The development of the industry is difficult. The prescription given by Zhaofeng Small Loan (8332 10) of the New Third Board Company is to embrace the Internet through transformation and successfully seize the "thigh" of Ant Financial.
New Third Board Small Loan Company: What can I do to save you?
The companies of the New Third Board Small Loan Company are facing a double attack: on the one hand, the whole industry has entered a recession cycle, and the income of most enterprises has declined; On the other hand, listing on the New Third Board is restricted from financing and entering the innovation layer, and there is no dividend at all. At the same time, it costs millions of dollars every year.
At present, there are 4 1 microfinance enterprises in the New Third Board. According to Digbei.com's incomplete statistics, among the 20 small loan companies that have disclosed 20 17 financial reports,1small loan companies showed a downward trend last year; The net profit growth rate of the four companies was less than 10%, and the performance growth was weak; There are nine companies whose net income has both declined.
The performance in the first three quarters of last year was not optimistic, and the overall operating income and net profit declined. In the first three quarters of last year, 4 1 company * * realized an operating income of 65,438.05 billion yuan, an average decrease of12% compared with the same period of last year; The accumulated net profit was 440 million yuan, a decrease of 220 million yuan compared with 660 million yuan in the same period last year, and the performance declined by over 30%.
The New Third Board Small Loan Company is the epitome of the overall situation in China. According to the statistical data report of small loan companies in 20 1817 released by the central bank on 25 October, by the end of 20 17, there were 855 1 companies, a decrease from the end of 20 16. Among them, Yunnan Province decreased the most, with 66. On the whole, the tide of institutional withdrawal of small loan companies continues.
To make matters worse for the small loan companies of the New Third Board, the annual maintenance cost of the New Third Board is several million. But you can enjoy very little dividend.
"Financial enterprises are not allowed to enter the innovation layer, cannot raise funds, and cannot enjoy any dividends." A secretary of the board of directors of the New Third Board Small Loan Company had previously told Digbei.com.
All this stems from the new supervision system of the New Third Board for financial enterprises at the end of 20 15. After that, the financing of small loan companies was limited and they lost the qualification to enter the innovation layer.
At present, the trading of the New Third Board is cold, and five companies choose to leave.
Xiao Zhao is wearing Jin Fu, a fat ant.
In the face of the overall bleak industry, leaving can not solve the problem of shrinking the industry. The choice of trillions of small loans is transformation, embracing the Internet and catching up with Ant Financial.
2065438+March 2007, Zhaofeng Small Loan officially launched the "Mobile Self-help Loan" product; In September, he settled in Alipay, where customers can apply, use and repay, and started the attempt of micro-loan business based on the Internet.
According to the data, the "mobile phone self-service loan business" is based on the cooperation agreement between the company and the online merchant bank, relying on the technical support provided by the provincial information company under Ant Financial, and taking sesame credit, mobile phone operators, small loan industry credit information and other big data as the basis, as a reference, combined with offline investigation, screening customers who have invested in the letter, self-application, background approval, self-service lending and self-repayment.
According to the person in charge of Zhaofeng Small Loan, the upgraded platform can reduce the loan cost of our company from 500 yuan to 600 yuan now, with the highest cost reduction of 83.3%. The saved resources can enable the company to serve more customers, which is expected to provide lower interest rates and reduce the financing costs of customers.
The effect of microfinance transformation is still uncertain. The company's operating income and net profit "double down" 20 17.
Zhao said that the main reason for the decline in income is that the above-mentioned companies have launched a new product-"Zhaofeng Self-help Loan", which is related to O.
Dig. Com understands that Fun Store was founded on 20 14, and it is a financial technology company, formerly known as "Fun Staging"; Later, the fun shop was supported by Ant Financial, a financial department of Alibaba. It mainly aims at college students and young white-collar workers, and buys consumer electronic products such as laptops and smart phones by monthly installment.
The market generally believes that the profit of fun shops mainly benefits from the support of the gold owner "Ant Financial Service".
Judging from the operating mode of Ant Financial, Zhaofeng Small Loan and Fun Store have many similarities. They all rely on sesame credit to evaluate lenders through big data and artificial intelligence, thus improving the company's risk control ability.
On the thigh of Ant Financial, relying on Alipay's platform, the operating modes of the two companies are similar. Whether Zhaofeng Small Loan can become the next "fun shop" remains to be verified by time.
This article comes from Digging Shell Network.
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