Asia depressed, not a huge amount of movement. And well be getting the inside track on how Crowd Funding is changing the way that Solar Energy Projects are funded in developing countries. It is ten years on from the launch of the iphone, we want to know what you think will be the next game changer . Let us know just use the hashtag bbcbizlive. Welcome to the programme. Over the next few days, the worlds car makers will be taking the wraps off their latest products at the Detroit Motor Show. The car seems more popular than ever an estimated 75 million were sold last year, but 2017 is already beginning to look like a big year of change for the industry. Not least because more of them are looking to invest in the United States. In the last few hours Fiat Chrysler has said it will put 1 billion into two us factories, which will create 2000 newjobs. The incoming President Donald Trump has been Piling Pressure on carmakers to make the vehicles they sell in the us in the us. Meanwhile the traditional Business Model of the industry is changing with the disruption coming from the technology firms. Google, apple and uber are pushing innovations like Driverless Technology and car sharing apps. And that will also mean more electric cars. Global warming and pollution are just two of the reasons many of the established players are focusing their investments in this area. In particular there are concerns about Diesel Engines with cities including paris, mexico city, madrid and athens all planning to introduce some kind of ban over the next decade to improve air quality. And then there is the prospect of a free trade era slowing down thats why Fiat Chrysler is investing in the us, with donald trump threatening several leading manufacturers with tariffs for Building Cars in mexico. Thank you. Talking through the key issues facing the motor industry. Earlier i spoke to the boss of rolls royce. Talking through some of theissues rolls royce. Talking through some of the issues which is interesting because rolls royce has not launched itself in a major way yet into the electric car industry and it is something i grilled him about, but when it came to other issues, as well, we talked about the situation with regards to the car industry in general and where things are headed. Hopefully we will get the view of karel williams. At first, another story that was big in business. It was the issue with regards to the us, the President Elect, donald trump, moving to push us car manufacturing, stopping them basically moving manufacturer to mexico or the decreasing manufacturing in mexico and back into the us. We got an expert view on that. It is plus 6 worldwide what we have achieved, a good year, in the light of considerable events in markets worldwide so 6 is great, over 4000 cars, a great achievement. We will let you get away with that but you solve most of your cars in the United States. The biggest market. After that you saw a 25 rise in sales in the uk. The uk has been a good market for us last year. Plus 25 . The car market in total was strong. Why was the u k. s strong in 2016 for you . You see High Net Worth individuals in the uk and they are our target groups. The economic climate was not bad in this way and for that reason we have seen good business. When it comes to the industry and changes we have talked about, the donald trump effect, technology, the likes of google and apple getting involved. Where do you see yourselves in the future . Some argue you have not necessarily moved with the times as quickly, for example, electric, you were slow to get a head on. Example, electric, you were slow to get a headon. We are in a different segment, we are not a traditional automotive recess. We are a luxury business. Our clients do not need a rolls royce to go from a to b. They have several cars. They will not accept compromises on charging times, stuff like that. More people wa nt times, stuff like that. More people want environmentally friendly vehicles that will get them there may be by plugging in as opposed to using old fuel. We presented last year the vision car, which is full autonomous driving, fully electric and that is how we see rolls royce. Where will we be able to drive one of those . The next ten years, definitely. He was that . You got it wrong stop i didnt get it wrong. That was the boss of rolls royce. We know who he is. I have interviewed him many times. However, iwas know who he is. I have interviewed him many times. However, i was told we would run Somebody Else we spoke to earlier. We have spoken to a lot of people about the Detroit Motor Show. Lets move on. In other news. Two senior samsung executives have been questioned as part of the Corruption Probe surrounding south koreas impeached president , park geun hye. Its reported that theyre being treated as witnesses. The Electronics Giant is accused of giving large donations to non profit foundations operated by a close confidante of ms park, allegedly in exchange for Political Support for a controversial merger. Ms park denies any wrongdoing. Us authorities have arrested a Volkswagen Executive who faces charges of Conspiracy To Defraud this according to the new york times. 0liver schmidt led volkswagens Regulatory Compliance office in the us. The report suggests he was arrested on saturday by fbi officials. If confirmed, mr schmidt could become the most senior volkswagen employee to face criminal investigations relating to the emissions scandal. Venezuelas president , nicolas maduro, has announced a 50 increase in the minimum wage. Its the fifth increase in the last year and is supposed to help venezuelans, who are struggling to cope with Hyper Inflation which is estimated to be around the 500 mark. The opposition says mr maduro is responsible for an economic crisis which has been engulfing the oil rich country for the last few years. We will talk about cars. We have managed to establish a link. Karel williams is a professor at Alliance Manchester business school. This is the guest we intended to speak to at the beginning of the programme. Thanks for joining speak to at the beginning of the programme. Thanks forjoining us. We have mentioned the challenges facing the car industry. From your Point Of View what is the big issue . There are three big issues. First, free trade with mexico after President Trump. Secondly, the mobility revolution, autonomous cars, and third, diesel cake. If you put them together it is a perfect storm for the motor industry. Trade, of all the motor industry. Trade, of all the things we buy, the car is possibly the most complex in terms of the way it is put together. If you have a hurricane in thailand it can disrupta you have a hurricane in thailand it can disrupt a Production Line in dagenham. If you have a more protectionist world, mr trump perhaps in the us, and other regimes around the world, what happens . Perhaps in the us, and other regimes around the world, what happen57m is an interesting question. A formal public position of the industry is tell us the rules and we will adopt. Adapt. If we look at it more broadly there is an important issue that an industry like the American Assembly industry is heavily dependent on cheap imported components from mexico. 40 of components from mexico. 40 of components in us assemble cars come from mexico. What the industry will hope is President Trump makes noises about assembly but does not disrupt the supply chain arrangements. What if he does . He seems to be a man with a mission. It is an interesting question, the whole thing about President Trump is there is ambiguity. He is between his midwest, ambiguity. He is between his m idwest, westervelt ambiguity. He is between his midwest, westervelt voters and his cabinet of billionaires and exactly how he pitches it i do not know. Assembly in mexico will be frowned upon west belt. A reordering of the supply chain, i rather doubt. Thanks. Chinas Ruling Communist Party has introduced tougher rules for its Corruption Investigators after Anti Corruption staff were put under investigation themselves. Steven mcdonald is in beijing. Tell us more. Steven mcdonald is in beijing. Tell us more. China has half a million Anti Corruption us more. China has half a million Anti Corru Ption investigators answering the call from the president to go after those who are seen to have behaved corruptly within the communist party. Now, to some extent, the spotlight is turned on them with new rules. How they investigate people, how they conduct surveillance. And that is because 7900 of these investigators are said to have been punished in some way, and 17 of them have been investigated for having committed their own corruption. This is about their own corruption. This is about the party trying to shore up public faith in this Anti Corruption drive. Thanks. An interesting story. China, it would seem, on its own mission when it comes to clamping down on corruption. It comes in waves. There is always a clamp down in corruption in china. Every few months. We can talk to Richard Hunter about the markets. Good morning. Nice to see you. We are talking about markets on the rise. The ftse, near all time highs. It is about anticipation. The two things we are looking forward to in 2017 of the ramifications of when the President Elect becomes president , at the end of next week, and after we have triggered article 50, to see how the uk economy will be affected, which as we have seen from the data, it has not been so far. There has been an effect in the sense theresa may, and impacts with what she says on her plans. This is one of the major reasons we saw such a rise from the ftse 100 one of the major reasons we saw such a rise from the ftse100 last year which is good news for the market. Up which is good news for the market. Up to 85 of earnings for ftse 100 Companies Come from overseas are the wea ker Companies Come from overseas are the weaker Pound Turbochargers our own market. The American Market is going ahead in anticipation of the boost donald trump will give to the economy. It has been contradictory tale. Some are doing well and some having a hard time christmas was not back good. It was against a Soft Christmas Last year. There seems to Bea Christmas Last year. There seems to be a Chasm Opening up between online retailers and physical presence retailers. Clicks and mortar. I see, people who straddle both will stop in terms of figures last week, the outlook was guarded, although they are famous for that and it is important we get a big names coming through this week to get a more balanced picture of whether it was a good christmas but the uk consumer could start to be trench, depending on the actual outcome of brexit when it happens. Good to see you. Nice to have someone good to see you. Nice to have someone in the studio. Things do not go wrong he is coming back later. We will meet a company trying to End Energy Poverty through the help of crowdfunding. First, in the uk we have lots of news about the banking sector. The government has sold a further 1 in Lloyds Banking group. It now owns 5. 95 of the business. 0ur our Business Editor simon jack our Business Editor simonjack is in the newsroom. It is not the government which owns the biggest sta ke government which owns the biggest stake at the moment, it is Somebody Else . It was bound to happen. Because the government has slowly sold off its original 41 stake it got back in 2008 overtime. Although it isa got back in 2008 overtime. Although it is a significant milestone, it is no longer the biggest shareholder in lloyds bank, which passes to blackrock, the us financial group. Selling shares slightly below the price they bought in at all those yea rs price they bought in at all those years ago, but they have pretty much broken even and return some 17. 5 billion of the original 20 billion put into it. It is a moment to recognise the Fact Noise Bank has done a good job in cleaning up its act and turning itself into quite a boring uk based retail bank. It was a simpler proposition to fix than rbs, the other bank in which the government owns a massive state. Rbs, the contrast is stark. We still own 73 of that and eight yea rs on we still own 73 of that and eight years on the bank is still losing money and it is actually looking right down the barrel perhaps as early as this week of another whopping fine, this time from the Us Department ofjustice over those mis sold sub prime mortgages. If we get a 10 billion fine, the bank will think thats a good result. It was a more complicated proposition than lloyds to fix. It was a global bank. 0n than lloyds to fix. It was a global bank. On some measures it was the biggest bank in the world with tentacles just about everywhere. Lloyds is on the right track, rbs, a long time before we see much of that money back that we put in nearly eight years ago. 0k, simon, thank you very much indeed. Simonjack there, our Business Editor. There is a lot about that story on our website. Something we havent mentioned so far, even though we have dedicated quite a bit of the programme to it, it is bmw, they are telling us that they are determined to build their plant in mexico despite the fact that ford, fiat and others have gone back on that decision. Bmw ploughing ahead with building a plant in mexico, contrary to President Elects, donald trumps, favourite policies. Youre watching Business Live. Our top story, Fiat Chrysler says it will invest 1 billion in the United States as the Detroit Motor Show gets underway. A quick look at how markets are faring. London up. Just a bit. Meaning, you know, it keeps going on and on, doesnt it . This whole record rally as it were. Very close to alltime highs. Not quite there. We have got another 30 or 40 points before we get there. For many of us, a reliable power supply is something we take for granted. We turn on the fridge or the tv and itjust works. But for many others its a very different story, the International Energy agency says 1. 2 billion people around the world do not have access to electricity. 0ne crowd Investment Platform hoping to change this is called trine. It was launched in february and with the help of 500 investors, the business has already funded eight Solar Energy Projects across sub saharan africa. Access to electricity but the company says its platform could help millions more around the world. Sam manaberi is the founder and ceo of trine. Nice to see you, sam. So next month you are a year old. Yes, thank you for having me. Just tell us about why you launched this nearly a year ago. What gave you the idea . Why you launched this nearly a year ago. What gave you the idea7m why you launched this nearly a year ago. What gave you the idea . It all started with solar and finance because financing of solar takes away the upfront cost, the burden of that. As long as you can sell solar power cheaper than competing fuels, solar will win. Where did you get the idea . Youre based in. In gothenburg. You are talking about solar energy for lots of people in sub saharan africa. Solar energy for lots of people in subsaharan africa. If you come from the side of solar financing, you see this problem, 1. 2 billion people, thats one in five people that are using kerr roe sown and diesel and you want to have a solution to that problem and if you want to fund it, crowdfunding. So where are you getting your investors from, are they Northern European investors or are they from everywhere . They are from 20 European Countries so far. We are live in all the eaa countries, here in the uk, with a licence, yeah. What kind of return are you offering . Somewhere between 596 are you offering . Somewhere between 5 and 7 currently. Are you offering . Somewhere between 596 and 7 currently. And the are you offering . Somewhere between 596 and 796 currently. And the funds are lent on to the entrepreneurs in Southern Africa . These are solar entrepreneurs that do the installation and they need Working Capital to scale their business. But what are you charging them . We charge them somewhere between 10 and 16 . Charge them somew