Had divine Ba Fei ever said: especially? Regretful bars the man of?9% looks " playboy " the magazine serves as recreation, i? See company money sign up for recreation. " professional investor people take money newspaper seriously so, "3 pieces of watches " can discover investment opportunity not only, the development that can comb an one domestic company through data change more brief history, its strategy volition, business cashs result general view does not have involuntary discharge of urine.
Recently, explode in in thunder, be in harmony 360 | Brief general science and technology hands over newest report, behave bright look with Q2 quarter first half of the year, most propbably will be attracted " Buffett people " look at with new eyes, see quickly along with bright elder brother for fast.
Write civil | Qian Hao, chen Guoguo also has contribution
Composing | 7 cold cereal
One, growth of Wu of 3 great undertaking is driving, q2 outstanding achievement behaves bright look
Those of investment Great Master gets Lynch to have a famous remark: Loving at computation, indulge balance sheet and cannot the investor of extricate oneself, most cannot succeed. The meaning below character depends on, the number is admittedly significant, but the commercial pattern that more important is understanding company.
Regard a join as user and financial orgnaization " financial supermarket " , be in harmony the individual business pattern that 360 platform do not borrow platform at the net with having, in industry whole bear press next handing over not the report of common.
1, against the wind breaks up dish, business of 3 big core is greeted erupt type grows, market performance exceeds anticipate.
In light of whole, the market demand with exuberant benefit from benefit from, battalion of brief general science and technology received 490 million yuan during Q2 2018, grow 91.6% compared to the same period; Recommend service gross income to be 441 million yuan, grow 86.2% compared to the same period. On this foundation, its 2018 gross income is 826 million yuan first half of the year, grow 110% compared to the same period, recommend service gross income among them 730 million yuan, grow 102% compared to the same period.
Grow backside strong, come from outstanding achievement to be able to encircle the business of 3 big core that can order:
Loan recommends business to go up, q2 loan applies for an amount to make an appointment with 21.2 million, grow 11.0% compared to the same period, contributed first half of the year gross (about 33.3 million) close 2/3; Every loan is average and monovalent add reach 13.78 yuan, grow 29.1% compared to the same period; Recommend service revenue to be 291.9 million yuan, grow 42.9% compared to the same period, and will this battalion closes first half of the year push litre reach 452 million yuan.
On business of credit card hairpin, q2 credit card drives calorie of volume about 1.6 million, grow 167% compared to the same period, calorie of gross leaves first half of the year (3.1 million) occupy than exceeding 50% ; Unit price of settle accounts of every pieces of credit card is added reach 99.47 yuan, grow 35% compared to the same period; Recommend service revenue to be 149.1 million yuan, grow 356% compared to the same period, first half of the year occupy in this income than be close to likewise 50% .
The income that etc of Q2 advertisement, sale serves is 49.4 million yuan, grow 159% compared to the same period; Accumulate come down, this income amounts to 95.7 million yuan first half of the year, grow 206% compared to the same period. Notable is, this battalion closes besides service revenue of credit card ad, among them income of big data and risk management solution (namely be in harmony business of 360 nature's mystery) battalion closes to always be occupied it is than making an appointment with 4% , grow 200% compared to the same period, already was regarded as the growth key of future of brief general science and technology.
2, operation efficiency promotion, the cost that win a customer drops, deficit closes continuously narrow.
Flow is thin be short of bring sale and sale cost to promote ceaselessly, the expenses that already became each big Internet company is large. Brief general science and technology the sale defray first half of the year 680 million yuan, increase compared to the same period 100% . Under photograph comparing, its operation efficiency is promoting ceaselessly, the discharge that guides through public praise of content, tool, client is occupied than already exceeding gross 1/3, discharge cost drops stage by stage.
Mix in platform dimensions dilate continuously below healthy income growth, its deficit also is closing ceaselessly narrow. Calculate in order to be not standard of American general accounting (defray of eliminate equity drive) , caustic of this season net loss is 28.5 million yuan; Net profit margin from 2017 of Q2 - come 6.6% litres - 5.8% . In light of data of above half an year, its net profit also from the corresponding period - came 12.2% litres - 5.8% , anticipate from gain closer one pace.
3, financing of platform Zhang face is abundant, cash shedding transmits positive signal, can prop up a company to last outspread.
The competitive advantage of 360 platform and battalion receive be in harmony the scope effect that from user base and financial product bilateral dilate brings, be a model " build a road first, become rich after " mode, early days needs a large number of investment.
The money that announces according to its signs up for data to show, its can use Q2 of brief general science and technology at managing only cash reserve in a bank of the activity to amount to 190.5 million yuan, yuan Chao 2017 39 million yuan of the corresponding period; And up to on June 30, 2018, equivalent of cash of hold of science and technology of brief general of the company below 360 banners, cash mixes be in harmony short-term investment fund one billion three hundred and thirty-nine million one hundred thousand yuan, working capital is close one billion four hundred and thirty-five million six hundred thousand yuan. Enough ammunition will discharge the trouble back at home of company business dilate.
2, do not jump over Lei Chi, exposed to the sun and unripe
Below trend of industry be issued to lower levels, the company still can maintain to development posture, recommend besides loan, bank credit card approves the 2B income such as card, advertisement outside, also rather " captious " cooperative eye is concerned.
The small small platform that be in harmony encourages 360 times with platform of gold of head each other, country cooperates, mix in abundant financing close compasses run below, p2P explodes thunder is finite to its influence.
Be prepared for danger in times of safety is the potion fine medicine that dissolves a venture, its risk consciousness already blended in gene in. Be in early June 2015, combine Chinese people university to hold water jointly " Internet finance academy " , every quarter releases P2P net to borrow the integrated grade report of platform, always pay close attention to industry trend, up to already released continuously this year in August 14 period.
Be in harmony 360 release a net to borrow grade to report regularly with Chinese people university
This kind dare be an industry first grade system, make its choose in the partner on established high threshold. At present 360 collaboration platform all is be in harmony establish diplomatic relations in workers and peasants wait for large bank or the financial orgnaization of national endowment setting, also there is no lack of platform of gold of head each other. Want to know, father early to fall quickly in the superintendency hasten 2016, industry of gold of whole each other has been shown first centralized, appeared below Matthew effect one batch has the more expensive head platform that fights risk ability integratedly, below the double insurance of high grade resource and strict admittance principle, its fall the risk to lowest.
The P2P that began this year in June explodes Lei Chao, let whole market liquidity become nervous, to its the impact with the biggest business also is confined to platform to capital of loan category choice, application is measured and wait for a respect to Zhang speed, can not browbeat platform income, because this its Q2 outstanding achievement can be great,go up. Situation of the trade after 108 article publish the Ministry of finance recently takes a favourable turn, good benefit also its Q3 outstanding achievement.
Professional work of hairpin of bank credit card is steady, avoiding the market sentiment of danger falls high, the capital of traditional banking orgnaization such as the bank lower, wind controls more bounteous, cost more mature also advantage is highlighted, be in harmony 360 | Brief general science and technology also can live firmly battalion receives grail.
On one hand, to experiencing P2P industry " day thunder billow " investor, the bank becomes ideal undoubtedly " port " , induct more capital. On the other hand, domestic commercial bank is in strict superintendency all the time under, have a mature and perfect credit wind to control a system not only, and capital is abundant, many bank credit card can offer 50 days or so avoid breath period. The user also is willing to choose bank credit card to satisfy consumption leasehold demand, come so the hairpin business nature of 360 platform greets be in harmony to go up greatly, credit card is changed rate exceed 30% , discharge puts in change efficiency taller also.
Nature's mystery business rises quickly, offer one-stop wind accuses to serve platform, help traditional banking orgnaization make the solution of unifinication, making fuse 360 platform new point of growth.
In be in harmony 360 | In the book of raise capital by floating shares of brief general science and technology, be located in surely " provide a service for financial orgnaization " . Current, besides user and financial orgnaization outside matching business, its still are in 2011 be in harmony of research and development 360 " nature's mystery " wind dominates business, use big data and artificial intelligence technology, mix for gold of bank, disappear small borrow the wind that waits for financial orgnaization to provide whole technological process to accuse a solution, include big data analysis, turn over con, combination to build a model, add letter, wind to dominate the service such as strategy.
As Internet + thorough banking industry, traditional banking orgnaization discovered traditional wind accuses to face a lot of pain spot and challenge, the be current as technology of big data, AI rises abruptly with what consume finance, the demand that they control to intelligent wind is more and more exuberant, this also brings about be in harmony business of 360 nature's mystery will greet structural sex to increase opportunity, hopeful makes new growth engine.
"Nature's mystery " the wind that wind accuses to provide whole technological process for financial orgnaization accuses a solution
3, cloudless, property of each other gold still is a bright spring day
Ma Yun has said, scientist and industrialist have general character, belong to an optimist. In the belief that, see so. To the foreground of domestic Internet finance, should hold in the arms likewise hold upbeat mood: After harships passes, always have rainbow photograph partner.
Below the concept that consumes in lead, c carries leasehold requirement still driving, market of gold of domestic each other still contain latent capacity.
1998, central Bank dispatch drives individual consumer credit to enter drive. 20 years, consume the promotion of ideal change and financial service level as the dweller, market dimensions expands ceaselessly. According to " market of Chinese consumer credit grew a report 2017 " show, our country consumer credit (do not contain a room to borrow) market dimensions will amount to 9.8 trillion yuan, predict 14.67 trillion yuan to to 2019 this one word will amount to end.
However, domestic traditional bank basically enclothes a room to borrow with credit card crowd, crowd dimensions only 400 million, eliminate minor mouth, relatively at Chinese nearly 1.4 billion population character, still put in the huge gap of several crowds. Although industry of each other gold is entered,adjust level, but cannot ignore the market demand that was not satisfied.
Explode thunder will quicken P2P industry to shuffle, industry resource from long end to head assemble, the supply threshold of company of gold of the each other after superior bad discard is higher, demand will swarm into orgnaization of gold of head each other, traditional banking below limited supply, for be in harmony 360 platform bring structural sex opportunity.
Helix rises, this is rules of any new thing development. 20 centuries end, numerous clear the way person introduced to Internet bubble enthusiastic summit summit, although later people talks " net " color changes, large quantities of Chinese Internet company hard financing, exsanguine and die, and the BAT that financing comes down alive passes through successfully periodic, became the tycoon of instantly dominant pattern.
Same, to each other gold, explode thunder is not terminal, make an industry new return the orbit of normal evolution however. As the industry strong superintendency posture and market fund hasten fall closely, in the vivosphere of small platform will be squashed further, advantage resource will shuffle in the industry in tilt to head platform quickly, drive out in fine money the efficiency of company of gold of real play each other is much better advantage in bad money; And the user is in after experiencing this market to teach, also will choose reliable head platform and traditional banking orgnaization actively. And the main entrance that 360 platform regard be in harmony as service of credit of dedicated and high grade finance, natural also will as a large number of users swarm into and welcome development good opportunity, can be more in user heart firm " on the safe side " intelligence acknowledge.
Below market extra dividend, have business of credit card hairpin, nature's mystery to will be benefited not only, its also will be in deepness collaboration, extend finance to serve category building all-around financial platform.
If preamble is mentioned, to head each other as the user Jinpingtaiji gets together and return to to traditional banking orgnaization, be in harmony the Wu of 3 great undertaking of 360 platform will be benefited from which. Business is recommended to go up in loan, the grow in quantity of the user will bring loan to apply for quantitative rise; And go up in business of credit card of financial consumption main body, according to Central Bank data, credit card of domestic average per capita is 0.39 pieces only, far under the whole world average level, will for a long time see this business also will be greeted rise space; And the nature's mystery professional work that gives great expectations as its, also will be in the deepness collaboration with traditional banking orgnaization, build a model jointly, deepness is endowed with can, the wind that masters oneself of iteration of huge desensitization data controls model and product.
As all previous classics Internet foamy BAT mastered industry speech advantageous position is same, be in harmony 360 platform or will adjust in this industry in consolidate position, grow quickly the star that is circuit alone horny animal. With in wish for a long time in light of scene, 360 platform still will explore be in harmony more Internet banking business, open up more new product line, help strength finally its are made for 360 degrees of all-around finance platform.
4, epilogue
Every this associate with, all be order order.
Be in harmony of no less than 360 | Brief general science and technology (NYSE:JT) associated author holds character of CEO Xie Daqing place concurrently: Marathon ran only a few kilometers, future still can last deep ploughing, have dispel the clouds and see the sun-restore justice of hopeful ability of the person that hold to only.
