Otomatiki mune zvemari, kunyanya mukati mebhangi chikamu, yagara ichitanga nepamusoro-frequency maitiro uye kutengeserana. Mukubhanga, zviitiko zvinowanzoitika zvinosanganisira kutengeserana kugadzirisa uye kukweretesa kwekutengesa.

Idzi nzvimbo dzanga dziri dzekutanga kutarisisa kwekuedza otomatiki, zvinosanganisira zvinhu zvakaita sekugadzirisa maapplication, kuongorora njodzi, uye shanduko kubva kuongororo yemanyorero yemafomu uye zvinyorwa kuenda kune otomatiki cheki uye modhi-yakavakirwa ongororo.

Mezzanine financing inomira zvakasiyana neaya maitiro epamusoro-frequency. Inoratidzwa neyakasiyana, yakagadzirwa-yakagadzirwa hunhu, mezzanine mari inogara yakananga niche nzvimbo mukati memamiriro emari: inomiririra mhinduro yemari ine yakawedzera njodzi nhanho, yakarongedzwa zvine hungwaru pakati peyakajairwa makambani zvikwereti uye equity investments.

Mezzanine mari yekubhadhara ingave inosanganisira kupa mari pachikamu chevagovani (inova dhizaini yekumisikidza) kana kuburikidza nekutora equity pamwe chete nezviridzwa zvekudzorera sekuisa sarudzo (contractual subordination).

Tichifunga nezveimwe-yega uye yakasarudzika hunhu hwemezzanine zvibvumirano, otomatiki maitiro munzvimbo ino anounza dambudziko rakakura. Mubvunzo wechisikigo ungave unotevera: mabhangi, kunyanya makuru, angasvike sei pabasa rekusimudzira purofiti yebhizinesi ravo remezzanine kuburikidza neautomation uye shanduko yedhijitari?

Senyanzvi ine ruzivo rwakakura munzvimbo dzePrivate Equity, Risk Management, uye Zvemari, ndine chinangwa chekupa ongororo yekutanga mukushandurwa kwedhijitari mukukweretesa mezzanine iyo inotsvaga kuburitsa kuomarara uye kupa nyaya dzebudiriro mukushandisa kufambira mberi kwetekinoroji kune imwe nzvimbo. yekubhanga pachinyakare inotsamira pane bespoke, yega yega dhizaini.

The Traditional Landscape yeMezzanine Kukweretesa

Mezzanine financing inzvimbo yakasarudzika uye ine nuanced mukati mehupamhi hwemari mamiriro. Sezvambotaurwa, inotora nzvimbo yepakati pakati pezvikwereti zvemakambani zvakajairwa uye mari yekudyara uye inoratidzirwa nedanho repamusoro renjodzi.

Kusarudzika, imwe neimwe mezzanine dhiri inogadzirwa-yakagadzirwa, uye yakagadzirwa kuti ienderane nezvinodiwa chaizvo uye mamiriro emutengi wega wega, senge sutu yakagadzirwa.

Matambudziko muTraditional Mezzanine Lending

Hunhu hwemezzanine mari yekuzvarwa hunounza matambudziko akakura. Nzira dzechinyakare dzinotsamira pamaitiro emaoko uye kuita kwega kwega. Iyi nzira inoda kunzwisiswa kwakadzama kwezvakasiyana zvikamu zvechibvumirano chimwe nechimwe, hunyanzvi hweseti iyo inowanzoshomeka uye inodhura .

Mumabhanga mahombe ane makambani anokweretesa emakambani, vatengi uye mamaneja echikwereti vanonyatsoziva zvigadzirwa zvechikwereti. Nekudaro, kusangana kwavo nemezzanine transaction hazviwanzo, izvo zvinozodzikamisa hunyanzvi hwavo mukutengesa nemazvo kana kukwezva zvibvumirano zvakadaro.

Kugadzira timu yakasarudzika yevatengi mamaneja chete kune zvigadzirwa zve mezzanine hakusi kudhura chete, asi zvakare kunowedzera mitengo mukuenzanisa neyakajairwa nzira dzekukwereta.

Kunyange zvichikwanisika kusanganisa zvigadzirwa zvekudyara zvakaoma mumapoka kuti kuderedze mutengo, digitalization mune izvi inobuda seimwe nzira ine hupfumi uye inoshanda.

Digitalization seChigadziro

Shanduko yedhijitari mukukweretesa mezzanine inonyanya kutarisana nekuzivikanwa kwechibvumirano uye kukwezva. Vazhinji vechikwereti nevatengi nyanzvi mumabhangi vanoshandisa masisitimu anorekodha nhaurirano, mazano ekubata, uye yekutanga dhiri paramita.

Kubatanidza mezzanine maitiro muaya aripo masisitimu anogona kuita otomatiki kuzivikanwa kwezvingangoita mezzanine zvibvumirano.

Kana kutengeserana kukasangana nemaitiro aya, kunogona kuendeswa kune iyo mezzanine division kuti ienderere mberi nekugadzirisa. Kumwe kufambira mberi kunogona kusanganisira mhando dzeAI dzakadzidziswa kusiyanisa pakati pezvikwereti zvemakambani zvakajairwa uye mezzanine zvibvumirano zvichibva pane kuwanda kwezvibvumirano zvinouya.

Huyero hweshanduko iyi hwakakosha: nepo bhanga guru richikwanisa kuita zviuru zvemakambani ekukweretesa gore negore, mezzanine mari yemadhiri ishoma, kazhinji inoverengerwa munhamba imwe chete. Kuita hurongwa hwekuzivisa mezzanine zvibvumirano zvinogona kukonzera kuwedzera kagumi muhuwandu hwavo.

Kugadzirisa Maitiro: otomatiki uye Standardization

Shanduko yedhijitari inogona kurerutsa kuita nekuita otomatiki uye kuenzanisa maitiro. Panzvimbo pekunyura wakananga mune yakazara-chikero otomatiki uye kusimudzira kwepuratifomu, iwe unogona kutanga watarisa kune akareruka matekinoroji seRPA, iyo inogadzirisa kuunganidza data, kuongorora, kuverenga, uye kushuma. Izvi zvinoderedza basa remanyorero uye zvikanganiso uye zvinovandudza accounting uye kutevedzera.

Yakamisikidzwa mezzanine zviridzwa uye zvinyorwa zvakaita sematemu mapepa uye zvibvumirano zvechikwereti zvinogona zvakare kukurumidza kugadziridzwa kune yega yega dhiri pasina kurasikirwa kwemhando. Izvi zvinomhanyisa kugadzirisa uye zvinyorwa, izvo zvinowedzera kuvandudza kujeka uye kuenderana.

Digital mapuratifomu uye maturusi senge dhatabhesi uye dashboards anobatsira kuteedzera uye kubata yakawedzera dhizaini vhoriyamu uye akasiyana nekuronga ruzivo. Izvi zvinogonesa kutarisisa mamiriro uye kufambira mberi, kuona nekugadzirisa nyaya.

Pakazere, otomatiki uye kumisikidza inorerutsa kuuraya, kuderedza kupokana uye mutengo. Nekugadzirisa maitiro ekupedzisira-kusvika-kumagumo, shanduko yedhijitari inoita kuti mezzanine inokweretesa ishande, iwedzere, uye iite pundutso.

Basa reZvishandiso zvekushuma

Mezzanine portfolio kushuma kune dambudziko pasina yakamisikidzwa data. Aya madhiri akasiyana-siyana anoshaya pachena, izvo zvinoita kuti zviome kugara uchiongorora kudzoka kwakakosha uye metrics enjodzi.

Digital analytics maturusi ekuona data uye Bhizinesi Intelligence inogona kubatsira nekubatanidza zvakakamurwa data kuti ionekwe kwakabatanidzwa: inogonesa madhibhodhi anodyidzana anoona mashandiro epotfolio akachekwa nemukwereti, indasitiri, geography, uye mamwe mativi - izvi zvinopa masimba ekutarisa akazara.

Qlik zvakare inogonesa ma analytics epamberi senge kufungidzira modhi, kuongorora mamiriro, uye kuyedza kushushikana. Vanokweretesa vanogona kutevedzera remangwana portfolio kuita pasi pekufungidzira kwakasiyana uye mamiriro - aya anofambiswa nedata ruzivo anobatsira kukwirisa zano uye kudzikisira njodzi.

Qlik Sense uye data analytics mune izvi ndizvo zvakanakisa kupa pachena uye nzwisiso inodiwa kushingaira kutonga mezzanine portfolios. Nekugonesa kurondedzera kwakazara uye kufanotaura analytics pane izvi zvakaoma zvibvumirano, shanduko yedhijitari inopa vanokweretesa kuoneka kunodiwa kuti kuwedzere kudzoka uye kuderedza njodzi. Iyo lever ine simba yekugonesa mhedzisiro mukukweretesa mezzanine.

Nyaya Dzidzo

Muchikamu chino, tichaongorora zviitiko zvechikwereti process automation. Zvinonzwisisika, kune mashoma akatanhamara zviitiko zvekugadzirisa mezzanine transaction kupfuura basa redu paSberbank.

Nekudaro, ini ndicharatidza mimwe mienzaniso inoratidza mashandisirwo angaite nzira dzakafanana kubhizinesi remezzanine, zvakangofanana nezvatakawana kuSberbank pakati pa2018 na2021, uye zvandichaburitsa gare gare muchinyorwa.

Nyaya yeChidzidzo 1: Hurukuro hweEuropean Bank Imples End-to-End Digital Lending Platform

Mhedziso : Bhangi hombe reEuropean rakatsvaga kumisikidza bhizinesi rayo rekukweretesa reSME pakati pemakwikwi kubva kune agile fintech vakwikwidzi. Yakanangana nekugadzira dhijitari ecosystem ine musono nzendo dzevatengi. Danho rekutanga raive rekudzorera kukwereta kwayo kwekutengesa nemaapplication akakwenenzverwa, kuwanikwa kwenharembozha, uye mvumo yenguva chaiyo.

Maitiro : Bhangi rakabatana neDeloitte kutsanangura zvinodiwa nevatengi uye tekinoroji kune nyowani-yakavakirwa gore-yakavakirwa Digital Lending System. Deloitte's OpenDATA chikuva paAWS yakagonesa kuchinjika, scalable, modular kukura. Izvi zvakabvumira kutorwa kwemaitiro eAgile, kuendesa vhezheni yekutanga mumavhiki gumi nematatu chete.

Iyo sisitimu inoshandisa ma analytics epamusoro anosanganisira AI neML kubatanidza uye kuongorora data kubva kune emukati masisitimu, ekunze dhatabhesi, social media, uye mamwe masosi kugadzira yakazara, yemazuva ano anokwereta profiles.

Inoshandisa mitemo yakafanotemerwa kusefa uye chinzvimbo chakakodzera mezzanine mari. RPA, blockchain, uye akangwara zvibvumirano otomatiki mabasa emaoko senge zvinyorwa, kuverenga, uye kushuma.

Qlik Sense inogonesa kupindirana kwedata kuona, kufanotaura modhi, mamiriro, uye kuyedza kushushikana kuti ikwidzise nzira dzemezzanine uye manejimendi enjodzi.

Nekuda kweizvozvo, nguva yekunyorera chikwereti yakaderedzwa kubva pamazuva makumi maviri kusvika pamaminitsi gumi nemashanu, chiyero chekubvumidzwa chakawedzera kubva pa50% kusvika 90%, uye mitengo yekugadzira yakadzikira ne70%. Kuyerera kwekutungamira, kunaka, uye shanduko zvakare zvakavandudzwa, nepo kujeka uye kuenderana kwezvipo zvemezzanine zvakasimudzirwa. Analytics uye simulations akakwenenzverwa mazano uye sarudzo.

Nyaya Yechipiri: Kambani Inokweretesa Yakazvimiririra Inokwirisa GoDocs Kuvandudza Kukweretesa

Mhedziso : theLender ikambani yakazvimiririra inokweretesa inonyanya kupa zvikwereti zvebhiriji kune vanoisa zvivakwa. Mukweretesi akatsvaga kuzvisiyanisa kubva kune vamwe vanokweretesa nekupa kukurumidza, kwakapfava, uye kwakajeka nzira yekukweretesa.

Maitiro : Kambani yakabatana neGoDocs, inotungamira mupi wezvekutengesa gwaro rekugadzira software, kuita dhijitari yekukweretesa chikuva inogadzirisa iyo yese kubvisirwa chikwereti uye kuvhara maitiro.

Ipuratifomu inokwirisa makore komputa, hungwaru hwekunyepedzera, uye blockchain tekinoroji kukwenenzvera mafambiro ebasa, kuderedza zvikanganiso, uye kuwedzera kuchengetedzeka.

Kupfuurirazve, theLender's dhijitari yekukweretesa chikuva yakagonesa kudzikisa nguva yekugadzira magwaro echikwereti kubva kumaawa kusvika kumaminetsi, kubvisa dhata rekupinda uye zvikanganiso zvevanhu, kupa chaiyo-nguva kuoneka uye kubatana pakati pemapato ese ane chekuita nechikwereti, kuchengetedza zvakachengeteka uye kugovera chikwereti. magwaro pane akagoverwa ledger, uye pakupedzisira anosanganisirwa nevechitatu-bato masevhisi akadai sekiredhiti bureaus, makambani emusoro, uye escrow vamiririri.

Nekuda kweizvozvo, kambani yedhijitari yekukweretesa dhijitari yakabatsira kuti iwedzere chikwereti chayo uye mari ne300% mugore rimwe, kuvandudza kugutsikana kwevatengi vayo uye mitengo yekuchengeta, kuderedza mutengo wayo wekushanda uye njodzi, pamwe nekuwana mukana wekukwikwidza mukukweretesa kwakazvimirira. market.

Mhedziso

Shanduko yedhijitari inopa mukana unomanikidza kune mezzanine vanokweretesa kuti vagadzire uye vagadzire kukosha. Tekinoroji dzepamberi dzinosanganisira otomatiki, AI, uye data analytics inogona kugadzirisa zvazvino marwadzo mapoinzi akatenderedza dhizaini, kushanda zvakanaka, uye portfolio manejimendi.

Iwo mabhenefiti angangove mazhinji - yakagadziridzwa ruzivo rwevatengi, kugadzirwa kwevashandi, manejimendi enjodzi, uye hunyanzvi hwekuita. Kubatsira kukuru ndiko kuwedzera kwenhamba yekutengeserana, uye naizvozvo mumari.

Tichitora pane yangu ruzivo rwekushanda kuSberbank kubva 2018 kusvika 2021, zviri pachena kuti kuita shanduko dzakadaro mubhizinesi remezzanine kunogona kuwedzera zvakanyanya huwandu hwebhizinesi uye huwandu hwezvibvumirano. Pakutanga, Sberbank yakakwanisa kutenderedza gumi mezzanine zvibvumirano pagore.

Nekudaro, panosvika 2022, zvichitevera kugamuchirwa kweanoshanda otomatiki nzira, kugona kwebhangi kwakawedzera kusvika pamusoro pezvibvumirano zana pagore.

Kukura kunoshamisa uku kunoratidza simba rakakura rekuvandudzwa kwedhijitari pakusimudzira ese uye kugona kwekushanda mukukweretesa mezzanine.