Beijing time on May 17, happy letter of China's banner company of financial science and technology (NASDAQ: LX) release 2019 1 quarter the financial outstanding achievement without audit. Profit from has an insight into to promote with service ability definitely to the essence of demand of new spending crowd, reach financial science and technology to last the technical barrier that high investment forms industry to precede, since happy letter battalion closes to appear on the market oneself successive 6 quarters present double digit to grow. 2019 1 quarter, happy letter battalion receives 2 billion yuan (RMB, similarly hereinafter) , grow 22 ％ compared to the same period; Management gross profit 907 million, grow 101 ％ compared to the same period; Below standard of accounting of blame United States (Non-GAAP) the profit before interest duty 742 million, grow 197 ％ compared to the same period; Net profit 583 million, grow 228 ％ compared to the same period.
Up to 2019 1 quarter, happy letter user is achieved 42.2 million, grow 59.6 ％ compared to the same period; 1 quarter, amount of happy letter facilitating loan 20.1 billion, grow 35.6 ％ compared to the same period; In lend remaining sum 35 billion, grow 64.7 ％ compared to the same period; Property performance keeps stable, rate of exceed the time limit is 1.42 ％ .
Income of financial science and technology still is the part with happy letter the rapiddest growth. 2019 1 quarter, the income of financial science and technology that Lexin serves through be orgnaization of of all kinds finance and gains is achieved 911 million, a quarter is adjacent last year the half of annual, grow compared to the same period be as high as 342 ％ . Additional, 1 quarter, in installment happy store GMV is amounted to 1.7 billion, grow 41.8 ％ compared to the same period, it is 5 times of amplitude of total volume of retail sales of society of the corresponding period, it is 2 times of amplitude of turnover of the commodity on countrywide objective net.
Xiao Wenjie of happy letter CEO expresses, "Income of financial science and technology makes happy letter source of the biggest income, happy letter has this profit from the ability of financial science and technology with banner industry, realized AI the earliest to be used in the overall business on each business chain. Capital of the system of intelligent risk management that relies on happy letter, intelligence is matched match capacity, happy letter will join more golden confluence make associate continuously, serve the new spending of new crowd jointly. Serve the new spending of new crowd jointly..
Xiao Wenjie expresses, "As 90, 95 epigenesis consume a crowd for Chinese mainstream, consumptive structure of China will upgrade quickly, greet period of a new spending. Consumptive demand of the youth is the core power that prospective China economy grows. To serve the consumptive demand that the youth changes ceaselessly better, happy this year letter formulates new strategy, on line ' Le Ka ' wait for rights and interests kind product, prospective general around new spending, in layout of development of rights and interests of consumptive setting, consumption and consumptive finance side. In layout of development of rights and interests of consumptive setting, consumption and consumptive finance side..
3 large dominant positions continue new spending of aggrandizement hair force
1 quarter, happy letter is attendant the 3 large dominant positions of science and technology of scene, finance and respect of diversity capital channel are strengthened continuously.
In setting advantage respect, money newspaper shows, below Le Xinqi in installment happy store gets of more and young tall growing user love. 1 quarter, in installment happy store user is broken through first 40 million; Store business growth is driving, GMV grows more than 40 ％ compared to the same period. As the country underlying thread shops in installment the forerunner of the store, in installment happy had had at present go to dress beauty from 3C number makeup wait for category of more than 10 merchandise, enclothed China in the round of high grade fast growing crowd consume need in installment. tripartite counts the investigation report that according to the research organization moxa intermediary seeks advice from to was released 2018 to show, in installment happy already became 90 hind the first selection platform that consumes in installment.
The operation that is based on the past to consume setting in installment to young user for years and hold, lexin puts forward this year around " new crowd, new requirement, new way " , from setting, finance and rights and interests 3 general orientation develop overall arrangement. 1 quarter, happy letter rolled out brand-new consumable card " Le Ka " . Le Ka is the rights and interests that a service lives at youth character kind consume platform, the line on the line that centered youth place to be fond of issues rights and interests of of all kinds and high grade consumption, the user is OK at any time and place free enjoys the privilege such as member discount, exalted service. Business of member paying fee " happy black card " also gain revolutionary headway, at present this permeability in serving active in happy letter user already exceeded 20 ％ .
Can foreknow, as 95 hind, 00 hind the young consumption group that is a delegate rises abruptly, chinese society is right character kind consume and serve kind of consumption to occupy than ceaseless promotion, credit consumes the main trend that already made a youth to consume kind, large quantities of one companies that serve new spending will welcome strategic opportunity period.
Technical investment increases AI to served each chain application to build banner technology camp in finance continuously
The science and technology that increases ceaselessly is devoted, continuously aggrandizement the advantage of financial science and technology of happy letter, compose erected banner technical barrier, for income promotion brings acceleration. 2019 1 quarter, investment of happy letter research and development is amounted to 93.8 million, than last year 68.1 million increase the corresponding period 37.8 ％ , expenses of Zhan Lexin operation exceeds 25 ％ . In appear on the market in enterprise of financial science and technology, personnel of devoted strength, research and development takes science and technology of happy letter finance than, all be in lead position.
Regard the financial science and technology that develops with AI drive as platform, happy letter changes wisdom to finance in the round in recent years, already accused in wind, asset is matched and the respect such as customer service operation uses artificial intelligence technology in the round, partner of banking of great help happy letter joins more businesslikely more consumer.
Adopt big data and AI technique, happy letter is recommended in commodity, wind accuses and operation respect promoted efficiency in the round, reduced risk cost. Current, happy letter is in intricate network, receive goods address clustering, LBS information clustering, the multinomial machine such as check of acoustic quality of analysis of user action series, public feelings analysis, language learns application, certain room industry is banner level.
Current, wind of happy letter intelligence accuses engine " accipitral eye " rate of order automation examine and verify achieves 98 ％ , platform of technology of processing of capital of huge small small finance " bug hole " financing matchs successful rate to achieve 93 ％ , at the same time long-term control is in the risk the industry is best level. 1 quarter, happy letter the fraction defective of 90 days of above is 1.42 ％ .
The ability of financial science and technology of profit from happy letter, lexin enlarged financial partner amount further, increased cooperative limits and strength. On April 18, firm of banking of state-owned and large bank, insurance company, consumption signed tens of homes such as bank of happy letter and industrial and commercial bank, the people's livelihood strategic cooperation agreement, cooperative content covered the many fields such as sale of financial science and technology, intelligence. Current, the golden confluence of happy letter makes companionate amount already exceeded 100, 1 quarter, what 70 ％ exceed on happy letter platform is new add loan to come from financial orgnaization.
