging economies and Policy support from global institutions such as the World Bank and the ILO are included. Written by a pre-eminent scholar of public policy and entrepreneurship, this textbook provides a concise but thorough introduction to the subject for Master's students internationally. Policy recommendations in the author's conclusion also highlight the book's value to policy-makers as they adapt to the globalized, digital world. |
| alibaba financing small business: Country Experiences in Economic Development, Management and Entrepreneurship Mehmet Huseyin Bilgin, Hakan Danis, Ender Demir, Ugur Can, 2016-11-09 This volume brings together selected papers from the 17th EBES Conference, organized in Venice in winter 2015. The theoretical and empirical papers present the latest research in diverse areas of business, economics, and finance from many different regions. They chiefly focus on the interactions between economic development, entrepreneurship and financial institutions, especially putting the spotlight on cross-country evidence. Topics range from women’s entrepreneurship and economic regulation, to sustainability and climate change. This book provides researchers, professionals, and students a great opportunity to catch up on the latest studies in different fields and empirical findings on many countries and regions. |
| alibaba financing small business: Makers and Takers Rana Foroohar, 2017-09-12 Is Wall Street bad for Main Street America? A well-told exploration of why our current economy is leaving too many behind. —The New York Times In looking at the forces that shaped the 2016 presidential election, one thing is clear: much of the population believes that our economic system is rigged to enrich the privileged elites at the expense of hard-working Americans. This is a belief held equally on both sides of political spectrum, and it seems only to be gaining momentum. A key reason, says Financial Times columnist Rana Foroohar, is the fact that Wall Street is no longer supporting Main Street businesses that create the jobs for the middle and working class. She draws on in-depth reporting and interviews at the highest rungs of business and government to show how the “financialization of America”—the phenomenon by which finance and its way of thinking have come to dominate every corner of business—is threatening the American Dream. Now updated with new material explaining how our corrupted financial system propelled Donald Trump to power, Makers and Takers explores the confluence of forces that has led American businesses to favor balance-sheet engineering over the actual kind, greed over growth, and short-term profits over putting people to work. From the cozy relationship between Wall Street and Washington, to a tax code designed to benefit wealthy individuals and corporations, to forty years of bad policy decisions, she shows why so many Americans have lost trust in the system, and why it matters urgently to us all. Through colorful stories of both “Takers,” those stifling job creation while lining their own pockets, and “Makers,” businesses serving the real economy, Foroohar shows how we can reverse these trends for a better path forward. |
| alibaba financing small business: Beijing Review , 2012-10 |
| alibaba financing small business: Entrepreneurship in China Andrew Atherton, Alex Newman, 2017-09-01 The Chinese economy has grown faster for a longer period than any other economy in the world. It is now the second, and will soon become the largest, global economy. This is an astonishing transformation of a country that in the late 1970s was one of the poorest in Asia. Central to this economic miracle has been the emergence of a private sector of entrepreneurs who have started and grown businesses of all sizes and types. This book explores these wealth creators and builders of China’s new economy, and offers guidance on the best ways to work with China’s entrepreneurs and their growing businesses. Entrepreneurship in China looks at the dynamic and changing nature of entrepreneurship, and the need for entrepreneurs to refine, adapt and evolve their approaches within an uncertain, fast-changing and volatile environment. This book examines the distinctive and particular context of China for entrepreneurs, and offers insights into how entrepreneurship has emerged as the driver of China’s economy. This book will benefit business people, policy makers and researchers seeking to understand Chinese entrepreneurship and offers guidance to practitioners interested in working with private Chinese businesses. |
| alibaba financing small business: Bank 4.0 Brett King, 2018-12-28 Winner of best book by a foreign author (2019) at the Business Book of the Year Award organised by PwC Russia The future of banking is already here — are you ready? Bank 4.0 explores the radical transformation already taking place in banking, and follows it to its logical conclusion. What will banking look like in 30 years? 50 years? The world’s best banks have been forced to adapt to changing consumer behaviors; regulators are rethinking friction, licensing and regulation; Fintech start-ups and tech giants are redefining how banking fits in the daily life of consumers. To survive, banks are having to develop new capabilities, new jobs and new skills. The future of banking is not just about new thinking around value stores, payment and credit utility — it's embedded in voice-based smart assistants like Alexa and Siri and soon smart glasses which will guide you on daily spending and money decisions. The coming Bank 4.0 era is one where either your bank is embedded in your world via tech, or it no longer exists. In this final volume in Brett King's BANK series, we explore the future of banks amidst the evolution of technology and discover a revolution already at work. From re-engineered banking systems, to selfie-pay and self-driving cars, Bank 4.0 proves that we're not on Wall Street anymore. Bank 4.0 will help you: Understand the historical precedents that flag a fundamental rethinking in banking Discover low-friction, technology experiences that undermine the products we sell today Think through the evolution of identity, value and assets as cash and cards become obsolete Learn how Fintech and tech disruptors are using behaviour, psychology and technology to reshape the economics of banking Examine the ways in which blockchain, A.I., augmented reality and other leading-edge tech are the real building blocks of the future of banking systems If you look at individual technologies or startups disrupting the space, you might miss the biggest signposts to the future and you might also miss that most of we've learned about banking the last 700 years just isn't useful. When the biggest bank in the world isn't any of the names you'd expect, when branch networks are a burden not an asset, and when advice is the domain of Artificial Intelligence, we may very well have to start from scratch. Bank 4.0 takes you to a world where banking will be instant, smart and ubiquitous, and where you'll have to adapt faster than ever before just to survive. Welcome to the future. |
| alibaba financing small business: Selling to China Stanley Chao, 2018-08-31 The conventional wisdom that only large corporations can do business in China is a thing of the past. Small and medium-sized businesses today enjoy the same opportunities in China once granted only to large multinational conglomerates. In Selling to China, author Stanley Chao helps all businesses: • Learn effective ways to deal with Chinese businesspeople and private and state-owned companies • Determine whether certain products or services are viable for the Chinese market • Understand the psyche of the “Mao Generation” Chinese, who are now China’s business owners, executives, and government leaders • Develop low-cost, market-entry strategies Filled with clear, tangible steps and applicable anecdotes, Selling to China bridges the gap between Western and Chinese cultures, languages, and histories to help businesses enter the Chinese marketplace. |
| alibaba financing small business: The 2020 International Conference on Machine Learning and Big Data Analytics for IoT Security and Privacy John MacIntyre, Jinghua Zhao, Xiaomeng Ma, 2020-11-03 This book presents the proceedings of The 2020 International Conference on Machine Learning and Big Data Analytics for IoT Security and Privacy (SPIoT-2020), held in Shanghai, China, on November 6, 2020. Due to the COVID-19 outbreak problem, SPIoT-2020 conference was held online by Tencent Meeting. It provides comprehensive coverage of the latest advances and trends in information technology, science and engineering, addressing a number of broad themes, including novel machine learning and big data analytics methods for IoT security, data mining and statistical modelling for the secure IoT and machine learning-based security detecting protocols, which inspire the development of IoT security and privacy technologies. The contributions cover a wide range of topics: analytics and machine learning applications to IoT security; data-based metrics and risk assessment approaches for IoT; data confidentiality and privacy in IoT; and authentication and access control for data usage in IoT. Outlining promising future research directions, the book is a valuable resource for students, researchers and professionals and provides a useful reference guide for newcomers to the IoT security and privacy field. |
| alibaba financing small business: China’s Technology War Andrew Collier, 2022-07-08 This book is a short history of the Chinese crackdown on the country’s large technology firms that began in 2020. The book discusses the political and economic context, and outlines the limitations on the power of the state. As the policies of 'common prosperity' continue to develop, this book will be an invaluable reference for economists studying either China, the internet and big tech, or both. |
| alibaba financing small business: Environmental Engineering and Computer Application Kennis Chan, 2015-07-27 The awareness of environment protection is a great achievement of humans; an expression of self-awareness. Even though the idea of living while protecting the environment is not new, it has never been so widely and deeply practiced by any nations in history like it is today. From the late 90s in the last century, the surprisingly fast dev |
| alibaba financing small business: Corporate Governance of Chinese Multinational Corporations Runhui Lin, Jean Jinghan Chen, Li Xie, 2020-12-07 This book is the first to explore the issue of corporate governance in China's new corporations. With rapid development over the last two decades, China has seen compelling achievements in overseas investment. Specifically, an increasing number of Chinese companies have been “going out” to become multinational enterprises. From the practical view, corporate governance issues have been identified in the literature as one of the most important factors in determining whether these Chinese multinational enterprises succeed or not. However, existing literature provides little investigation and understanding about corporate governance of Chinese multinational enterprises. This book fills that gap and will be of value to corporate executives, scholars of China's economy, and journalists. |
| alibaba financing small business: Barriers to Entry Paul Ross, 2019-12-02 This book offers a unique perspective on the challenges that non-Chinese employed by Chinese companies face and provides insight into the issues foreign employees working for Chinese management encounter. As its source of content the book analyzes the experiences of those currently working for Chinese companies both inside and outside China and in exploring the dimensions of that experience lifts the veil on the inner workings of a Chinese company. By supplementing this primary analysis with secondary research that encompasses a wide range of disciplines (cross-cultural relations, Chinese management philosophy and practice, human resource management, linguistics, and aesthetics, etc.) the book serves as an invaluable resource for those engaged in the study of Chinese enterprise culture and management, cross-cultural relations, international business and human resource management. |
| alibaba financing small business: The Emerald Handbook of Fintech H. Kent Baker, Greg Filbeck, Keith Black, 2024-10-04 The Emerald Handbook of Fintech offers a detailed, user-friendly examination of the technologies and products reshaping the financial technology industry from leading global scholars and practitioners. |
| alibaba financing small business: Labour Economics: Theory and practice Kalandar Abdurakhmanov, 2020-05-17 Abdurakhmanov, K. Kh. Labour Economics. Theory and practice: textbook: / K.Kh. Abdurakhmanov Issues of labour economics and evolution of the economic views of Eastern thinkers, the process of attracting and using labour power, new forms of employment, the labour market, the economics of social and labour relations, organization and wages, incomes of workers, level and quality of life of the population, as well as the strategy of decent work in innovative conditions of economic development are considered in the textbook. For students of economic specialization of Central Asia studying in Europe and the United States and the widest range of readers interested in problems of Economics Republic of Uzbekistan. This book “Labour Economics: Theory and Practice” was presented at the International Conference This book “Labour Economics: Theory and Practice” was presented at the International Conference in 2019 in Tashkent, Uzbekistan, with participation of Government of the Republic of Uzbekistan and Russian Federation as well as foreign countries Embassies, and in particular UK Ambassador in Tashkent, Uzbekistan Timothy Torlot. As it is known, during 25 years of independence of the Republic of Uzbekistan scientists and researchers have not had opportunity to exchange research, the latest scientific achievements and developments. Over the past 3 years new President of Uzbekistan Shavkat Mirziyoyev has fundamentally changed his approach to domestic and foreign policy of the country, due to which Central Asian region has entered a new stage in development of interactions in cultural and humanitarian cooperation. There arose a necessity of interaction between scientists to deepen cultural and humanitarian cooperation. Academician Kalandar Abdurakhmanov was the first who presented new generation textbook “Labor Economics: Theory and Practice” in Uzbek at international conference, and arose a great interest of international scientific community in this scientific work, as a result, the textbook was firstly translated from Uzbek into Russian, Kazakh, Kyrgyz, Tajik and English. And it is planned to publish the textbook in Chinese, Japanese, Malaysian and Indonesian. It shows that scientists of new generation and format are represented in the Republic of Uzbekistan. In February 2019, the leading academic economist, academician of the Academy of Sciences of the Republic of Uzbekistan, Kalandar Abdurakhmanov presented the fundamental work in Uzbek language “Labor Economics, Theory and Practice”, devoted to modern issues of sustainable employment formation and strengthening the role of human resources in modern conditions of innovative development of the economy. During the International Conference “Plekhanov International Readings”, a global scientific conference held in Tashkent, Uzbekistan in 2019, after acquaintance of the scientific community with this textbook, an idea of rector of the Russian Economic University named after G.V. Plekhanova, Victor Grishin to publish the Uzbek textbook “Labor Economics. Theory and Practice” in the Russian Federation in Russian language was put forward. It should be noted that the scientific community of a number of Central Asian states also showed their interest in this publication. This is due to the fact that the new, revised and updated edition of the textbook “Labor Economics. Theory and practice” of academician Kalandar Abdurakhmanov is a fundamental work, covering the latest achievements of this science. Writing of this textbook is totally a new step in the direction of high qualified personnel training that is full with innovative changes on a global scale. The scientific community of a number of foreign countries also showed their interest in the publication, as University students in developed countries study the sciences of Labor economics and Modern Labor economics, which cover the most modern areas of labor economics theory. In the textbook academician Kalandar Abdurakhmanov takes into account all the latest achievements in this discipline. The author of the textbook is academician of the Academy of Sciences of the Republic of Uzbekistan Kalandar Abdurakhmanov has extensive experience in this field. Scientific monographs, textbooks and tutorials of the academician are published in the USA, Germany, France, Norway, China, Malaysia, Indonesia, Finland, South Korea, Japan, Russia and other countries. Created on the basis of Tashkent State University of Economy and led by it, the scientific school “Labor Economics” is successfully engaged in scientific research on the problems of social and labor relations, studying aspects of improving personnel management, organizing remuneration, improving the mechanism of the labor market, employment issues, conducting scientific disputes, round tables, seminars and conferences on these topics with the participation of leading scientists and economists on labor issues of Uzbekistan. Priority areas have been approved as part of the activities of the scientific school scientific research for 2020-2021 on the preparation and publication of monographs, scientific collections. Academician Kalandar Abudrakhmanov has published more than 15 articles in Scopus, one of the most respected collections of bibliographic and abstract scientific materials in the world, as well as in the Web of Science. All this, of course, explains the great interest in the new textbook, with the new economic approaches of academician Kalandar Abdurakhmanov both from scientists from the Central Asian region, the Russian Federation, and from foreign countries. This scientific work embodies ideas that have recently been shared by many domestic and foreign researchers in the field of labor economics. The book is written at a high professional level. The textbook for the first time disclosed the theoretical aspects of not only Western leading economists, but also examined the evolutionary stages of the economic views of Eastern thinkers such as Abu Nasr al-Farabi, Muhammad Khorezmi, Abu Rayhon Biruni, Abu Ali ibn Sina (Avicenna), Khoja Ahmed Yasawi, Mirzo Ulugbek, Alisher Navoi, Amir Temur, Babur and many other geniuses, not only of Islamic, but also of world civilization. |
| alibaba financing small business: Contemporary Strategic Chinese American Business Negotiations and Market Entry Steven J. Clarke, 2023-01-01 This book is an effort to provide a “primary source”, a guide for Chinese/American cross-cultural negotiations, which has been constructed and amassed by professionals living and working in China. Research included personal interviews, surveys, case studies, face-to-face negotiations, and consulting, melded with a broad body of international business. This book that has two focuses, China market entry and negotiations, Both China and the United States are vast, complex markets, with different histories and cultures. China market entry requires extensive research and understanding, of the inextricably linked elements of (a) how business is managed in China, (b) understanding the China market, and (c) negotiating all elements of your China market entry and ongoing business. To be successful in China, your firm will face these elements in terms of explicable and solvable activities. Research into data, theory, and perceptual cultural differences between your firm and your Chinese counterparts adds magnitude to your China overall business strategy, and mandatory and essential negotiations. |
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