From last year up to now, the net borrows superintendency policy to raise the price of the commodities ceaselessly, blame add up to platform of gold of compasses each other ceaseless " explode thunder " . And in relatively acuteness market wave motion, add up to compasses platform to issue open in increasingly favorable environment the new journey of steady growth.
The hug is superintended delightful borrow go against force growth
On August 29, delightful borrow released 2018 the 2nd quarter the financial outstanding achievement without audit. Money newspaper shows, delightful borrow facilitating loan volume to grow 38% compared to the same period, net income 1.52 billion RMB, relatively the corresponding period grew 28% 2017; Profit of the net after adjusting is 440 million RMB, grow 64% compared to the same period. The 2nd quarter, delightful borrow for 117, amount of facilitating loan of 754 eligible borrower 11.74 billion RMB, relatively the corresponding period grew 38% 2017. So far, delightful borrow already amount of accumulative total facilitating loan 97.6 billion RMB.
Be in in industry whole severe below integral environment, delightful borrow borrow platform as head net, still can hand over a superior financial performance. Before this, delightful borrow already many more successive the crewel that the quarter gains net income and net benefit grows. For example 2018 first quarter, because superintend a layer to publish upper limit of delimit interest rate early or late, make stop a network small borrow batch set wait for policy, include the net such as interesting inn, happy letter to borrow platform to appear to glide apparently when season outstanding achievement, delightful borrow grow 56% respectively when season net income and net profit, 91% .
Delightful borrow why can you go against situation maintain steady growth? This gets used to an industry actively to develop the rule with its, the hug superintends be closely bound up.
Delightful borrow CEO Fang Yihan to sign up for telephone conference to get on such expression in money, "Past a few months comes, chinese net borrows industry whole to face relatively grim challenge, in the meantime, relevant superintendency orgnaization also drives industry health to develop in ground of do one's best. For example, the silver-colored meeting that keep watch releases a net to borrow platform to close relevantly compasses is how-to, aim eliminate the false and retain the true, let what be engaged in a net shifting an industry truly add up to compasses platform health to develop. Let what be engaged in a net shifting an industry truly add up to compasses platform health to develop..
In fact, from Internet finance " 8 · 24 new rule " come on stage to already had two years up to now, but the net shifts an industry still is good and evil people mixed up, the crisis 4 bend over. This year June, platform of a few P2P is successional " explode thunder " , cause the loss that estimates hard to investor, also force superintendency layer implements more rigid superintendency policy at the same time.
The largest stumbling block that inferior net lends platform to already became practitioner to develop jointly, also be the chief criminal that endangers investor interest at the same time. Those who be like the delightful understanding that borrow place in that way, although superintend heavy fist to let industry a fleeing army's suspicion of danger at the slightest sound, but only " eliminate the false and retain the true " , ability helps a net borrow an industry to obtain long-term development.
3 grow greatly " close key "
Look in me, delightful borrow enlarging business dimensions ceaselessly while, gain ability increases continuously, its mastered main profit from 3 grow greatly " close key " , respectively corresponding move closes to compasses, wind accuses and open 3 kinds of ability.
Will watch the first close key above all, in the industry strong superintend below, insisting to combine compasses operation is delightful all the time borrow the important cornerstone that achieves steady progress. Up to now, delightful borrow in " capital puts a valve " , " keep gold character " , " information is announced " , " the network signs a letter " , " information and network safety " etc close the focal point of compasses domain accumulating all shifts to an earlier date implementation closes compasses, produced the example effect of head platform.
This year first quarter, delightful borrow introduce well-known insurance company assures with tripartite company, the loan fund that is platform lender offers credit to assure to be sure to ensure and assure company safeguard, finished what defend service plan character is comprehensive upgrade; In addition, afterwards first enter receiving after information of credit of association of gold of Chinese each other shares platform, delightful borrow still serve as 15 first countrywide orgnaizations to represent one of receiving to sign a letter into 100. This mirrors instead delightful borrow advance steadily close compasses the determination that changes a course and achievement.
In addition, regard science and technology of a finance as the enterprise, wind accuses ability to matter to platform capital safety directly, delightful borrow building drive of science and technology and powerful and efficient wind charges pattern, this also becomes its to obtain the 2nd secret weapon that outstanding achievement grows.
Delightful borrow make full use of big data analyses a tool, analytic comparing adjusts the data that connects overmuch dimension to spend, undertake borrower risk is evaluated turning over be reachinged false is opposite, enhance safe to lender capital safeguard thereby. Newspaper of 2 quarters money shows, up to on June 30, 2018, delightful the rate of loan exceed the time limit that lends exceed the time limit more than 30 days is 2.5% , this one word is last quarters 2.9% , drop pitch is obvious. Current, delightful borrow the blacklist that has more than 1 million to turn over fraudulent data node, and bring into as what more uses a data, delightful borrow wind to accuse a model also will more intelligence and accurate.
Look in me, above two kinds of ability are delightful borrow be based on be based on finance to add up to compasses and wind of science and technology to accuse respectively, for the moat that oneself makes. Meanwhile, delightful borrow as the platform of science and technology of head China finance that has gone to the United States to appear on the market, the development that also devotes oneself to to be industry of Chinese finance science and technology makes contribution, because this is delightful borrow active exploration to have these technical innovation ability and product pattern be outputtinged external, open a partner. This becomes appropriate the 3rd kind of capacity that the person shifts develop a school of one's own.
Delightful borrow share platform YEP and orgnaization of much home banking to spread out collaboration through ability of financial science and technology, endow with for the industry can. YEP shares platform to science and technology, wind accuses and obtain passenger capacity through be being outputted to the industry, help partner raises wind to control efficiency and user service capacity. And in the near future, delightful borrow still in succession as famous as the whole world the orgnaization such as the new network bank that joins one of banks of 3 Internet of Baidu of firm of head of a Gao Cheng, Internet and whole nation reachs the collaboration that covers the aspect such as technology, capital, asset.
Powerful platform is opened and resource conformity ability, revealed already delightful lend the actual strength that regards head of financial science and technology as platform, also optimized oneself capital structure to provide new kinetic energy for its. Having the tycoon such as Gao Cheng, Baidu to add after holding, delightful the favour that borrows prospective certainly will to will get more and high grade resource.
Write finally
It is reported, superintendency branch is in active protocol " forbidden add a net newly to borrow an orgnaization " wait for new move, this means a net to borrow an industry to be in those who experience two years to shuffle period hind, proclaimed thoroughly of level of ground of horse race circle ring down the curtain. Borrow market dimensions to expand ceaselessly as the net, and prospective platform amount can be decreased only won't add, user and resource will be centered continuously to platform of head banking science and technology undoubtedly, delightful borrow wait for head platform to will greet Xin Yibo to expand good opportunity. Look in me, delightful the technical innovation capacity that if can keep existing,shifts and development posture, its hopeful is finished successfully " achieved one billion two hundred and fifteen million seven hundred and fifty-two thousand one hundred and ninety-two yuan to trade 2020 dimensions " strategic program.
