Before the listing of 5 1 credit card, 5 1 credit card was favored by venture capital institutions. Judging from its financing history, it obtained angel round financing led by Huaying Capital on 20121and 5 1 credit cards; In 20 13, Huaying Capital, SIG and Liu Qing Capital raised funds; 20 14 financing was completed by lead investment, JD.COM and Xiaomi. 20 15 completed the financing of Xinhubao investment; 20 16 completed the financing led by xinhubao and tiantu investment.
According to the performance report of 5 1 credit card 20 19 in the first half of this year, the revenue of 5 1 credit card reached 6,543.804 billion yuan, a year-on-year increase of 9.8%. The adjusted net profit was RMB 309 million, a year-on-year increase of 65,438+02.9%.
The main operator of 5 1 credit card is Hangzhou Enniu Network Technology Co., Ltd. At the beginning, it mainly used credit card bill management software "5 1 credit card housekeeper", and later, it successively launched products such as "5 1 personal credit", "5 1 personal loan" and "flowers for you", covering personal credit management services.
To sum up the business model of 5 1 credit card in one sentence is to acquire customers and realize cash realization through credit card management tools. The way to realize it is to match loans and lend the funds of P2P and licensed financial institutions to credit card users and other customers. 5 1 is an online loan company with personality of 5 1. According to the data disclosed by official website, as of the end of September, the matchmaking transaction in September was 65.438+35 billion yuan, and the current lending users of the platform in September were 209,000.
The accumulated loan balance is/kloc-0.07 billion yuan. The loans overdue rate of 5 1 individual over 90 days was 3.46%, showing an upward trend month by month. The cumulative number of credit cards under management reached 6.5438+38.7 million, a year-on-year increase of 654.38+06.9%. According to its semi-annual report, 5 1 Credit Card claims to have reached cooperative partnerships with more than 100 banks, consumer finance companies, trust companies and other financial institutions.
At the end of last year, after the relevant departments set the principle of rectification based on withdrawal, domestic P2P online lending institutions accelerated their transformation to "loan-helping" institutions. The "mystery" of the rapid increase in the proportion of institutional funds lies in the risk control of big data. 5 1 Credit Card pointed out in the semi-annual report that its business is based on unique big data and independent risk control system.
Summarize; Regarding the investigation of 5 1 credit card, a letter circulating on the Internet showed that "through our technical monitoring, it was found that your company grabbed our information through a crawler program, but we did not sign the relevant written authorization, consent or acquiescence for your company to obtain personal information from our systems and business processes.