The event was attended by Investment Funds, Founders, and CEOs of nearly 70 businesses. Accordingly, with the theme "Decoding the challenges and key factors in building a sustainable lending program for Startups in Vietnam and the supporting role of banks", the dialogue between Mr. Pham Hong Hai - General Director of OCB and Ms. Hoang Thi Kim Dzung - Country Director of Genesia Ventures delved into the contents that are currently receiving great attention from the market in general as well as Startup businesses in particular such as: Barriers that make it "difficult for Startups to reach" loan packages; How are banks changing to accompany the startup ecosystem and analyzing a case study - where banks, investment funds and Startups have developed together.
The issue of barriers that make it “difficult” for Startups to access bank loan packages was explored in depth in a dialogue between the General Director of OCB and the Country Director of Genesia Ventures Fund.
From a banking perspective, Mr. Pham Hong Hai - General Director of OCB said: "Retail is still the core strategy, but the bank also focuses on small and medium enterprises (SMEs), especially the Startups group, because we still believe this is a segment with great potential for growth in the market. For Startups, the bank will have to come up with very specific credit policies. We will look at the model, business plan, experience and management style of the founder, plus assess the stability of cash flow... These factors will create trust so that the bank can confidently support Startups."
Our view is long-term companionship, you can be “small” today but can be a unicorn in the future and this requires a long-term commitment between the parties, Mr. Hai further emphasized.
Next was the discussion session "Unlocking banking finance for startups" with the exchange of speakers who are founders and CEOs of startups that have created a buzz in the market such as: Mr. Nguyen Hai Ninh - Founder and CEO of M Village; Mr. Nguyen Hoang - Co-founder and CEO of Buymed; Mr. Truong Cong Thanh - Founder and CEO of Ecomobi. The discussion session provided practical perspectives and lessons learned to help startups overcome traditional credit barriers to access bank capital without collateral, especially technology and e-commerce startups. Thereby helping to optimize operations and promptly seize market opportunities effectively.
Lessons learned to help Startups easily access bank capital without collateral were shared by Startups during the discussion session.
For example, at M Village, a long-term accommodation model startup with the ability to expand its network of operations and stable revenue, M Village is one of the startups that has been funded by OCB without collateral or Buymed Company (Thuocsi) - a technology startup operating a wholesale drug e-commerce platform, supported by OCB in technology and connections to help improve the operational efficiency of the wholesale drug trading platform. In addition to supporting capital and technology solutions, OCB and Japan's Aozora Bank (AOZ) are also accompanying Buymed in implementing LBO in the short term and IPO in the long term. Particularly, Ecomobi Company - a technology startup with the leading social selling platform in Southeast Asia, present in more than 5 countries with a network of hundreds of thousands of KOLs, KOCs and sellers, is funded by OCB on credit thanks to its growth capacity and innovative business model.
It is known that with the strategy of focusing on promoting the small and medium enterprise (SME) customer segment in general and Startups in particular, in recent years, OCB has cooperated with investment funds invested by AOZ in Vietnam - typically Genesia Ventures to deploy comprehensive financial solutions specifically for this segment. Notably, the unsecured working capital loan product, funding is mainly based on cash flow and assets formed in the future, in accordance with the spirit of Resolution No. 68-NQ/TW of the Government on private economic development.
The cooperation between OCB and investment funds has marked a strategic step forward in the journey of accompanying the startup ecosystem in Vietnam. OCB not only provides capital in the early stages but also continues to accompany startups in the next stages of development such as scaling up, IPO, LBO or MBO. In addition, OCB also provides financial and strategic consulting services to help startups standardize their operating models, improve management capacity and approach international investors.
In this partnership, the Investment Fund plays the role of a bridge, assessing potential and accompanying Startups throughout the development process. The combination of the Bank and the Investment Fund creates a comprehensive financial ecosystem, helping Startups access capital more effectively, improve internal capacity and increase opportunities to reach regional and global markets.
Sharing at the event, Mr. Yoshizawa Toshiki - Representative of AOZ, Member of the Board of Directors of OCB said: “In the context of Resolution No. 68-NQ/TW defining private economic development as a pillar of the economy, while emphasizing the role of banks in facilitating businesses to access green, sustainable capital and promoting lending forms based on cash flow and business plans, we are more confident in our orientation to support startups as well as SMEs through flexible funding forms such as Venture Fund and Venture Debt. The businesses and Startups present at the workshop today are the clearest evidence of that commitment. We - Aozora and OCB - will continue to accompany the startup ecosystem and the small and medium-sized enterprise community in Vietnam, in line with the spirit set forth by the Vietnamese Government : "Promoting innovation, improving competitiveness and sustainable development.”
Source: https://ocb.com.vn/vi/tin-tuc-su-kien/tin-tuc/ocb-phoi-hop-cung-quy-dau-tu-genesia-ventures-to-chuc-hoi-nghi-banking-innovation-for-startups
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