AUTHOR PROFILE
Michael Shang
Asian Business Lead · Kiwibank
Auckland, New Zealand
Fifteen years in commercial banking across China and New Zealand. Focused on Asian-linked mid-market businesses, growth capital, and the practical execution of lending—where ambition meets institutional reality.
This site is not a digital résumé. It is a place to think in public about the commercial questions I keep returning to: where working capital conversations break down, how growth businesses are actually assessed, and why some opportunities move while others stall.
BASED IN
Auckland, NZ
BACKGROUND
China · New Zealand
IN BANKING
AREAS OF EXPERTISE
LENDING
- Senior secured cash-flow lending (capex term debt)
- Working capital — OD, RCF, seasonal funding
- Structured lending with clear risk mitigants
TRADE & MARKETS
- Trade finance — LCs, documentary trade
- Funding, FX and liquidity aligned to real trade flows
- Cross-border transaction banking
CLIENT FOCUS
- Asian-linked mid-market corporates
- Primary industries and manufacturing
- New-to-bank origination and acquisition
MARKETS
- New Zealand mid-market
- China–New Zealand corridor
- Asia-linked business development
CAREER
Asian Business Lead · Kiwibank
Auckland
Commercial Growth Manager · Kiwibank
Auckland
Commercial Partner · Bank of New Zealand
Auckland
Associate Director, Transaction Banking · Bank of China (NZ)
Auckland
Associate Director, Corporate Banking · Bank of China (NZ)
Auckland
Manager, Global Trade Services · Bank of China
Beijing Head Office
EDUCATION
University of Auckland
Master of Business Administration
UIBE · Beijing
Bachelor · Business English & International Finance
THREE REGISTERS
INSIGHTS
Essays and observations on business and banking.
FRAMEWORKS
Reusable concepts and practical lenses.
REFLECTIONS
Anonymised patterns from experience.
"Good opportunities are not only found. They are clarified."