有没有自动抢红包的软件

一本财经APP

GUANZHUJINRONGKEJICHUANGXINDELILIANG

一本财经微信公众号

JINRONGKEJILINGYUZUIJUYINGXIANGLIXINMEITI。ZHUANZHUJINRONGKEJILINGYUDIAOCHA、SHENDU、YUANCHUANG、DUJIABAODAO,YIJISHANGYEANLIJIEXI。WOMENBUSHENGCHANSUIPIANHUAXINWEN,ZHICHUPINSHENDUERZHUANYEDEBAODAO——GUANZHUJINRONGKEJICHUANGXINDELILIANG。

聚焦陆金所赴美IPO:转型平台模式,下探90万亿规模小微信贷市场

2020-10-27
115872
分享到

LUJINSUOKONGGUZHUANXINGLUJING:GUANZHUFEICHUANTONGJINRONGJIGOUDEXIAOWEISHICHANG。

0

CHUPIN|LINGYIZHIKU

ZUOZHE|LIWEI

JINRU10YUEFENYILAI,YEJIESHIKEGUANZHUZHEMAYIKEJI、JINGDONGSHUKEYULUJINSUOKONGGUZHEI3JIADUJIAOSHOUDEZUIXINSHANGSHIJINZHAN。10YUE23RI,LUJINSUOKONGGUZAICIGENGXINDEZHAOGUSHU,PILUNIFAXING1.75YIGUMEIGUOCUNTUOGUPIAO(ADS),FAXINGQUJIANWEIMEIGU11.5-13.5MEIYUAN,YINCIGUSUANQIIPORONGZIGUIMOYUEWEI20.13-23.63YIMEIYUAN。

2020NIANBAOFADEYIQING,CUSHIYIPIJINRONGKEJIFUWUSHANGDIAOZHENGYEWUBUJU,JIANGZHONGXINCONGCDUANLINGSHOUYONGHUZHUANWEIBDUANZHONGXIAOWEIQIYE,CAIYONGKEJIFUNENGLAISHIXIANTo BBIANGE。CONGLUJINSUOKONGGUPILUDEZHAOGUSHULAIKAN,XINDAIYONGHUJINQICHENGJUNLAIYUANYUXIAOWEIKEHUQUNTI。TUOZHANBDUANXIAOWEIXINDAISHICHANGWEIQISHUNLISHANGSHI,DAXIALEJIANSHIDEJICHU。ZHAOGUSHUXIANSHI,LUJINSUOKONGGUDEFAZHANDINGWEIWEI“XIAOWEIXINDAI+CAIFUGUANLI”FUWUTIXI,JINLIANGNIANYEZAIJIASUTUIJINZHANLVEZHUANXING。

ZAIFUWUBDUANXIAOWEISHICHANGDEJINGJIZHONG,LUJINSUOKONGGUDEJINGZHENGYOUSHIRUHETIXIAN?XIANSHANGPINGTAISHIFOUYANXUWENDINGDEGAOLIULIANG?SHANGYEMOSHISHENGTAINENGFOUFAHUIGENGDAJIAZHI?BENWENJIANGJINXINGXITONGPOUXI,CONGDUOSHIJIAOGUANCHAQIZONGHEJINGZHENGLI。

一、客群定位差异化:小微信贷注重“高额度”,财富管理强调“高净值”

JUZHAOGUSHUPILU,LUJINSUOKONGGUZI2011NIAN9YUECHENGLIZHIRIQI,DUOCIJINXINGZIGONGSIDEYOUHUAZHONGZU,ZAIZHONGGUOXIANGGANG、XINJIAPODENGDIJINXINGGUOJISHICHANGBUJU。MUQIAN,ZHUYINGYEWUWEI2DABANKUAI:QIYISHILINGSHOUXINDAI,HANGAIXIAOWEIXINDAIYUXIAOFEIJINRONGYEWU,JIYU“PINGANPUHUI”ZHANKAI;QIERSHICAIFUGUANLI,JIYU“LUJINSUO”ZHANKAI。

TU1:LUJINSUOKONGGULIANGDAYEWUTIAOXIANDEJINGNEIWAIBUJUQINGKUANG

1

ZILIAOLAIYUAN:LUJINSUOKONGGUGONGKAIXINXI,LINGYIZHIKUZHITU

CONGSHANGSHISHIJIANBIAOLAIKAN,LUJINSUOKONGGUHUOJIANGCHAOYUEMAYIKEJI、JINGDONGSHUKE,CHENGWEI2020NIANLVXIANDENGLUZIBENSHICHANGDEDUJIAOSHOUJUTOU。GENJUMEIGUOSHANGSHIDEYIBANLIUCHENG,GONGBUDINGJIAQUJIANHOU,11YUEQIANHOULUJINSUOKONGGUYUJIJIANGDENGLUZIBENSHICHANG。DUIBIERYAN,GUONEISHANGSHIGUAPAIJIAOYILIUCHENGXUYAODENGJIAOYISUOTONGZHI,YINCILUJINSUOKONGGUYOUKENENGLVXIANSHANGSHI。

ZAIMUBIAOKEQUNDINGWEISHANG,TAYUMAYIKEJI、JINGDONGSHUKEDENGHULIANWANGJUTOUYOUSUOBUTONG。CONGGUDONGJIYINLAIKAN,LUJINSUOKONGGUDEBEIHOUSHIPINGANJITUAN,SHUYUCHUANTONGJINRONGJIGOU,ZAILICAIDUANYUXINDAIDUANDEGUIMOTILIANGDA;ERYIBATJWEISHOUDEHULIANWANGJUTOU,YI90HOU、00HOUNIANQINGKEQUNWEIZHU,JINRONGKEJIFUNENGDETEDIANZAIYUJIEJUEDISHOURUQUNTIDELICAIYUXINDAIXUQIU,YINCILUJINSUOKONGGUDEJINGYINGMOSHIYUHUJINJUTOUCUNZAIMINGXIANDECHAYIHUATEZHENG。

CONGXIAOWEIQIYEKEQUNLAIKAN,LUJINSUOKONGGUZHUZHONG“GAOEDU”,ZAIHUJUNDAIKUANEDU、DAIKUANQIXIANDENGFANGMIAN,YUHULIANWANGBEIJINGDEDUJIAOSHOUJUTOUCHAYIMINGXIAN。XIAMIANJIANGLUJINSUOKONGGUYUMAYIKEJIDEXIAOWEIXINDAICHANPINJINXINGJIANYAODUIBI,KEYIKANCHU,LUJINSUOKONGGUGENGPIANXIANGFAZHANJIAODAEDU、ZHONGZHANGQIDEDAIKUANPINZHONG,ZHONGDUOSHITIQIYEZAIJINGYINGZHONGYEGENGKEQIUZHEILEIDAIKUANCHANPIN,TABUTONGYUHULIANWANGPINGTAIDEXIAOEDUANQIXINDAIMOSHI。

BIAO1:LUJINSUOKONGGUYUMAYIKEJIDEXIAOWEIXINDAICHANPINDUIBI

2

ZILIAOLAIYUAN:ZHAOGUSHUGONGKAISHUJU,LINGYIZHIKUZHENGLI

CONGCAIFUGUANLIKEQUNLAIKAN,LUJINSUOKONGGUQIANGDIAO“GAOJINGZHI”。ZHAOGUSHUPILU,LUJINSUOKONGGUZHUYAOFUWUDESHIGAOJINGZHI、ZHONGCHANJIECENG,PINGTAISHANGYUEYOU75%DEKEHU,TOUZIECHAOGUO30WANYUANRENMINBI(42462MEIYUAN),ZHEIXIEKEHUZHONGYUEYOU88%SHIYONGLEZONGHEZHANGHUGONGNENGZHONGDEYIXIANGHUODUOXIANG。TONGGUOYU429JIAJIGOUCHANPINTIGONGSHANGJIANLILIANXI,XIANG1280WANHUOYUETOUZIZHETIGONGYUE8600ZHONGCAIFUGUANLICHANPIN。YOUCIKEJIAN,LUJINSUOKONGGUBUTONGYUMAYIDE“YUEBAO”、TENGXUNDE“LINGQIANTONG”DENGXIANQIANLICAIMOSHI。

二、普惠金融导向:近七成用户来自小微企业,投向实体经济

JIANYULUJINSUOKONGGUDEBACHENGSHOURULAIYUANYUXINDAIFUWU,BINGZHONGDIANFAZHANXIAOWEIQIYE、FUWUSHITIJINGJI,TIXIANCHUPUHUIJINRONGDEJINGYINGLUOJI。YINCI,LINGYIZHIKUZHONGDIANPOUXIQIXIAOWEIXINDAIYEWUQINGKUANG。

CONGXIAOWEIXINDAIDEYEWUFANCHOULAIKAN,LUJINSUOKONGGUDINGYIDEMUBIAOKEQUNSHIFOUZHENZHENGSHUYUXIAOXINGWEIXINGQIYE?LINGYIZHIKUFANYUEZHAOGUSHU,ZHAODAOLUJINSUOKONGGUJICHUDEXIAOWEIQIYEYUXIAOXINGQIYE2LEIKEQUNDINGWEI:

YISHIXIAOWEIQIYE。ZHAOGUSHUTICHU“DAIKUANYEWUYONGHUSHUDADAO1340WAN,QIZHONGYUANGONGSHAOYU30RENQIENIANSHOURUDIYU500WANDEXIAOWEIQIYEZHANDAOLE69%”;

ERSHIXIAOXINGQIYE。TASHIZHINIANSHOURUDIYU2000WANYUANRENMINBI(300WANMEIYUAN)DEQIYE。CONGZHEIYIDINGYILAIKAN,LUJINSUOKONGGURENDINGDEXIAOWEIXINDAIKEQUNDINGWEIYUQITAHULIANWANGPINGTAIDECHAYIHUATEZHENGGENGWEIMINGXIAN。

CONGLUJINSUOKONGGUDELEIJIJIEKUANRENSHULAIKAN,CONG2017NIANDE750WANRENZENGZHANGZHI2020NIANSHANGBANNIANDE4470WANREN,SHIXIANLEGAOZENGSUZENGZHANG。TONGSHI,JIEKUANYONGHUSHUZAILEIJIZHUCEYONGHUSHUZHONGDEZHANBIYEZHUNIANTISHENG,JIEZHI2020NIANSHANGBANNIAN,DADAOLE29.98%。

TU2:LUJINSUOKONGGUDELEIJIJIEKUANRENSHU、ZHUCEYONGHUSHUFAZHANQINGKUANG(DANWEI:WANREN)

3

ZILIAOLAIYUAN:ZHAOGUSHUOMINGSHU,LINGYIZHIKUZHITU

CONGXIAOWEIQIYEDEYONGHULIANGLAIKAN,ANZHAOJIEKUANYONGHUDE69%ZHEIYIBILICESUAN,LUJINSUOKONGGUDEXIAOWEIQIYEJIEKUANYONGHUDADAO924.6WAN。TONGSHI,LUJINSUOKONGGUDELINGSHOUXINDAIBIANLIHUAYEWUZAIYEWUGUIMOSHANG,YEZHUNIANTISHENG。JIEZHI2020NIANSHANGBANNIAN,DAIKUANYUEDADAO5194YIYUAN,XINZENGDAIKUANLIANGDADAO2845YIYUAN。

2020NIANYIQINGBAOFAHOU,ZHONGDUOJINRONGKEJIFUWUSHANGYEZHUANWEITUOZHANBDUANXIAOWEISHITIQIYEDECHUNXIANSHANGXINDAI,LUJINSUOKONGGUQIXIADEPINGANPUHUIYITUO15NIANXINDAIJINGYAN,ZAIFUWUXIAOWEIXINDAIFANGMIANGENGJUXIANFAYOUSHI,ZIJINTOUXIANGLINGSHOU、PIFA、ZHIZAOYE、JIANZHUYEHEFUWUYEDENGZHONGDUOLINGYU。

三、非传统金融机构的小微市场:信贷To B的陆金所控股转型路径

ZHONGGUOLINGSHOUXINDAISHICHANGDEFUWUZHUTIBAOKUOLIANGLEI,DIYILEISHICHUANTONGJINRONGJIGOU,ZHUYAOBAOKUOYINXING、JINRONGZULIN、SHANGYEBAOLI、XIAOFEIJINRONGHEXIAOEDAIKUANGONGSI;DIERLEISHIFEICHUANTONGJINRONGFUWUTIGONGSHANG,ZHUYAOBAOKUOJINRONGKEJIGONGSI、CHUNZAIXIANDETechFinGONGSIHEZAIXIANDAIKUANPINGTAI。QIZHONG,LUJINSUOKONGGUSHUYUFEICHUANTONGJINRONGJIGOU,ZUOWEIPINGANJITUANQIXIADEDUJIAOSHOUJUTOUZHIYI,JINLIANGNIANBANSUIZHEJIANGUANBUMENDUIYUJINRONGKEJIDE“QIANGJIANGUAN”,JIASUKEJIYANFAYUZHANLVEZHUANXING。

XIAOWEIJINRONGFUWUSHUYUJIANGUANGULIDEFAZHANLINGYU,YENENGGOUYUCHUANTONGJINRONGJIGOUXINGCHENGCUOWEIJINGZHENG,YINCILUJINSUOKONGGUQIXIADEPINGANPUHUIJIANGXINDAIZIYUANZHUYAOTOUXIANGXIAOWEIQIYEQUNTI,CHIXUTISHENGSHICHANGZHANYOULV。ZHAOGUSHUYINYONGLE《AOWEIZIXUN》BAOGAODEXIASHULIANGZUSHUJU,KEJIANLUJINSUOKONGGUZAIFEICHUANTONGJINRONGJIGOUZHIZHONG,LINGSHOUXINDAIYUXIAOQIYEDAIKUANLIANGXIANGGUIMOZHIBIAOJUNPAIMINGDIER,ZHANJULINGXIANDESHICHANGFENE:

BIAO 2:FEICHUANTONGJINRONGFUWUTIGONGSHANG——LINGSHOUXINDAISHICHANGZHONGPAIMINGQIAN5WEI

4

ZILIAOLAIYUAN:ZHAOGUSHUOMINGSHU

BIAO 3:FEICHUANTONGJINRONGFUWUTIGONGSHANG——XIAOQIYEDAIKUANSHICHANGZHONGPAIMINGQIAN5WEI

5

ZILIAOLAIYUAN:ZHAOGUSHUOMINGSHU

JUTIDAOLUJINSUOKONGGUDEXINDAICHANPINLEIXING,ZHUYAOBAOKUOYOUDIYADAIKUANHEWUDIYADAIKUANLIANGLEI。ZHAOGUSHUTICHU:“YOUDANBAODAIKUANDEDIANXINGJIEKUANRENSHIJIANGDAIKUANSHOUYIYONGYUQIYEYUNYINGDEXIAOQIYEZHU;YIBANWUDIYADAIKUANDEJIEKUANRENJIBAOKUOXIAOQIYEZHU,YEBAOKUOSHIYONGDAIKUANSHOUYIJINXINGSHANGYEHUODONGHUOGERENXIAOFEIDESHOUXINGONGREN。XINYONGPINGGUJIYUSHOUXINGONGRENDEGERENSHUJU、XIAOQIYEZHUDEGERENHEQIYESHUJUDEZUHE,YIJIYOUDIYADAIKUANJIEKUANREN(JIHUDOUSHIXIAOQIYEZHU)DEDIYAPINTEZHENG。JIBENSHANGSUOYOUDIYAPINDOUSHIZHUZHAIWUYE”。

YOUCIKEJIAN,LUJINSUOKONGGUQIXIADEPINGANPUHUIKAIZHANDEXIANSHANGDAIKUANYEWU,HANGAILECDUANXIAOFEIJINRONGYUBDUANXIAOWEIXINDAI2XIANGYEWU。2020NIANYIQINGBAOFAHOU,LUJINSUOKONGGUZHONGDIANTOUXIANGXIAOWEIQIYEDAIKUANYEWU。

BIAO4:LUJINSUOKONGGUDELIANGLEIDAIKUANCHANPINJIESHAO

6

ZILIAOLAIYUAN:ZHAOGUSHUOMINGSHU,LINGYIZHIKUZHENGLI

四、待挖掘的金矿:“无接触”模式推动小微信贷与财富管理发展

XIAOWEIXINDAISHICHANGBEISHIWEIDAIWAJUEDEJINKUANG,JINGGUOBENCIYIQINGDEXILI,YEJIESHENKEYISHIDAOZHEIYILINGYUDEJUDAFAZHANQIANLI,QIZHONGYUNHANZHEZHONGDUOYOUZHIKEHU。ZHAOGUSHUYINYONGLE《AOWEIZIXUN》BAOGAODELIANGZUSHUJU,KEJIANFAZHANQIANJINGGUANGKUO,YOUQISHICONGSHICHANGGUIMOLAIKAN,YUJIXUQIUZONGLIANGJIN90WANYI:

2019NIANZHONGGUOXIAOQIYEDAIKUANDEWEICHANGYUEDADAO43.1WANYIYUANRENMINBI(6.1WANYIMEIYUAN),2014NIANZHI2019NIANDEWUNIANFUHEZENGZHANGLVWEI14.3%,YUJI2024NIANJIANGZENGZHANGZHI76.6WANYIYUANRENMINBI,WUNIANFUHENIANZENGZHANGLVWEI12.2%。

XIANGBIZHIXIA,2019NIANDUIXIAOQIYEDAIKUANDEZONGXUQIUGUJIWEI89.7WANYIYUANRENMINBI(12.7WANYIMEIYUAN),BIAOMINGYUE52%DEXUQIU(JI46.6WANYIYUANRENMINBI)RENGWEIHUODEMANZU。DAO2024NIAN,CILEIWEIMANZUDEXUQIUYUJIJIANGDADAORENMINBI50.0WANYIYUAN。

CIWAI,ZAIJINRONGZHENGCEZHICHISHANG,2020NIANWOGUODUOCIGULIFAZHANXINYONGDAI、SHOUDAI、WUHAIBENXUDAIDENGXIAOWEIJINRONGCHANPIN,TONGSHI《ZHENGFUGONGZUOBAOGAO》GUIDINGGUOYOUDAXINGPUHUIXINGXIAOWEIQIYEDAIKUANZENGSUYAOGAOYU40%。YIXILIEJUCUOJUNZHIXIANGFUCHIXIAOWEISHITIQIYE,YOUQISHIYANGXINGZAI6YUEFENCHUANGSHE“ZHIDASHITIJINGJI”DELIANGGECHUANGXINHUOBIZHENGCEGONGJU——PUHUIXIAOWEIQIYEDAIKUANYANQIZHICHIGONGJUHEPUHUIXIAOWEIQIYEXINYONGDAIKUANZHICHIJIHUA,YUSHIZHEWEILAILIANGSANNIANWOGUOXIAOWEIXINDAIYEWUJIANGCHENGWEIJIANGUANZHONGDIANKAOHELINGYU。SHANGYEYINXINGMIANDUIXIADADEXIAOWEIXINDAIZENGZHANGZHIBIAO,SHIBIJIAQIANGYUTOUBUJINRONGKEJIGONGSIDEHEZUO,ZHEIYILINGYUJIANGYINGLAIJUDAFAZHANSHANGJI。

ZONGHELAIKAN,SHENCHUHOUYIQINGSHIQI,“WUJIECHU”MOSHIDUIYUJINRONGYEWUDEJUDABIANGEZAIYUXIAOWEIXINDAIYUCAIFUGUANLILIANGGEFANGMIAN,ERLUJINSUOKONGGUDEZHUYINGYEWUQIAQIASHIZHEI2DAYEWUTIAOXIAN。JIEZHUPINGANJITUANDEZIYUANBINGFUYOUSHI,LUJINSUOKONGGUGOUJIANCHURIYIWANSHANDE“KAIFANGPINGTAI”,YOUQISHICAIFUGUANLIYEWU,GENGNENGTUXIANPINGANJITUANZUOWEICHUANTONGJINRONGJIGOUDEXIANTIANYOUSHI,TONGGUOJITUANNEIBUDEYEWUXIETONGXIAOYING,LUJINSUOKONGGUDELICAIDUANCHANPINHANGAILEYINXING、BAOXIAN、XINTUO、ZIGUANYUJIJINDENGLINGYU,TIXIANLEKAIFANGAPI、KUAJIEHEZUODEHULIANWANGSIWEI。TONGSHI,TONGGUOCHIXUDEKEJIYANFATOURU,LUJINSUOKONGGUJIASUSHANGYEMOSHICHUANGXIN,MUQIANTAYIJINGXINGCHENGLE“XIAOWEIXINDAI+CAIFUGUANLI”DEZONGHEXINGJINRONGSHENGTAITIXI。

五、小结

ZOUTo BLUXIAN,XIANGBDUANXIAOWEIQIYETIGONGXINDAIZHICHI,TIXIANCHULUJINSUOKONGGUJIANXINGPUHUIJINRONGLINIAN、FUCHISHITIJINGJIDEZHANLVEDINGWEI。TOUGUOLUJINSUOKONGGUDEZHAOGUSHU,YEJIEKANDAOQIZHANXIANDE“KAIFANGPINGTAI”ZHEIZHONGQUANQIULINGXIANDESHANGYEMOSHI。MUQIAN,JIEZHUQIXIADEPINGANPUHUI,TADEXINDAIKEHUJINQICHENGJUNWEIXIAOWEIQIYE,TIXIANCHUSHENGENGYUXIAOWEIJINRONGYETAIDEZHUANXINGJUEXIN。

ZAIZHENGTIYEWUBUJUSHANG,LUJINSUOKONGGUCHENGXIANCHU“XIAOWEIXINDAI+CAIFUGUANLI”XIANGJIEHEDEXINXINGYETAI。JIEZHUPINGANJITUANDEZIYUANYOUSHI,LUJINSUOKONGGUXINGCHENGLEQUBIEHULIANWANGJUTOUDECHAYIHUADINGWEI,JIXIAOWEIXINDAIPIANZHONG“GAOEDU”,CAIFUGUANLIZHUZHONG“GAOJINGZHI”,DUTEDEKEQUNDINGWEISHIQIZHANLVEZHUANXINGLUJINGGENGMINGXI。JIJIANGFUMEIIPODELUJINSUOKONGGU,TADEKEJIZHUANXINGLUJINGHUONENGWEIQITAJINRONGKEJIGONGSIDAILAIQIDI。

推荐文章

ZHENYUNCHUANGTOUHEHUORENZHUXIAOCHENGQUERENCHUXI“2020QINGDAOXINJINRONGCHANYEGAOFENGLUNTAN”

YINGNUOCHUANGXINKONGJIANCHUANGSHIHEHUORENLIZHANGLINQUERENCHUXI“2020QINGDAOXINJINRONGCHANYEGAOFENGLUNTAN”

BEIJINGLUOGESHUJUKEJIYOUXIANGONGSIGAOJIFUZONGCAI,LUOGEYANJIUYUANYUANZHANGPENGQILEIQUERENCHUXI“2020QINGDAOXINJINRONGCHANYEGAOFENGLUNTAN”

LIANHERONGHUIJITUANDONGSHIZHANGYIHUIQUERENCHUXI“2020QINGDAOXINJINRONGCHANYEGAOFENGLUNTAN”

FAHAIFENGKONGCHUANGSHIRENGAOQIANGQUERENCHUXI“2020QINGDAOXINJINRONGCHANYEGAOFENGLUNTAN”

var _hmt = _hmt || []; (function() { var hm = document.createElement("script"); hm.src = "https://hm.baidu.com/hm.js?78ebdacae9da971faf025645ab77d367"; var s = document.getElementsByTagName("script")[0]; s.parentNode.insertBefore(hm, s); })();