Beijing time on November 15 in the evening 10:30, company of financial science and technology is small borrow a net, hang out his shingle formally in stock exchange of American new York appear on the market, stock code is WEI, magenshidanli and beautiful banner are bear sell business. That day, button hands in a whole world to carried out vice-chairman Betty Liu to also be attended small the ceremony ringing a bell that borrows a net. This small borrow a net to issue valence to be 10 dollars / , market prise exceeds 4.9 billion yuan of RMBs.
Book of raise capital by floating shares shows, small borrowed a net to initiate China the first is used " guaranty is registered + GPS system " car guaranty mode of the form, the industry is borrowed to be in absolutely and lead position in Chinese car, market share 35% , exceeded the 2nd total to 10 markets share even, its appear on the market successfully mean " the car borrows the first science and technology " be born.
"Times of general benefit finance was accomplished small borrow a net. " Yao Hong of the small author that borrow a net, CEO expresses, to small borrow a net and character, appear on the market will make another main starting point -- since founding oneself, small borrow a net to devote oneself to to serve the crowd besides the system to provide a service for traditional banking all the time, the meeting after appearing on the market continues to take this one concept, the user that is us, investor and society create more value, mission of finance of benefit of general of carry out travel.
Look in the market, small the success that borrows a net appears on the market will carry brace up confidence of whole of industry of Chinese finance science and technology.
Outstanding achievement growth is steady, gain ability lasts to good
As home the oldest car borrows a net to borrow platform, small the car was initiated to touch at the beginning of borrowing a net to held water 2011 borrow mode, it is the person that the car touchs the inaugurator that borrows product standardization and metric system to decide, also be the person that Chinese car borrows what wind accuses to lead at the same time. 2 timeses are borrowed in the car, small borrow a net to take the lead in applying science and technology to transform credit flow, compose was built with " person + car " of drive of double data core " intelligence is decision-making forest " the risk is decision-making system.
Be the deep ploughing that profit from borrows capital fund to the car and ability of powerful science and technology, small borrow a net in recent years business dimensions and profit grow steadily. Show according to data of book of raise capital by floating shares, small borrow a net 2016, 2017, Non-GAAP net was 1-9 month respectively 2018 323 million, 516 million, 578 million, continuously gain maintains growth. Among them, the net of 1-9 month already exceeded 2018 2017 annual level, this also reflected the small business ability that borrow a net strong, was not affected apparently by industry disturbance.
Browse book of raise capital by floating shares still can see, 2018 during first half of the year small borrow brisk investment number reachs 521 thousand person on reticle, almost with annual is active 2017 investor number keeps balance, compared to the same period 2017 first half of the year amplitude 56.46% .
Serve small small user, science and technology is endowed with can general benefit finance
To finance of Chinese general benefit, small borrow a net to found 2011, initiated the beginning with car leasehold guaranty not only, explore the platform that financial science and technology and car borrow the earliest still. Small borrowed a net to experience an industry from do not have have, serve small small user the heart did not change first. Book of raise capital by floating shares shows, small the fixed position that shifts a net is " for medium and small businesses (individual) provide credit " .
Book of raise capital by floating shares is announced, be based on the capital dominant position that car mortgages, the small wind that borrow a net accuses stability of level of management, end 2018 first half of the year, small the rate of M3 exceed the time limit that lends a net maintains between 0.6%~0.8% .
2 timeses are borrowed in the car, small borrowing a net is the investment that increased science and technology more. At present group of the tiny research and development that borrow a net exceeds 350 people.
Draw lessons from the random forest thought of machine study, small borrow a net to pass intelligence decision-making forest wind accuses a system to make price of wide cut risk. The client level credence that is based on own research and development evaluates a model to do client admittance and part loan specified amount to spend, repass is exterior the union that evaluates interface, the energy that achieves 95% car follows automatic rate.
Small on this foundation borrowed a net to roll out again dedicated the data product that exports external at controlling data mining and wind of big data credit capacity " Bai Le is divided " , can undertake discriminating to credit of of all kinds client, identify result essence to allow effective, can undertake individuation according to user demand custom-built. Bai Le cent can apply to car consumption extensively to borrow money in installment, the many business setting such as car mortgage loan, credit, offer the credit grading of standardization for the client, and come according to client demand custom-built model, can use at specified amount of client admittance, loan to spend reach the many link such as examine and verify of price, loan.
"We are accumulated for years, include data, group, we also should be made small borrowed science and technology outputs ability, let finance become more low cost and efficient, " Yao Hong expresses, the intelligent finance times that is based on car finance just just begins.
Future, it is better to stop
This, small borrow a net to land stock exchange of American new York formally, mean small the affirmation that borrowed the development of the net to acquire abroad capital market. The industry that regards Hangzhou as the area alone horny animal, small borrow a net to be all the time on financial innovation and innovation of science and technology do hard, in taking an active part in the spring tide to new banking industry, for financial service hypostatic economy made not small contribution.
To small borrow a net and character, appear on the market will make another main starting point, open the brigade of the decay of industry of Hangzhou finance science and technology. And the associated black card that serves platform as the high end below the small division that borrow a net, also will become small one of strength with borrow a net most fundamental, carry out travel is small borrow a net to grasp all the time held original intention.
Combine Hei Kacheng to stand up to now, advocate all the time " it is better to stop " (Better Than Better) brand concept, it is representing multiple deep desire:
- help strength small borrow a net more develop steadily, get run the market;
- drive life service, member to make service industry progress jointly;
- maintain product iteration, the life with provide an user better chooses and serve an experience;
- endow with for the member can, help user accomplishs better ego;
From beginning to end forward " better " future develops, it is enterprise, industry, individual's collective happiness expects.
And in the small parent company that borrow a net support energetically under, combined black card to also have more powerful force, combine world high grade resource, be thrown continuously and the high quality prerogative that hatch more satisfies user happiness to live.
Cite the word of the small author that borrow a net, CEO Mr Yao Hong:
? Again small force, also can change the world
Innovate, those who accomplished us to go is wonderful
Is what will also cast us to did not come honorable?
Future, it is better to stop.
