Company of each other gold appears on the market with holding company, what profit is there?

A few days ago, company of Shenzhen finance science and technology is small win science and technology to trade to American negotiable securities committee (SEC) referred book of raise capital by floating shares, the plan hangs out his shingle in new York stock exchange appear on the market, stock code is " XYF " , draft collect most capital of 250 million dollar, the heart volition bank, Magenshidanli, negotiable securities that enrol business (Hong Kong) for bear sell business.

Notable is, small win science and technology to be in appear on the market holding company chose to appear on the market in the process, and the platform that be about to appear on the market with the form of holding company, will look at present already more than small gain science and technology one, the other Pujinke that be like every also is such, building blocks spells atlas group to buy harbor before appear on the market company Yong Jun international also is to pass holding company to undertake. Why should carry this kind of kind?

Small win science and technology to held water in March 2014, predecessor is small win conduct financial transactions, upgraded formally in January 2017 for small win group of science and technology. Current, small win banner of science and technology to fall to basically have small gold winning a network, small win card to borrow, small win conduct financial transactions, small favor winning general 4 brands. Among them, small gold winning a network is P2P platform; Small winning card to borrow is the leasehold service platform that is core with credit card; Small winning conduct financial transactions is a relatively omnibus conduct financial transactions platform of the gold that carry each other, basically offer a net to borrow, monetary fund, insurance serves 3 kinds, among them the net borrows a product to come from small gold winning a network; Small favor winning general and small win conduct financial transactions to answer relatively, basically become loan end, offer small win actor to borrow (the natural person is short-term credit) , small win a car to borrow, small win card to borrow wait for a product.

From the point of government-owned network news, small the P2P platform that wins banner of science and technology to fall is small gold winning a network, up to the accumulative total July 31, 2018 leasehold amount is 68.5 billion yuan, leasehold remaining sum 16 billion yuan, the home that borrows in the net discharges the 16th in newest and integrated grade.

Book of raise capital by floating shares expresses, small the income that gains science and technology depends on the ability of the financing source that keeps stable and the financing source channel that add diversification ceaselessly. Will look at present, the origin of capital basically has tripartite side: Individual investor, firm investor and orgnaization investor. Because the financing capability of P2P platform is stronger, small the loan remaining sum that wins place of science and technology to facilitate is by the individual investor is offerred from P2P platform for the most part. 2016, 2017 and 2018 first half of the year, the loan remaining sum that individual investor provides occupies score to be not achieved 79.9% , 82.3% and 84.2% , year after year rises.

(check scheme comes from small win book of raise capital by floating shares of science and technology)

It seems that, the actual strength of small gold winning a network is not weak, also calculate going up is small those who gain science and technology " pillar " , appear on the market with P2P directly what problem is there?

In light of the data that discloses from book of raise capital by floating shares, small gain science and technology 2016, profit of the net after was being adjusted 2017 is respectively - 80 million yuan, 410 million yuan, achieve 530 million yuan first half of the year to 2018, the growth rate of outstanding achievement is very rapid.

Where are these profit come? Said in book of raise capital by floating shares, income basically originates serve for investor and borrower conjugate (borrow money namely match a service) the charge of place collection, profit nature also is origin hereat.

2018 first half of the year, small gain total net income of science and technology 1.85 billion yuan, among them, 91.3% what loan matchs the income that the service provides to take total net income, this one word is in 2016, was respectively 2017 78.8% with 85.8% , year after year rises.

(check scheme comes from small win book of raise capital by floating shares of science and technology)

Is loan is matched basically what to what undertakes pass? Basically be 2 products: Small win card to borrow, small win actor to borrow. 2018 first half of the year, small win science and technology to match loan amount to make an appointment with nineteen billion eight hundred and seventy-nine million yuan, among them small win card to borrow thirteen billion eight hundred and thirty-four million yuan, small win actor to borrow 4.331 billion yuan, both adds up occupy than 91.38% .

Occupy Ao Wei additionally to seek advice (Oliver Wyman) the report shows, 2018 first half of the year, small win what card borrows to be in lend remaining sum 13.16 billion yuan, the platoon takes the place of in credit card countervail product domain the 1st; Small win what actor borrows to be in lend remaining sum 7.03 billion yuan, the platoon is in credit domain product in its the 3rd.

(check scheme comes from small win book of raise capital by floating shares of science and technology)

Since recently, a tide appeared gradually in the process that company of each other gold appears on the market, especially a few companies that contain P2P business, be expanding P2P business further, after making a group of relatively omnibus financial science and technology, will undertake appearing on the market through a holding company.

If the head platform before is patted pat borrow (PPDF.N) , delightful borrow (YRD.N) even a few small platform nod Niu Jinrong (DNJR.O) , love Hong Sen (AIHS.O) etc, can appear on the market with the form of P2P platform directly, why do a few platform later begin a change to play a way gradually?

Hong Yan of Xue of director of center of banking of Internet of academy of Su Ning finance to alone horny finance analysis, main reason still may come from at superintend or the consideration of license plate respect. The issue that should consider foreign capital shareholder appears on the market outside the condition, below the case that has foreign capital shareholder, p2P platform applies for a few license plate of home to may face a few difficulty, occurrence inaccuracy decides an element. Additional, to a few already for the company of collectivize, p2P platform cannot have represented whole company, is to serve as an among them part only, collectivize appears on the market also can hold subordinate and other business, make first selection.

Besides superintending the consideration with business side, platform of each other gold is in charge of Li Gang high to alone horny finance expresses, many P2P platform actually gain ability does not make money not by force at all even, if appear on the market with holding company, can other the outfit of business of each other gold that makes money quite comes in, plus general need appears on the market to use VIE structure outside the condition, the superintendency respect risk that reducing platform of the P2P below the banner to be faced with so while, still can make financial etc more good-looking, more advantageous also to appraise value.

In light of the case that wins science and technology as a child, if be,appear on the market with P2P platform, profitable loan product does not have a law to be included inside, the most propbably on outstanding achievement is a lot of poorer. Will appear on the market with present means, come in profitable business include, besides the influence that superintends in P2P of the escape on certain level, apparently financial data is much more good-looking, to appraise the value also has very great help.

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