Civil / Hu Qing of times finance and economics if
Continuously after deficit is old, be located in surely " financial supermarket " 360 groups division issues be in harmony Jian Puke ability (NYSE: JT) the outstanding achievement of one quarterly reports that the near future hands over still is recorded completely deficit, but deficit specified number relatively go up to already closed apparently first quarter narrow.
Brief general science and technology released one quarterly reports to show recently, this platform realized business income first quarter 2018 335.7 million yuan, increase compared to the same period 145% ; The service recommends fee income amount 289.3 million yuan, increase compared to the same period 131% , 86.2% what occupy battalion to receive total about; Net loss caustic 57.1 million yuan, annulus comparing is cut 79.3 million yuan.
Borrow platform to differ with most net, 360 gain origin basically has be in harmony all directions face: It is to finance the orgnaization recommends a client, collection recommends charge; 2 it is to match trade, help user completes loan, collection part commission; The 3 advertisement that are financial orgnaization are expended; 4 it is the fare that offers risk management.
The report shows, its service recommends cost amount first quarter 289.3 million yuan, 86.2% what occupy battalion to close about, with 125.2 million yuan of photographs of the corresponding period were compared last year, increase 131% . That is to say, at present 360 battalion receive be in harmony to basically still originate pattern of the first profit.
Specific and character, the service recommends cost component to recommend service fee, credit card to recommend a service to expend two chunk for loan. Service respect is recommended in loan, amount of platform loan application is achieved first quarter 12.1 million, relatively annual increased last year 21% . And loan of average per capita applies for to serve cost also from last year 10.93 yuan of RMBs of the corresponding period, add to 13.27 yuan of RMBs, grow 21.4% compared to the same period.
Service respect is recommended in credit card, credit card recommends service revenue to be 129.2 million yuan first quarter, grow 718% compared to the same period. In the meantime, credit card of average per capita expenses rises 77.33 yuan of the corresponding period from last year reach 97.15 yuan, increase compared to the same period 25.6% .
Nevertheless, one of quarter outstanding achievement still are recorded completely deficit specified number 57.1 million yuan, increase compared to the same period 80.7% , but with on first quarter (namely the four seasons was spent 2017) annulus comparing is cut 79.3 million yuan.
Times finance and economics combs discovery, charge of its market sale occupies the proportion of total outlay to be as high as 75% first quarter, can see, of deficit advocate because depend on the market sale, cost that win a customer as before,wait for a respect.
Xie Daqing of 360CEO of be in harmony ever expressed for many times, company loss reason basically is to enlarge user dimensions. And deficit is temporary only, the company has gain capacity, loss rate is falling substantially, predict last quarter will achieve balance of profit and loss 2018.
When senior analyst Chen Maochuan is accepting times finance and economics to interview, easy view expresses, look from cost structure, market sale is its largest cost expenses, the photograph is cutter than the market sale cost that the four seasons spent last year, recommending service revenue still is his main income source, but occupy drop than be in. "Controlling the sale cost and administrative cost, circumstance that increases technical investment to fall appropriately, the profit and loss of four quarters implementation this year is possible evenly. The profit and loss of four quarters implementation this year is possible evenly..
In fact, recommending a service to expend the profit pattern that give priority to to fall, trade to match increase battalion to close, be in harmony 360 increase market sale expenditure ceaselessly all the time.
"To it similar platform is leasehold platform or other finance orgnaization guides discharge, assuming face foremost end directly the function of the user, because its largest this resource dominant position depends on,carry client market to financing have. This kind of platform is particularly at present much, and be in growing phase, consequently market of race to control especially important, even if be sacrifice one share profit, " Chen Maochuan tells a times finance and economics, actually from be in harmony the sale cost abnormal of 360 is tall also can see, it is to depend on market of race to control, internet all through the ages is to have discharge to have profit again first, this plants early days with " strategical deficit " get flow fact to belong to normal.
Occupy the personage inside course of study to divulge, for the need of market dilate, this kind of platform needs to increase sale cost ceaselessly, investor is right of platform trade amount and user number also have a demand, this is aided at better financing.
Current, in each other Jin Jiang is superintended under, the net borrows platform to return to information to serve intermediary essence gradually. The platform of 360 adds similar be in harmony gradually, of competition coessential change a phenomenon to also be met all the more is serious.
Chen Maochuan expresses, "Strategical deficit " getting flow is short-term inside most significant step and tool, but cannot abiding, after all an enterprise should be obtained manage continuously should have profit necessarily. To avoid coessential change win a customer, must increase the new technology such as big data to throw.
Finance and economics of times of times finance and economics sets out from business news, the seasonable and external capital that reports a business is dynamic, person emergency bureau and mode are unscrambled, provide valuable referenced information for business person.
