Tang Wangkai of reporter of APP of times finance and economics
The successor is being chased, after afterwards consumes finance, 360 finance near future went to business domain dilate small small company to borrow a domain again. According to media message, on APP of 360 finance receipt for a loan, already registered an user to be in perfect clean out treasure, Beijing east after news of trade waiting for report, can obtain a line to go up " raise the specified number " , highest 200 thousand yuan of credit, this can regard 360 finance as to expand the another act of business of receipt for a loan.
Serve as 360 finance advocate push business and discharge to take on, 360 receipt for a loan as it is said already interiorly realizes fractionation, plan IPO. Here setting falls, single cash reserve in a bank shifts business and can not satisfy capital market apparently the imagination to business of 360 receipt for a loan, consumptive finance, small small company is borrowed those who wait for business is complemental before forming 360 receipt for a loan to appear on the market important one annulus.
Abound financial domain
360 finance begin small small company to borrow those who got relevant chief to confirm. Introduce to media according to this controller, this platform already began to try business of Shui Xiaowei banking Feburary this year. At present this business still is in during trying operation, target of integral outstanding achievement is good, the likelihood will release the information of the line on the product formally at the near future.
Besides sortie small small company is borrowed besides, in fact domain of business of 360 finance dilate all the time the motion is constant. Advanced before long, 360 finance still extend the tentacle of business to setting consumes finance. According to media coverage, 360 finance ever were in recruit of website of each big invite applications for a job in installment electric business is relevant talent. In addition, the line on APP of 360 receipt for a loan in installment store, include household, mobile phone, number, box to wrap 4 big classification, setting buys formal be born in installment.
It is reported, at present distribution of 360 banking business basically includes 3 big board piece, it is loan service respectively kind " 360 receipt for a loan " , platform of conduct financial transactions kind " your fortune " and diversion kind " loan navigation " . Besides, 360 finance also have in the domain such as information of safe, stock involve.
And in afore-mentioned a lot of business, the business emphasis that 360 receipt for a loan are 360 finance and discharge take on. According to 360 finance money newspaper showed 2017, loan of 360 receipt for a loan extended 2017 nearly 40 billion yuan, realize only month gain. 360 finance predict loan extended 2018 will attain 100 billion yuan of scale. In addition, up to now user of loan of 360 receipt for a loan already exceeded 1 million.
The business mode of 360 receipt for a loan is, combine relevant finance orgnaization to begin professional work with the form of cooperative loan. Fly through surprising below the banner for instance art (Beijing) share of software limited company holds business of card orgnaization advance to consume finance, 360 receipt for a loan help his obtain it is guest, good to do early days wind accuses, financial orgnaization criterion rearward is offerred put borrow fund. As we have learned, the financial orgnaization that stands in backside of 360 receipt for a loan amounts to more than 20.
However, for the 360 receipt for a loan that shift business to belonging cash reserve in a bank substantially, suffer severe superintendency effect, its manage foreground future to still put a lot of uncertainty. From the point of this one angle, extend consumptive finance, small small company to shift business, made the only way that 360 receipt for a loan develop.
"Below current policy and market environment, the gift of consumptive banking business that combines consumptive setting only has abiding vitality " , ouyang Rihui of assistant dean of academy of economy of Internet of China of university of central finance and economics expresses when accepting times finance and economics to interview, "And small small company is borrowed was to answer finance to serve the appeal at hypostatic economy, this is the development direction of Internet finance, also be to get superintendency encouragement the development direction with support. Also be to get superintendency encouragement the development direction with support..
Complement says Ouyang Rihui, "360 finance extend setting to consume finance, small small company to shift business, accord with policy requirement on one hand, also be sufficient mining on the other hand, used 360 finance and the dominant position of 360 groups, abounded system of its finance setting, have particular market to imagine a space. Have particular market to imagine a space..
Meaning in IPO?
Times finance and economics notices, no matter be business of setting consumption banking, small still small company shifts business, rely on begin professional work at APP of 360 receipt for a loan, this also means two afore-mentioned new business to be subject to line of business of 360 receipt for a loan likely, this also accords with current cash to shift the trend of business transition.
And to 360 finance, consumption finance, small small company is borrowed bring into system of 360 receipt for a loan, having more important sense probably.
In July 2018 the middle ten days of a month, 360 receipt for a loan finish fractionation to turn operation independently from 360 finance, plan to plan the message spread fast of IPO.
Although this one hearsay has not get 360 finance government confirms, but also be not an empty hole invites the wind-weakness lends wings to rumors. Liu Wei of 360 finance president ever expressed publicly, 360 banking group more resembling is a hatch implement, interiorly hatch project, which do well take IPO, other business continues to explore.
Liu Wei says, bad Zhang of 360 receipt for a loan is led under 5 millesimals, will implement the loan scale of 100 billion 2018, the 8 profit to 1 billion yuan, this is 360 receipt for a loan can become independent the bottom that fractionation appears on the market is angry.
But also put in real difficult problem: Cash borrows platform to appear on the market not to have feasibility independently. The personage inside course of study points out, below current policy environment, especially " rectify about the standard " cash is borrowed " the announcement of business " after allotting, cash shifts an industry experience is strong superintend, numerous platform by purge, the possibility that home appears on the market is not large; On the other hand, the state of industry sudden huge profits is gone never to return, interest rate is restricted strictly, bad Zhang leads tall look forward to, even if appear on the market outside the condition, already also was before capital market disfavor.
Consumptive finance, small small company is borrowed before appearing on the market for 360 receipt for a loan, complemental banking business is short board important one annulus.
National finance and development lab released this year in April " innovation of Chinese consumption finance reports " show, china consumes money market sizing to be close to 6 trillion yuan currently, if according to of 20% add fast forecast, dimensions of Chinese consumer credit can exceed 12 trillion yuan to 2020. And statistic of ministry of the letter that occupy class, the demand of financing of small small company of 40.7% cannot get our country contented, in gap of normal branch financing approachs small small company 1.9 trillion dollar, financing gap rate is amounted to 43% .
Setting consumption finance and small small company shift the tremendous progress latent capacity that the market exists, also be the imaginary space of future of business of 360 receipt for a loan.
Ouyang Rihui thinks, the road that 360 receipt for a loan appear on the market is not met probably too fast, but its develop setting to consume finance and small small company to borrow wait for new business very be necessary, "The rich sex of financial product and imagination will grace to company estimate value many. "The rich sex of financial product and imagination will grace to company estimate value many..
