NYC Trip Notes

Key Takeaways from NYC Trip

Agenda

  • Key Takeaway
  • Key Factors
  • Key Inspiration from Hong Kong
  • Highlights Picture
    • Lecture innovation with Kid Generated AI
    • Site Visit at IBM
    • TV Lecture
    • City Group

Key Takeaways

Financial Risk Management
  • Covered with practical cases.
  • Examples:
    • PFC 2008
    • 2023 Regional Bank Failures
  • Highlights the role overs of the risk frameworks and adaptive dealership.
Private Equity (PE)
  • Reshaped the investment strategies.
  • Niche opportunities in sustainable and impact investing.
Payment Innovation
  • Lecture from Professor Q.
  • Payment system comparison with the US and Hong Kong.
Jamal Shake's Lecture
  • Feedback is crucial in IT project management.
Embedded Finance
  • Increased with open banking, API collaboration between parties.
  • Ecosystem: Collaboration with banks and other firms, not competition.
Blockchain and Smart Contracts
  • Enable efficiency.
  • Decentralized finance emphasized as a key driver of transparency, security, and efficiency for financial transactions.
Generated API
  • Used in insurance tech.
  • AI training for LLM and training algorithm.
  • Workshops and training for agents before sales.
  • Application for LLM training.

US-China Financial Landscape

Alibaba Listing
  • Alibaba listed in the New York Stock Exchange in 2014.
  • Deal size: 21,700,000,000.021,700,000,000.0 (around 21.721.7 billion).
  • Valuation: 168,000,000,000168,000,000,000 (around 168168 billion).
Debt Market
  • More than 1,700,000,000,000.01,700,000,000,000.0 ( 1.71.7 trillion) US Huawei bond issue in 2024.
  • New York trading ban has 45% share of Sohu.
  • Reason is alignment of strategy with national goals.
New York's Financial Power
  • Absent political power encoded in finance, pension, trade finance.
  • Preeminent in global trading houses (learned in 20 session).

Talent, Culture, and World Connection

  • Launched show at Mercy also benefited from concentrations of the high talent in finance, law, and technology.
  • Creates various cycle: talent, innovation, to capital aggregation, and technology.

Infrastructure and Connectivity

  • Experienced different culture at HSBC.

Risk Management: US vs. Hong Kong

US
  • Key is about risk management, volatilities, the correlation.
  • The last part is about the return of profit.
Hong Kong
  • Focus on product return opportunities, arbitrage.
  • Less emphasis on risk management.
Regulatory Bodies
US
  • Different bodies (large corporation, large borough) provide guidance to license perspective.
  • Examples: FINRA and the SEC.
  • Bodies send people to teach what to do and not do.
Hong Kong
  • Two main bodies: MA and SFC.
  • Banks do more training to the representative.
  • MASFC asks banks to do internal control, but does not really provide guidance to the frontline.
  • Efficiency in Hong Kong finance is pretty low.
  • Staff needs to receive a few levels of approval before doing trades.
  • Hong Kong could learn from the US by having regulatory bodies that educate the licensed branch instead of leaving the responsibility to the banks.

Private Equity Market Comparison: Hong Kong vs. New York

Hong Kong
  • Size: 11,000,000,00011,000,000,000 ( 1111 billion), the largest city in Asia.
  • Majority capital source funded to Hong Kong, but the deals are done in Hong Kong
New York
  • Market size: 88,000,000,00088,000,000,000 ( 8888 billion) last year.
  • Globally leading hub of investments and innovation.
  • Advantage to have access to a very high concentration of PE and the VC dominating players like Blackstar and KBR.
Overall
  • North America benefits more from market upside, with higher growth rates and more deal size number.
  • Asia's downside is more significant when the market is of high risk or high uncertainty.
  • North America has a more mature system in controlling downside risk and promoting upside potential.

Hong Kong: Key Points to Learn

Regulation Environment
  • Already fairly stringent; consider introducing benefits/incentives to attract global players.
Private Equity and VC Sector
  • Improve accountability and transparency to attract investors.
Education
  • Encourage "thinking outside the box" beyond lectures and theories.
  • Expand education and learning paths for students and new entrants.
  • Cooperate with start-ups and private companies to support private enterprise innovations.
Ecosystem
  • Diversify exit opportunities beyond buyouts.
  • Foster growth of home-based big players to groom startups.

Risk Management Discussion

  • US has strong regulations but also more errors due to empowerment of frontline staff and willingness to take risks.
  • Strong security systems in the US allow for the discovery of mistakes.
  • Hong Kong may have undiscovered errors due to stringent internal controls.
  • US regulators are more willing to allow risk-taking.
    *Recommendations should address regulatory environment, talent grooming, rule of law, and openness to immigration.