Civil | Dong Yunfeng
Famous degree of general P2P platform and credit are about to appear on the market in the beauty, stealthily.
This company releases book of raise capital by floating shares before today in National Day golden week, perfect escape the fastigium that medium pays close attention to, up to now its appear on the market the message did not cause how many attention. If do not have an accident, with credit place is reached in button stealthily before probable end of this month or Nasidake hangs out his shingle.
Appear on the market this, draft financing with credit 80 million dollar, stock code " HX " . With early before those who appear on the market is delightful borrow, believe and rich, and the interesting inn that is about to appear on the market likewise is similar, they hold high the old standard that consumes finance.
In domestic P2P industry, pat pat borrow, the net that light fuse, everybody is borrowed the message that early came out to appear on the market in the beauty, still did not fall up to now calm, and silent all the time with credit, carry off this accidentally however first machine, be about to become the 3rd P2P platform that appears on the market in the beauty.
Photograph comparing and credit, its parent company and letter are relatively famous, he Yixin is similar, this company basically does development of the loan below the line and money management business. With delightful borrow similar, with credit it is the online business platform with letter group, by with the letter the group provides support of the capital below the line.
Till this year first half of the year, with credit clinch a deal the quantity is less than 10 billion RMB, borrower and investor dimensions are mixed for 56 thousand person respectively 110 thousand person, sheet is measured with body and character, its do not lean inside P2P course of study before.
In view of more similar background and business mode, and lesser system capacity, might as well will confuse you with credit assimilate to edition is delightful borrow.
But it is a such platform, will appear on the market.
Book of scan raise capital by floating shares, a list of names posted up of Ya of new finance Lang discovered a few significant detail.
Is 1 appraise worth 1.5 billion dollar?
Last year October, the strategy is held to upgrade in Beijing with credit news briefing, announce to obtain B annulus financing, two companies of American that invest fund and LongHarvest fund for Dragongate by the name invest 30 million dollar.
In book of raise capital by floating shares, are these two fund occupied after all how much to compare?
In was being used with credit without exception commonly used VIE structure, appear on the market main body is and credit opens graceful firm, this company was controlled through VIE agreement with company of letter electron business affairs, regard the operation of churchyard as main body by latter.
Time axis is as follows:
On April 25, 2016, opening graceful archipelago to register with finance company hold water, register capital 50 thousand dollar, share 500 million, every share price is worth 0.0001 dollars. With day, with finance company Xiang Hexin accuses (Hexin Holding Limited) issue 8000, case of every share price 0.0001 dollars, to valence 0.8 dollars; At the same time Xiang Anhe accuses (AnHe Holding Limited) with 0.0001 dollars / issue 2000, to valence 0.2 dollars.
On November 1, 2016, accuse with the price Xiang Hexin of 0.0001 dollars again with finance company issued 71952, add newly register capital 7.2 dollars; Xiang Anhe accuses add with same price send 17988, to valence 1.8 dollars; Additional extroversion Velencia Holdings Limited is added send 5260, to valence 0.53 dollars.
Controlled on December 10, 2016, be issued to Long Harvest Fund Management LLC with finance company and sold 1052, case of every share price 950.57 dollars, it is 1 million dollar to valence; Be registered to Dragon Gate Investment Partners Limited at the same time and issue 1052, case of every share price 950.57 dollars, to valence 1 million dollar.
On September 5, 2017, to optimize capital structure, was the same as scale to undertake adding sending to all partner with the price of 0.0001 dollars with credit: Xiang Hexin accuses add send 31.9 million, to valence 3190 dollars; Xiang Anhe accuses add send seven million nine hundred and seventy-five thousand two hundred, to valence 797.52 dollars; Add to Velencia Holdings Limited send two million and ninety-eight thousand seven hundred, to valence 209.87 dollars; Add to Long Harvest Fund Management LLC send four hundred and nineteen thousand seven hundred, to valence 41.97 dollars; Add to Dragon Gate Investment Partners Limited send four hundred and nineteen thousand seven hundred, to valence 41.97 dollars.
After be being run through afore-mentioned capital, current, by with letter author complete pilot and letter accuse An Xiaobo, hold and credit open the equity of 74.5 ％ of graceful company, by An Xiaoning complete pilot is installed and accuse a hold and credit to open the equity of 18.6 ％ of graceful company, both is aggregate hold a scale to be 93.1 ％ . A Velencia Holdings hold that ceases without any open letter the equity of 4.9 ％ , and of Long Harvest Fund Management LLC and Dragon Gate Investment occupy than all be 1 ％ .
This that is to say, if mix,afore-mentioned financing messages belong to credit solid, with 30 million dollar, aggregate of 2 ％ hold a scale computation, criterion this company B annulus financing appraise value achieves 1.5 billion U.S. dollor, it is advisable to make an appointment with the in part that the person borrows dimensions of newest market prise.
The press release that issues at that time with credit shows, fund of Dragon Gate investment is a technical assistance in endowment the orgnaization enters global capital market, the Chinese company compose that appears on the market to had been in the United States builds the finance that investor concerns to serve a company; Fund of another contributive square Long Harvest grows high potential of dedicated investment, high the orgnaization of sexual innovation enterprise.
2 city are filled with lead 174 times?
Basis and credit officer net, so far, this platform clinchs a deal total amount exceeds 14.4 billion yuan, its just broke through 10 billion yuan to close greatly first in March till this year.
Close in battalion, be in up to this one money March 31, 2017 year, with credit implementation battalion closes for 22.9 million dollar, grow 92.7 ％ compared to the same period; Be in up to June 30, 2017 this first quarter, its battalion closes for 15.1 million dollar, on prep above year the 3.9 million dollar of the corresponding period, compared to the same period amplitude 286.7 ％ .
On gain, be in up to this one money March 31, 2017 year, realize net profit with credit 8.6 million dollar, grow 142.2 ％ compared to the same period. In up to mixed on June 30, 2016 in two quarters June 30, 2017, its net profit is mixed for 1.3 million dollar respectively 8.9 million dollar.
whole, showed with credit " small and beautiful " feature, dimensions is not dominant, but growth is driving, and implementing scale turn profit.
Nevertheless, according to the appraise value of 1.5 billion dollar, end on March 31, 2017 this one money year gain of 8.6 million dollar, its city is filled with rate achieved 174 times, and delightful borrow current dynamic city to be filled with had not led 14.88 times.
In consume finance at present especially the competitive height that cash borrows is coessential change and turn white-hot, and superintend a manner tend severe setting falls, can you still perform with credit delightful the story of borrowed outstanding achievement hurricane?
It is good to make profit to appearing on the market with credit is, delightful borrow near future share price to achieve the history again new tall, believe and rich share price soares after torpid half an year.
Still having a detail is, with credit probable it is the first received Yin Lianyun to show paid P2P platform.
Rolled out capital to put a valve with credit and Jiangxi bank collaboration, after receiving Yin Lianyun to show Fu Zhi, with credit the user is supporting Yin Lianyun to show paid businessman to undertake sweeping piling up disbursement, use consumption of remaining sum of the account that put a valve directly, need not carry get stuck to the bank now.
What need points out is, receive Yin Lianyun to shine with credit pay, basically rely on Jiangxi bank to come true, this and Beijing east, the strategic collaboration that beautiful group and Yin Lianda become differs very far.
Asset of above of 3 90 ％ comes from and believe a group
With credit general guest group fixed position is 31-45 more at the age year old, can control capital fund 60 thousand - 100 thousand yuan, average month income is 3000-7000 yuan. Spend in the forehead on, it is commonly 20 thousand reach 140 thousand yuan, this and delightful borrow similar, disparate rich at interesting inn and letter small cash loan mode.
An Xiaobo pilot and letter group are opposite no less than and the absolutely control of credit, duan Yi majority comes from and believe the borrower below the clue that the group provides with the asset of credit at present.
According to exposure of book of raise capital by floating shares, be depended on with credit and letter information and with letter finance two companies are online the support that next asset carry. Came a few years in the past, the asset that exceeds 90 ％ with credit is to come from two afore-mentioned companies.
With the letter information and with the letter finance all is and letter group division leaves a company, with the letter the group owns a network leasehold news service, small guaranty of credit loan advisory service, car is leasehold the platform such as service, money management.
Claim with the net that believe an official, the asset that regard as and believes a company carries platform, with the letter the information, loan demand that uses oneself advantage to solve enterprise of He Xiaowei of several loan user with letter finance, have a hunderd schools to enclothe countrywide just a little the inn of asset end door of 3 lines city, consume kind of loan remaining sum to occupy the 80 ％ of whole business at present.
In book of raise capital by floating shares, point out with credit, company benefit from benefit from hopes to continue the dominant position that the asset below benefit from benefit from and the verge that believe a group to offer and sale, wind charges to wait for a respect. If mix,quality glides, perhaps produce change with the cooperative relation with letter group again, can be opposite and credit causes major effect.
On asset quality, up to by March 2016, came in April 2016 by March 2017, came in April 2017 by June, the M3 with credit (60-90 day) fraction defective is 0.01 ％ , 0.63 ％ , 0.58 ％ respectively, m3+ (day and 90 above) fraction defective is 2.65 ％ , 0.2 ％ , 0 ％ respectively.
Occupy exposure additionally, before be in and believing formal operation of company of electronic business affairs, use efficiency to raise fund, with the letter group and management is focussed on finance affairs with credit. Its are as a result, till January 11, 2017, flow with the cash that believes company of electronic business affairs, include a few income and cost, be passed and believe the bank account come-and-go of the group.
Nevertheless, on January 12, 2017, with the letter company of electronic business affairs realizes financial independence. End on September 30, 2016, should vest in and the account remaining sum that believe company of electronic business affairs are 62.2 million yuan of RMBs (9.3 million dollar) .
The article comes from a list of names posted up of Ya of new finance Lang
