ABF Bulletin 2016 July Issue by Australian Business Forum

Bulletin ABF

EXHIBIT AT ABF AUSTRALIAN PAVILION ATTEND ACBW 2016 CHINA MISSION

VOLUME 2 ISSUE 3

ABF CONNECTING BUSINESS ACROSS AUSTRALIA ,CHINA & ASIA

ABF Events

ABF Media

B2BEXPO 2017 ACEXPO 2017

ABF Corporate Club

ABF Business

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Connect with The Chinese Market Exhibit at China’s Major Trade & Investment Expo 8-11 Sept 2016, Xiamen China

CIFIT & ABF Pavilion AD

Ideally positioned for Australian brands, products services and Investment projects Exhibit at

CHINA INTERNATIONAL FAIR FOR INVESTMENT & TRADE 中国国际投资贸易洽谈会

8-11 Sept 2016, Xiamen China

China’s Major Trade & Investment Expo CONTACT info@ABF.Events +61 3 8689 9898 www.ABF.Events

Visit www.ABF.Events

Supported by Austrade, AusIndustry, Asia Today International, B2B4

ABF BULLETIN JULY ISSUE

CEO & Founder Ray Evans

Chairman

John Rashleigh

Director China Operation Simon You

Business Affairs Director Robert Russi

Director Sales & Sponsorship

Contents

Tina Le

Director APAC

8 Australia China BusinessWeek 2016 Melbourne

17 Australia China Expo 2017 overview

19 B2BExpo 2017 overview

21 What’s instore for digital 2016

Australia China BusinessWeek China Mission Returns to Xiamen China

Paving the way

Stacey Martin

Business Affairs Director Robert Russi

Business Development Manager Stephen Lovchyld

Digital Creative Manager Rochelle Wang

Exhibition Production Manager Jonathan Zhang

Web Developer Bao Luong

International Director Annie Zhou

In-house Security Kiana

澳洲银行的新时代

Despatch Logistics Jackson Brown

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CHINA

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ENGAGE WITH CHINESE BUSINESS, JOIN THE ACBW 2016 CHINA MISSION 7-11 September 2016 | Xiamen China

ATTEND AS AN ACBW 2016 CHINA DELEGATE

NETWORK with over150,000

MATCH with potential

attendees and and co-exhibitors from China and overseas at Australian Pavilion and business leaders within ABF’s network at high-profile functions over a week’s program

partners and investors from all over China, organised by the Fujian Government

GAIN an in-depth

UNDERSTAND the ‘dos’

understanding of the Chinese market by visiting the center of One Belt One Road

and ‘don’ts’ of doing business in China from established Australian and international companies during the ACBW Forum information sessions

ATTEND ACBW 2016 CHINA AS A DELEGATE, REGISTER NOW AT WWW.ACBWCHINA.COM.AU www.ABF.Events | 03 8689 9898 | info@abfbusiness.com.au

ABF BULLETIN JULY ISSUE

MESSAGE FROM THE PREMIER of Victoria

he Victorian Government is pleased to welcome you to the 2016 Australia China BusinessWeek (ACBW) Forum, now in its ninth year.

Victoria shares an enduring and close friendship with China and I commend the work of organisations like the Australian Business Forum in making a vital contribution to growing this friendship. I witnessed the success of this event first hand at the 2015 ACBW Forum, which brought together over 1,000 delegates to explore new business opportunities in Victoria and China. Growing Victoria’s relationship with China is a priority for the Victorian Government. China is both Victoria’s number one trade partner and fastest growing source of investment. Beyond trade and investment, Victoria is proud to be home to approximately one third of the Chinese-Australian population. Earlier this year the Victorian Government launched Victoria’s new China Strategy, which will support the next chapter of Victoria’s engagement with China and focus on making Victoria China’s gateway to Australia.

In September 2015 I travelled to China, and it was with great pleasure that I witnessed Victoria sign landmark agreements that will foster collaboration between Victoria and China in cultural exchange, healthcare, and innovation and technology. I look forward to visiting China again later this year to strengthen existing ties and learn about new areas where Victoria and China can partner for mutual prosperity. At this year’s ACBW Forum I encourage all participants to make the most of this opportunity to connect and form new partnerships, and I wish you all a successful event.

THE HON. DANIEL ANDREWS MP PREMIER OF VICTORIA

Forward Welcome to the ninth anniversary of Australia-China Business Week Forum Series. Since its conception, ACBW has aimed to build a platform for Australian and Chinese businesses where they can network, share ideas, gain knowledge and conduct business. This year, the ACBW 2016 Melbourne program will focus on important challenges and trends affecting the Australia-China relationship such as the ‘One Belt, One Road’ Initiative, the growing Chinese appetite for Australian premium food and the opportunities and challenges of Chinese e-commerce for Australian businesses. A highlight this year’s Melbourne forum is the ACBW Luncheon with keynote speakers including the Hon Philip Dalidakis MP, Radek Sali, Peter Nathan, Steven Foo and

moderator Mark Hawthorne. I acknowledge and thank all our forum speakers for participating and in particular thank David Thomas for his expertise and long standing association as the ACBW Forum Chair. Following the ACBW Melbourne, ACBW 2016 China Mission will travel to Xiamen China on the 8-11 September and attend the China International Fair Trade & Investment (CIFIT 2016). Australian Business Forum will also host the ABF Australian Pavilion with a focus and exhibitors across agriculture, food & wine, health, tourism, real estate, finance, education as well as investment projects. The ACBW China Delegation and ABF Exhibition Pavilion are excellent b2b events and are ideally positioned for enterprises engaged or seeking to enter the China market. I recommend attending this year’s CIFIT 2016.

RAY EVANS As a premier platform for Australian SME businesses to seize FOUNDER & CEO upon the Australia-China developments and opportunities, AUSTRALIAN BUSINESS FORUM in November this year, ABF will be presenting the inaugural ACBW 2016 Sydney Expo. This is an excellent opportunity for Australian businesses to connect with potential investors, joint-venture partners, suppliers and distributors. WWW.ABF.EVENTS

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Australia - China BusinessWeek 27 July, Crown Palladium Melbourne

s the flagship event of the Australian Business Forum, Australia-China BusinessWeek (ACBW) 2016 Melbourne is ABCW’s most formidable grouping of SME and business leaders, converging on the 27th of July at the Crown Palladium for a series of keynote addresses, forums and panel discussions. The diverse offering is a prime opportunity for China-ready and early-stage Australian businesses to gain insight and expand further into China. Since its conception, ACBW has aimed to build a platform for Australian and Chinese businesses where they can network, share ideas, gain knowledge and develop opportunities. This year, the ACBW program will address some of the biggest issues

affecting the bilateral relationship such as the ‘One Belt, One Road’ Initiative, the growing Chinese appetite for Australian premium food and the opportunities and challenges of Chinese e-commerce for Australian businesses. This year’s ACBW 2016 Melbourne Keynote Luncheon will feature two of the great China success of stories of the Australian business world. The a2 Milk™ Company (Australia and New Zealand chief executive Peter Nathan has grown the Australianheadquartered company from a small, niche player in Australia’s fresh milk market into one of the dominant Australian exporters of premium branded milk powder and infant formula into China. On the back of its China growth, a2 Milk™ Company this year was admitted to the ASX 200 index on the Australian Securities Exchange, making it one of the 200 biggest listed companies in the country. Radek Sali is the chief executive of Swisse Vitamins, which has grown from a small family-owned business into a global health foods giant worth in excess of $2 billion. Mr Sali has guided Swisse’s marketing and global expansion strategy, which resulted in

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Hong Kong-listed Biostime taking a controlling stake for $1.67 billion in September last year. Together with Victoria’s minister for small business, innovation and trade, The Hon. Philip Dalidakis, and Steven Foo Head Business Development Asia Australia Post, the panel discussion will examine the key decisions and strategies that allowed Victorian companies Swisse and A2 Milk to succeed in China, and examine what pathways exist for other Australian businesses to follow in their footsteps. Following the panel discussion there will be a Q & A, on building an export business into China. The Acting Consul General of the People’s Republic of China in Victoria Mr Guobin Huang will propose the toast.

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ACBW Melbourne Speakers The Hon. Philip Dalidakis MLC Minister for Small Business, Innovation and Trade

Peter Nathan CEO A2 Milk

Guobin Huang

Mark Hawthorne

Acting Consul-General Consulate-General of P.R.China VIC

Editor-at-Large

Radek Sali CEO Swisse Wellness

The Age

Steven Foo Head, Asia Business Development (Global eCommerce Platforms) at Australia Post

David Thomas

Wang Xiaojia

ACBW 2016 Forum Moderator Think Global

Commercial Consul Consulate General of the PRC in Melbourne

Scott Bouvier

Stacey Martin

Partner King & Wood Mallesons

Director APAC ABF

Simon Bishop

Suren Pather

Ian Harrison

Boyd Peters Managing Director InvComs

Livia Wang MD, Access CN

Audrey Khaw Head of Corporate Banking Commonwealth Bank

Chunya Chen Deputy Branch Manager, Bank of China

Koby Jones Managing Director The SILC Group

Director Western Union Business Solutions

Chairman SUMO SIV

Chief Executive Australian Made Campaign Ltd

Ivy Xiao

Andrew Lumsden

Co-founder ACproperty.com.au

Partner Corrs Chambers Westgarth

Yong Chao Wu CEO Faster Enterprise

yan Hu Morgan Stanley Senior VP & Financial advisor

Tiger Liu Co-founder ZANK & COMPANY

BENJAMIN SUN Founder and Managing Director, Think China

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Attend the major China Trade & Investment Forum and Exhibition CIFIT 2016

ollowing the successful ACBW China Mission last year. Australia China BusinessWeek (ACBW) China Mission returns to Xiamen China on the 7-11 September to participate at CIFIT 2016 with a delegation of executives, decision-makers and business owners. Currently Chinaâ&#x20AC;&#x2122;s only international investment promotion event aimed at facilitating bilateral investment, CIFIT 2016 is also the largest global investment event approved by the Global Association of the Exhibition industry. The focus points of CIFIT are investment and trade exhibition a series of seminars on current investment issues, and investment project matchmaking sessions.

the investment climates in China and provides the business community with the one-stop shop for multilateral investment cooperation. This is ChinaAustralia exchange at its finest to connect and engage with suitable high net worth investors and prospective joint-venture partners from across China at one event.

CIFIT 2016 is the only trade fair that has 31 provinces in China exhibiting, which provides a unique opportunity for delegates and exhibitors to connect with important and beneficial contacts. CIFIT 2016 offers optimum opportunity for businesses to get an overview on

Australian companies attending CIFIT 2016 will be able to establish connections with Chinese companies and investors via strategic B2B sessions to find potential distribution channels,

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manufacturers and suppliers as well as investors and joint-venture partners. CIFIT 2016 attracts over 150,000 attendees including Chinese and foreign government leaders, head of international economic organizations, renowned economists, C-level executives of multinational corporations and business decisionmakers.Â Combining investment with trade, exhibition with negotiation, project promotion with policy consultation, and

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Exhibit at policy discussion with information release, integrating exhibition and conference CIFIT 2016 is a not-to-miss opportunity for Australian businesses preparing to engage or engaged with the China market. Australian Business Forum will host the ABF Australian Pavilion a showcase of Australian products, services, projects and investment projects and business opportunities. ABF Australia Pavilion will have a significant presence at

CIFIT 2016 to draw media and public focus on Australian agriculture, food & wine, health, tourism, real estate properties, finance, education and investment projects.

To be part of this yearâ&#x20AC;&#x2122;s major China Trade & Investment forum and exhibition join either as a delegate as part of ACBW 2016 China Mission or as an exhibitor at the ABF Australian Pavilion. visit www.ACBWChina.com.au

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Paving the way By Ray Evans, Founder & CEO, Australian Business Forum

While China offers many opportunities for Australian small businesses, it is not an easy market to understand and penetrate – but help is at hand, thanks to Australian Business Forum initiatives.

“Understanding cultural and business knowledge is especially important in China.” RAY EVANS Founder & CEO, Australian Business Forum

nderstanding the vast China market, and how business can take advantage of the opportunities it offers, is something most Australian businesses have yet to realise. As China’s economic and cultural relationship with Australia continues to grow, it has become increasingly important for Australian businesses to understand how their business can interact and attain Chinese clients or consumers. Following the launch of the ChinaAustralia Free Trade Agreement in December, Australian businesses have unprecedented access to the market, with nearly 96% of goods now able 12

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to enter China tariff-free. While this presents an enormous opportunity for businesses already engaged in that market, it does not guarantee success in such a competitive environment. Consistently, the two barriers to success in China for small Australian businesses, centre around the lack of knowledge and lack of networks.

Understanding cultural and business knowledge is important to any international market-entry strategy, but is especially important in China where forging personal relationships is often the precursor to securing business deals. Similarly, creating a network in business and government circles in China is imperative for success. HELP AT HAND For small business, investing time and capital into improving knowledge and networks can be difficult with limited resources, which means many small companies struggle when entering the market. Recognising these issues, the Australian Business Forum (ABF) has sought to address this through its business platform. For 10 years, ABF has been co-ordinating initiatives that focus on improving knowledge of the Chinese market, and fostering networking opportunities for small business.

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ABF has produced events such as Australia China BusinessWeek, China Digital Conference and China Lunch Club, which are held across Australia and China, attending thousands of small businesses each year. These events are complemented by ABF’s four central hubs: ABF Event, ABF Digital Media, ABF Corporate Club and ABF Business, platforms that promote Australian small business to a wider audience. This approach has created a valuable and inexpensive gateway for Australian small business to interact with the China market. With an audience profile evenly split between Australian small businesses, Australia-based Chinese businesses, inbound investors and business from mainland China, the ABF platform has been able to help build networks and assist with marketing.

‘This approach has created a valuable and inexpensive gateway for Australian small business to interact with the China market.’ NEW EXPOS ABF is dedicated in providing the Australian SME Business Sector with high profile events to showcase products and services in both Australia an China. Following the inaugural B2BEXPO and Australia China EXPO in Melbourne and Sydney, ABF will be returning to China in September with the ABF Australian Pavilion at CIFIT in Xiamen on the 8-11th September. This is an excellent opportunity to connect with potential Chinese clients

and develop brands in China. Last year, over 100,000 visitors attended with thirty-two provinces and sixty countries participating. This is one of a few major events in China where visitors are able to meet representatives from all Chinese provinces in one place and provides an unique opportunity. ABF will also be presenting ACBW 2016 China Mission also to Xiamen following last year when seventy-five delegates attended. If you are engaged with or about to enter the China market, I strongly recommend attending CIFIT 2016.

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THE AUSTRALIAN BUSINESS FORUM: CORPORATE CLUB

The ABF Corporate Club is perfect for business’s who value the long term commitment and benefit of the Australian-Chinese relationship. The Club provides you with an exclusive opportunity to engage and participate in the growing Sino- Australian relationship in a unique way.

The ABF Corporate Club provides members the unique opportunity to force personal relationship with senior government, business leaders and decision-makers from across industry sectors in both Australia and China.

Club Membership is only for those SME’s and Corporates who are actively engaged in the Australia China trade space, and particularly those who want to take their engagement to the next level.

Membership includes • • • • • •

• The ABF Corporate Club is part of the Australian Business Forum Group and as a membership club provides access to the ABF events, media and business matching platform.

Tickets & Delegate registrations to ABF Australian Events VIP registration and member discounts to ABF China Events Member discounts to exhibit at ABF Expos in Australia & China Attend China Lunch Club Luncheons Discounts and Member Bonuses across ABF Media platforms Member preferred supplier discounts, airlines, hotels, translation and business services Exclusive business matching and net working sessions

JOIN THE CLUB Contact info@abf.events | 03 8689 9898

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ABF launches the inaugural ACBW 2016 Expo in Sydney

hina is the world’s second largest economy and Australia’s largest trading partner.

In recent years, both the Australian and Chinese government have made significantly reforms to their trade policies – the signing of the 2015 Australia China Free Trade Agreement (ChAFTA) is one such initiative that will further strengthen and diversify this relationship.

ACBW Sydney Expo 2016 is supported by Austrade, NSW Government, industry Associations and principal sponsor Australia Post- Startrack. ACBW Expo will be presented over two days on the 8-9 November 2016 at the Sydney SMC Conference and Function Centre. Presented in conjunction with the annual ACBW 2016 Sydney Forum the Expo will showcase products, services and investment projects from across Australia as well as exhibitors and delegates from China. The Expo will include a number of feature zones including Government Services, E Commerce, China Trade Services, Business Opportunities, Property & Investment and Premium Products. Over two thousand vistors are anticipated to attend in addition to

one thousand delegates including over one hundred attending from the China Chambers of Commerce Forum, seeking to gain knowledge about Australian business, culture and to explore potential investment opportunities. ACBW 2016 Sydney Forum includes, English & Chinese forums, seminars, business matching & networking sessions and keynote luncheon If your business ready for the next step, or you are keen to export your Australian products to China or seeking investment capital to grow your business, ACBW 2016 Expo and ACBW 2016 Sydney Forum are highly recommend events. Registrations are now available to attend as an exhibitor, delegate or visitor. Visit www.ACBWChina.com.au

For business owners and executives across all industries looking to enter the China market or seeking to grow their China business, the inaugural ACBW 2016 Expo is an excellent platform to engage in trade, culture exchanges, investment collaboration and branding between Australia and China.

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M10, Level 2 ( Mid Level ) Southgate Restaurant & Shopping Precinct 3 Southgate Ave, Southbank, VIC 3006 TEL : 03 9699 4170 WEB: www.redemperor.com.au

ed emperor Chinese restaurant has been a popular Southgate establishment in Melbourne for more than 20 years. Come and dine in our newly refurbished setting, with superb views overlooking the Yarra River and the Melbourne City Skyline. New dishes using superior ingredients have been added to our true and tested hallmark menu, prepared by our highly experienced chefs, with a loving heart and eye for detail. We do not add MSG in our cooking and pride ourselves on catering to requests and many dietary requirements, such as gluten-free.

Whether it’s a professional corporate function, or an intimate dinner for two, you can expect impeccable service from Red Emperor. Please either trusts our knowledgeable staff to tailor makes your meal according to your requirements or chooses from our many banquets and a la carte menu. Our corporate all inclusive Food and Beverage Packages are also highly suitable for larger family dinners besides corporate functions.

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Red Emperor’s daily yum cha is also considered by many to be one of Melbourne’s best. We pride ourselves for making every yum cha items daily in-house to ensure freshness and quality Reserve a table early to avoid disappointment. Car parking facilities are available at Southgate Precinct.

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Following the successful launch this year, Australia China Expo returns in 2017 Showcasing Business,Trade & Investment

27-28 APril 2017, Melbourne 21-22 June 2017, Sydeney

ollowing the successful launch in Melbourne and Sydney this year with over five thousand visitors the Australia China Expo (ACE) returns in 2017. Showcasing business, trade and investment between Australia and China, ACE 2017 will draw exhibitors from the cream of Australian and Chinese business and SMEs to exhibit in six feature zones, and engage with potential customers, partners and clients in both Melbourne & Sydney. With the commencement of the China Free Trade Agreement, Australian businesses, now more than ever, have the unique opportunity to expand into this expansive market, and launch their businesses toward consumers seeking Australiaâ&#x20AC;&#x2122;s high quality products and services ACE 2017 is a targeted exhibition showcasing the businesses and services aimed at, or looking to commence, business across the Australian and Chinese sphere, and provides a market place across many industry sectors

including premium foods, agribusiness, health, education, business services, property, e commerce, investment and business opportunities. ACE 2017 will include a number of feature zones including Government Services, E Commerce, China Trade Services, Business Opportunities, Property & Investment and Premium Products. ACE 2017 is supported by the Victorian and New South Wales Government, Ausindustry, Local Chambers of

Commerce and Industry Bodies. A feature of the exhibition is the free ACE Seminar Series which were in high demand and well attended this year. ACE 2017 (Australia China Expo) will be presented in parallel with the B2BEXPO 2017, on the 27-28 April Melbourne Exhibition Centre and 21-22 June Technology Park Sydney. Exhibitor registrations are now available, visit www.ACExpo.com.au

PROMOTE YOUR BUSINESS WITH ABF MEDIA NEXT ABF BUlletin close on 15 May

contact

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info@abf.events dAVID CHRISTIE 03 8698 9898 DAVID.C@ABF.Events 03 8689 9892

Part of Asia for 33 years

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ore than three decades on, Asia Today International magazine is seen as Australia’s most authoritative business journal reporting on Asia – a first reference source for both international corporations and SMEs trading, investing and providing services to business in Australia and Asia. We look forward, assessing issues with potential to impact on existing and future business, drawing input from business and government leaders in Asia and across the world. We identify social and political change likely to impact on existing business – or to create new business opportunities. We offer thought leadership on the issues that matter.

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We remain committed to excellence in reporting. Facts, background, perspective, knowledge, business intelligence. Read it first in ATI Magazine. To join our subscriber lists, visit

www.asiatodayinternational.com Your subscription covers ATI Magazine, including, this year, our ASIA2017 flagship issue; Password access to our website for daily online updates and our archives; A weekly subscriber e-brief alert listing by category new reports filed online; and a free online listing in our Asia Directory of the products and services you offer.

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returns as the SME business sector endorses this year’s event With over five thousand visitors and one-hundred & sixty exhibitors B2B EXPO 2017 will return next year on the 27-28 April Melbourne & 21-22 June Sydney 2017. Showcasing essential products & services, connecting Government and key industry associations, profiling new startups and innovation trends & solutions are some of the highlights of B2B EXPO 2017. Ongoing growth of the SME sector makes it vital for management to position their business and assess potential opportunities correctly. To organise the diverse SME sector, B2B EXPO 2017 will include high profile B2B Feature Zones including:

Visitors can register to attend the B2B EXPO Seminar Series that will teach the ‘tricks of the trade’ by filling knowledge gaps and touching on local and international business trends are some of the topics on the two day free seminars. B2B EXPO Pitch Room provides startups with an excellent opportunity to connect with angel and venturecapital and startup experts.

• • • • • • • • •

International Trade Zone Start-up Street IT matters E-Commerce zone Business Opportunities Showcase Government Pavilion Business Learning Zone Business Services Hub Financial Services Hub

B2B EXPO 2017 also includes high profile networking functions, including the B2B Luncheon and Networking Sessions.

B2BEXPO 2017 is supported by the Victorian and New South Wales governments and connects SMEs with industry leaders from all sectors under one roof.

Exhibitor, Sponsor and Partner registrations now available visit www.B2Bexpo.com.au WWW.ABF.EVENTS

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Whats in store for retail in 2016 By Australia Post & StarTrack

n 2015, retailers were coming to terms with never before seen opportunities in their space “omnichannel”,” social shopping”, and “mCommerce”. By the end of the year, retailers large and small were reaping the rewards of these strategies.

data you capture, personalisation of customer offers will become even more targeted.

These digitally-driven changes are just the tip of the iceberg. The CommBank 2015 retail Insights report says “the digital revolution is only just beginning” and there is “ample time for late adopters to get ahead of the curve.” So, we know that eCommerce will continue to be game-changer in 2016. What are the other hot prediction for the year ahead? How can you, as a retailer, step up ypur game to keep pace with consumers’ ever-changing behaviours?

stock. The right inventory management software will do this – and while it may seem like a significant investment to update software and procedures, it will certainly pay off as you gain better visibility into your stock levels.

HIGH-TECH CHANGES IN STORE Your bricks and mortar store will become a high-tech, interactive experience – in a subtle way, if that’s what your brand calls for. Beacons will be commonplace, pushing offers to customers’ smartphones. Face detectors may be used to track and analyse shopper behaviours. And augmented reality will bring your products to life in bold new ways.

CLICK & COLLECT AS A STANDARD In 2015, Click & Collect lost its buzzword status and became a standard offering. So this year, every retailer who values faster and more convenient shopping for their customers will be offering it. If you’re a pureplay online store, you could offer collection at Parcel Lockers1 or Post Offices. It’s all about making it as easy as possible for customers to receive their goods.

FULL INTEGRATION ACROSS ALL CHANNELS Every customer interaction – whether in-store, online, call centre, mobile or social – will be captured via an integrated technology platform With all channels integrated, you’ll be in a much better position to enhance the customer experience and boost engagement. Armed with all the

REAL-TIME INVENTORY VISIBILITY Given the explosion of eCommerce and the indisputable fact that consumers are firmly entrenched in omnichannel retail buying behaviour, you need to know exactly what’s going on with your

AUSTRALIA POST & STARTRACK IS THE SOLE NAMING SPONSOR FOR CHINA DIGITAL CONFRERNCE 2016 MELBOURNE & SYDNEY

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Investment in Australian Property Market By Zank & Co

ustralian Major banks have tightened loan lending standards and cut off tens of thousands of dollars on the potential lending amount. Recent data also highlights the toughening in mortgage lending standards. Zank&Co.’s role in providing loans to property developers has become more and more indispensable and have been assisting the whole industry running smoothly. Meanwhile, Zank&Co. package quality property loans into a single, mortgage fund that provides sustainable income to investors in the last year.

In the past month, for promoting this particular investing opportunity, Zank&Co. successfully ran several overseas investment lectures in different regions in China, including Shandong, Beijing, Hubei. During lectures, guests showed strong interests in Australian property industry. Mr. Xiaohu, one of directors of Zank&Co., introduced Australian investment market, current local property industry, different financing methods and relevant information about

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Australian REITs to the attenders. He emphasised that the scale of Australian REITs ranked number 2 in the global market, combined with a complete and transparent legal system which make Australia a good place to invest and finance. ZANKCO assists investors in fields which require professional skills and help clients generate desired returns. We will continue to hold more lectures related to investment in Australian property market and property securities in the future. We are looking forward to seeing you.

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ABF Corporate Club

he ABF Corporate Club Membership is ideally suited for companies involved in, and seeking further engagement with, international business and trade between Australia and China/Asia. ABF has, over the last 10 years, positioned itself on the frontier of the Australia-China business space with an extensive information base and network. ABF keeps abreast of the constantly shifting trends of the Australia-China relationship with our longstanding involvement and presence across various key industries. It presents premium opportunities for our members to get up to speed with China business activities and digital trends. Through

the ABF Corporate Club, members will effectively refine their China marketing strategies, whether at early-entry stage or established in the market. ABF Corporate Club helps members to analyse and make informed public comment on relevant policy matters by providing a platform on which these issues can be discussed, explained and explored. As an ABF Corporate Club Member, members will be entitled to complimentary passes, discounted prices and a variety of other benefits for ABFâ&#x20AC;&#x2122;s full calendar of diverse events including the annual Australia China BusinessWeek Series, China

Digital Conference, China Lunch Club, Australia-China Expo 2016, and B2B Expo 2016. ABF Corporate Club members enjoy invitations to participate in a number of exclusive events with inbound delegations of high-net-worth Chinese investors and businesses seeking to invest in Australian business. Additionally, the Australia China BusinessWeek 2016 China Mission to attend the China International Fair for Investment and Trade in Xiamen, China offers a unique opportunity to connect with local Chinese businesses, to which ABF Corporate Club members enjoy favourable discounts.

CONNECTING INVESTORS TO PROJECTS, INVESTMENTS, M&A ACROSS AUSTRALIAN CHINA & ASIA Robert russi cpa

Business Affairs Director, ABF Business

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03 8689 9896 | robert.russi@abfbusiness.com.au

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Goldmate

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澳洲银行的新时代？撰文：David Thomas (唐明达)，澳中商务周英文论坛主持

都发生了什么？

2016年4月至5月，澳洲主要银行均宣布收紧对海外人士购房贷款的审批。这一系列的举措毫无意外的引发了公众的忧虑，并遭到了批评。尽管澳洲声明“澳大利亚商业开放”，但该调整仍然反映出了澳洲金融机构对外国投资根深蒂固的抵触情绪，尤其是针对中国的投资者和买家。一些评论人士预测来自中国购房者的贷款申请将始终无法获批，从而造成地产市场毁灭性的结果，然而正是中国买家极大的推动了地产市场特别是公寓楼花的繁荣。客观的讲并不是所有银行都完全停止了针对外籍人士或海外收入的贷款业务。比如，NAB宣布针对外籍人士的贷款比例上限为房产估值的60％，同时只承认最多60%的海外收入。ANZ将不再向纯海外收入的外籍人士发放贷款，而且也采取了更严格的文件要求。而Westpac以及子公司都将不再向外籍人士发放贷款。

为什么会这样？

监管政策变化背后的诱因来自于多个方面。澳洲在经受住了全球金融危机之后，房地产市场稳步增长的需求推动了房屋供给的增加，地产开发商获得了更多的建造许可，开发和销售了更多的项目。史无前例的低利率以及利率的持续下行，和对市场持续繁荣的预期，使得越来越多的购房者和投资者入市并掀起了房地产市场的购买热潮。银行也借由买家的大量涌入增加了借贷资金以抢占自己的市场份额。这些都使得房价达到了前所未有的高度。然而这种趋势已经大大放缓。疯狂的购买导致了一些弊端甚至欺诈，一定数量的海外贷款申请人被发现提供了伪造和虚假的文件。一些投机者在支付10%的预付款用以购买楼花之后，根本没有打算收房却直接将楼花转手而获取利益。作为银行的监管机构，APRA已经向银行施压要求严管审批流程，剔除此类贷款申请。与此同时政府也通过提高FIRB申请费，印花税和限制外籍人士可购买房屋类型等措施来使市场降温。

好事还是坏事？

没有人想要看到这些贷款人因为无法如期还款而带来的巨大风险，因此毫无疑问银行应该严格限制虚假申请和加强审批流程管理，而且也可以使处于失控危险中的市场得到一个调整的机会。然而这样的举措就像在释放明确信号，澳洲正在向海外投资关上大门。这些政策调整被曲解后出现在不同的中文媒体和媒介中，宣称银行完全停止对外籍人士发放贷款，引发了公众的焦虑，不满和抵触情绪。这揭示了什么？近来的事件揭示了一个广泛值得考虑，探讨和解决的问题，那就是商业文化和经营方式的差异。中澳银行机构间的环境，文化和架构截然不同，规则，法规和流程也差异巨大。众所周知，澳洲银行以严格的申请和审批流程著称，特别是对难以认可和评估的海外资产。申请者需要就一个看似简单的要求而提供大量的文件。而中国银行的流程则灵活的多，使得申请能够得到快速和顺利的审批。还有一个需要考虑的是就业差异和这些对贷款和信贷申请的影响。澳洲银行要求所有申请者提供工资单以支持他们的信贷和贷款需求，然而在中国，要求提供工资单并不常见，因为富裕的中国投资者和私营企业主有多元化的收入来源，比如国内和国际的投资组合收益。我们的经验证明，双方因为都不了解对方的流程和出发点，所以造成彼此之间的不满。中国申请人不理解为什么需要提供如此大量的文件，而澳洲银行因为申请人不愿或者无法提供这样的信息而倍感无奈。

的思考用于评估贷款人资格、真实性及还款能力的方法。一种可行的方法是使用澳洲银行在中国的分支机构。很多澳洲银行在中国都设立了分支机构以推广业务，但并没有开展什么评估贷款申请人的工作。有没有这样一种可能性，调配具有语言和文化背景的本地员工去评估这样的申请，核实资料并与申请人面谈，从而建立对申请人的全面了解。从一线员工来讲，也需要接受更多的培训与学习，从而可以向讲中文的客户介绍和说明银行的流程，就像他们为讲英文客户提供的服务一样。当然，这并不只是澳洲银行的责任。中国投资者需要明白，恰恰正是严格的制度保护了市场，银行以及客户，才使得澳洲成为安全和有利可图的投资市场。我认为最近的这些事件让我们对于下一步中澳之间持续的经济往来动向有了一些感知。文化差异将永远是阻碍国际业务发展的重要因素之一，因此需要双方共同推动去更好的了解学习彼此之间的差异。一旦房地产市场恢复到正常水平，我们的银行应当采取更加创新和不同的思维方式去思考如何继续借助中国在澳投资的东风。银行业将成为其他机构，商业和社会团体的标杆，依托思维模式的调整与改变，更加灵活的经营方式，在迎接亚洲世纪的机遇和挑战中发挥领导作用。

我们要做什么？

从近期的事件来看，期待银行为了某类客户而改变流程是不切实际的，然而在灵活性上是有待提高的。如果澳洲希望继续利用涌入的中国投资和亚洲世纪所带来的机遇，我们的银行机构必须以创新的方式来解决这些问题。对管理层而言，应该接受更多的培训与学习去了解中国的监管架构，以及为什么与我们不同，何处不同。也许是时候去突破性

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