Global diversification has become a flavor of the day for Chinese companies that grew up feasting on a fast-growing domestic economy that has become more challenging lately. But while many are still testing the waters, FinVolution Group (FINV.US), as one of China’s earliest fintech lenders to venture abroad, is already reaping significant business from its global gambit.
注：本文仅代表作者本人观点。
Since taking its first global step by establishing an Indonesian joint venture in 2018, FinVolution has grown its international operation to account for about a fifth of its revenue. It moved into the Philippines not long after Indonesia, and entered Pakistan last year, with plans to further boost its global footprint in the next few years.
在昔日快速增长的经济环境下，大量中国企业将战略注意力放在国内市场，但眼下，全球多元化发展已成为很多企业的最新课题。当很多公司还在试水的时候，作为中国最早进军海外市场的的金融科技助贷机构之一，信也科技集团(FINV.US)已经从其全球战略中收获了显著成果。
But such gambits, aren’t without their own risks, especially on the regulatory front. FinVolution became keenly aware of that fact when Indonesia, its largest global market, made a sudden regulatory change in late 2023, causing that part of the company’s revenue growth to slow.
信也科技2018年在印尼成立合资企业，迈出全球化的第一步。发展至今，其国际业务已占其收入的五分之一左右。进入印尼后不久，公司进军菲律宾，并于去年进入巴基斯坦，还计划在未来几年进一步扩大全球业务。