比较一下信而富的财报的利润及现金流部分

2017-05-26

$宜人贷(YRD)$ $China Rapid Finance Ltd(XRF)$ 宜人贷第一季度净利润5098万美元，目前市值14.4亿。

截至2017年3月31日，现金及现金等价物为8.64亿人民币（1.26亿美元），截至2016年12月31日现金及现金等价物为9.68亿人民币。现金及现金等价物余额下降的主要原因是公司增加了可供出售金融资产与持有至到期投资，以提高营运资金收益。截至2017年3月31日，持有至到期投资余额为4.95亿人民币（7,189万美元），可供出售金融资产余额为12.32亿人民币（1.79亿美元）。

信而富第一季度净亏损1490万美元，去年同期净亏损1020万美元。

截至2017年3月31日，公司持有现金及现金等价物2,450万美元，限制性资金1,130万美元。在首次公开发行和承销商于5月11日行使超额配售权后，公司持有的除去IPO发行费用的现金及现金等价物为7,740万美元。

也就是说信而富假如没有上市拿到6000万融资的话现金流上半年就要断裂，目前在不扩大亏损的情况下还能撑一年半左右。在这种情况下信而富目前市值4亿美元。
我不知道大家怎么想的。。
所以盯着宜人贷的各位空头是不是应该转移一下目标了😂😂😂

免责声明：上述内容仅代表发帖人个人观点，不构成本平台的任何投资建议。

精彩评论

别说
2017-05-26
别说
坦白说你这个逻辑有问题，亏损要看钱花在哪里。现在信而富一季度因为获客成本高昂导致的亏损。同样带来了50万左右的新客户。换句话说，如果停止获客开始吃老本的话，信而富可以盈利，宜人贷就处于吃本的阶段。这就是两家公司的区别。
- bbz:
  你说的有道理，所以就看它能不能控制好成本了
T20211213690
2017-05-26
T20211213690
亏一千万美金，换50万的新客户，我感觉划算😀
- lucyandlily回复bbz:
  现在有新的了圣盈信
- bbz:
  这个我确实不懂，主要是信而富财报信息量实在太少，非业内人士如何去判断你说的这些，我是希望信而富也能雄起一把，毕竟美股上就这俩国内p2p公司，任意一个垮掉必定影响另一个的估值
港美爷
2017-05-26
港美爷
宜人贷也要砍一半，股票太集中可以控制股价
- 港美爷回复bbz:
  宜人贷看起来是互联网公司，实际上也是重资产
- bbz回复港美爷:
  所以现在恍然大悟了啊😂😂😂
- 港美爷回复bbz:
  哈哈三四块的时候为啥不买
- bbz:
  股价减半的时候请告诉我，我把房子卖了来买😂😂😂
已销户
2017-05-26
已销户
信而富虽是中钙，但好歹也在美国出生，YRD在老美眼里就是中钙土鳖😂
- bbz:
  看到最新的做空数据，宜人贷做空股数少了14万股，回补天数下降到五天，然而还是亚历山大😓😓
bbz
2017-05-26
bbz
按照空头的逻辑，宜人贷的风控尚且如此，那信而富做的还是现金贷，财报连坏账率都不披露，风控岂不是😂😂😂😱😱😱
- 张小严回复巴菲特簇拥:
  你搞一个看看
- 巴菲特簇拥回复张小严:
  3亿美金的盘子好意思叫上司公司？明年倒闭
- 张小严:
  不懂，不要说话
T20211213690
2017-05-26
T20211213690
信而富每个新客户的获客成本是17美元左右，所以信而富才拼命的亏损去获得这么低成本的新客户，再说了宜人贷的风险控制水平不一定比信而富优秀！
- 挖掘牛guo:
  你错了，宜信的风控很强的，我知道事实

发表看法

{"i18n":{"language":"zh_CN"},"detailType":1,"isChannel":false,"data":{"magic":2,"id":62001,"tweetId":"62001","gmtCreate":1495781367897,"gmtModify":1704877249611,"author":{"id":3447505082800984,"idStr":"3447505082800984","authorId":3447505082800984,"authorIdStr":"3447505082800984","name":"bbz","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[],"fanSize":10,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"title":"比较一下信而富的财报的利润及现金流部分","extraTitle":"","html":"<html><head></head><body>$宜人贷(YRD)$ $China Rapid Finance Ltd(XRF)$ 宜人贷第一季度净利润5098万美元，目前市值14.4亿。 截至2017年3月31日，现金及现金等价物为8.64亿人民币（1.26亿美元），截至2016年12月31日现金及现金等价物为9.68亿人民币。现金及现金等价物余额下降的主要原因是公司增加了可供出售金融资产与持有至到期投资，以提高营运资金收益。截至2017年3月31日，持有至到期投资余额为4.95亿人民币（7,189万美元），可供出售金融资产余额为12.32亿人民币（1.79亿美元）。 信而富第一季度净亏损1490万美元，去年同期净亏损1020万美元。 截至2017年3月31日，公司持有现金及现金等价物2,450万美元，限制性资金1,130万美元。在首次公开发行和承销商于5月11日行使超额配售权后，公司持有的除去IPO发行费用的现金及现金等价物为7,740万美元。 也就是说信而富假如没有上市拿到6000万融资的话现金流上半年就要断裂，目前在不扩大亏损的情况下还能撑一年半左右。 在这种情况下信而富目前市值4亿美元。 我不知道大家怎么想的。。 所以盯着宜人贷的各位空头是不是应该转移一下目标了😂😂😂</body></html>","htmlText":"<html><head></head><body>$宜人贷(YRD)$ $China Rapid Finance Ltd(XRF)$ 宜人贷第一季度净利润5098万美元，目前市值14.4亿。 截至2017年3月31日，现金及现金等价物为8.64亿人民币（1.26亿美元），截至2016年12月31日现金及现金等价物为9.68亿人民币。现金及现金等价物余额下降的主要原因是公司增加了可供出售金融资产与持有至到期投资，以提高营运资金收益。截至2017年3月31日，持有至到期投资余额为4.95亿人民币（7,189万美元），可供出售金融资产余额为12.32亿人民币（1.79亿美元）。 信而富第一季度净亏损1490万美元，去年同期净亏损1020万美元。 截至2017年3月31日，公司持有现金及现金等价物2,450万美元，限制性资金1,130万美元。在首次公开发行和承销商于5月11日行使超额配售权后，公司持有的除去IPO发行费用的现金及现金等价物为7,740万美元。 也就是说信而富假如没有上市拿到6000万融资的话现金流上半年就要断裂，目前在不扩大亏损的情况下还能撑一年半左右。 在这种情况下信而富目前市值4亿美元。 我不知道大家怎么想的。。 所以盯着宜人贷的各位空头是不是应该转移一下目标了😂😂😂</body></html>","text":"$宜人贷(YRD)$ $China Rapid Finance Ltd(XRF)$ 宜人贷第一季度净利润5098万美元，目前市值14.4亿。 截至2017年3月31日，现金及现金等价物为8.64亿人民币（1.26亿美元），截至2016年12月31日现金及现金等价物为9.68亿人民币。现金及现金等价物余额下降的主要原因是公司增加了可供出售金融资产与持有至到期投资，以提高营运资金收益。截至2017年3月31日，持有至到期投资余额为4.95亿人民币（7,189万美元），可供出售金融资产余额为12.32亿人民币（1.79亿美元）。 信而富第一季度净亏损1490万美元，去年同期净亏损1020万美元。 截至2017年3月31日，公司持有现金及现金等价物2,450万美元，限制性资金1,130万美元。在首次公开发行和承销商于5月11日行使超额配售权后，公司持有的除去IPO发行费用的现金及现金等价物为7,740万美元。 也就是说信而富假如没有上市拿到6000万融资的话现金流上半年就要断裂，目前在不扩大亏损的情况下还能撑一年半左右。 在这种情况下信而富目前市值4亿美元。 我不知道大家怎么想的。。 所以盯着宜人贷的各位空头是不是应该转移一下目标了😂😂😂","highlighted":2,"essential":2,"paper":2,"likeSize":13,"commentSize":23,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/62001","repostId":0,"isVote":1,"tweetType":1,"viewCount":2368,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":["XRF","YRD"],"verified":2,"subType":0,"readableState":1,"langContent":"CN","currentLanguage":"CN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":859,"xxTargetLangEnum":"ZH_CN"},"commentList":[{"id":309737,"commentId":"309737","gmtCreate":1495792037952,"gmtModify":1495792037952,"authorId":319307542619732,"author":{"id":319307542619732,"idStr":"319307542619732","authorId":319307542619732,"name":"别说","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":62001,"objectIdStr":"62001","type":1,"supId":0,"supIdStr":"0","prevId":0,"prevIdStr":"0","content":"坦白说你这个逻辑有问题，亏损要看钱花在哪里。现在信而富一季度因为获客成本高昂导致的亏损。同样带来了50万左右的新客户。换句话说，如果停止获客开始吃老本的话，信而富可以盈利，宜人贷就处于吃本的阶段。这就是两家公司的区别。","text":"坦白说你这个逻辑有问题，亏损要看钱花在哪里。现在信而富一季度因为获客成本高昂导致的亏损。同样带来了50万左右的新客户。换句话说，如果停止获客开始吃老本的话，信而富可以盈利，宜人贷就处于吃本的阶段。这就是两家公司的区别。","html":"坦白说你这个逻辑有问题，亏损要看钱花在哪里。现在信而富一季度因为获客成本高昂导致的亏损。同样带来了50万左右的新客户。换句话说，如果停止获客开始吃老本的话，信而富可以盈利，宜人贷就处于吃本的阶段。这就是两家公司的区别。","likeSize":0,"commentSize":1,"subComments":[{"id":309766,"commentId":"309766","gmtCreate":1495793515152,"gmtModify":1495793515152,"authorId":3447505082800984,"author":{"id":3447505082800984,"idStr":"3447505082800984","authorId":3447505082800984,"name":"bbz","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":62001,"objectIdStr":"62001","type":1,"supId":309737,"supIdStr":"309737","prevId":0,"prevIdStr":"0","content":"你说的有道理，所以就看它能不能控制好成本了","text":"你说的有道理，所以就看它能不能控制好成本了","html":"你说的有道理，所以就看它能不能控制好成本了"}],"verified":10,"allocateAmount":0,"commentType":"valid","coins":0,"score":0},{"id":309790,"commentId":"309790","gmtCreate":1495795370501,"gmtModify":1495795370501,"authorId":3440025831738312,"author":{"id":3440025831738312,"idStr":"3440025831738312","authorId":3440025831738312,"name":"T20211213690","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":62001,"objectIdStr":"62001","type":1,"supId":0,"supIdStr":"0","prevId":0,"prevIdStr":"0","content":"亏一千万美金，换50万的新客户，我感觉划算😀","text":"亏一千万美金，换50万的新客户，我感觉划算😀","html":"亏一千万美金，换50万的新客户，我感觉划算😀","likeSize":0,"commentSize":2,"subComments":[{"id":396868,"commentId":"396868","gmtCreate":1502207196033,"gmtModify":1502207196033,"authorId":3463452176387638,"author":{"id":3463452176387638,"idStr":"3463452176387638","authorId":3463452176387638,"name":"lucyandlily","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":4,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":3447505082800984,"repliedAuthor":{"id":3447505082800984,"idStr":"3447505082800984","authorId":3447505082800984,"name":"bbz","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"objectId":62001,"objectIdStr":"62001","type":1,"supId":309790,"supIdStr":"309790","prevId":309802,"prevIdStr":"309802","content":"现在有新的了 圣盈信","text":"现在有新的了 圣盈信","html":"现在有新的了 圣盈信"},{"id":309802,"commentId":"309802","gmtCreate":1495796279665,"gmtModify":1495796279665,"authorId":3447505082800984,"author":{"id":3447505082800984,"idStr":"3447505082800984","authorId":3447505082800984,"name":"bbz","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":62001,"objectIdStr":"62001","type":1,"supId":309790,"supIdStr":"309790","prevId":0,"prevIdStr":"0","content":"这个我确实不懂，主要是信而富财报信息量实在太少，非业内人士如何去判断你说的这些，我是希望信而富也能雄起一把，毕竟美股上就这俩国内p2p公司，任意一个垮掉必定影响另一个的估值","text":"这个我确实不懂，主要是信而富财报信息量实在太少，非业内人士如何去判断你说的这些，我是希望信而富也能雄起一把，毕竟美股上就这俩国内p2p公司，任意一个垮掉必定影响另一个的估值","html":"这个我确实不懂，主要是信而富财报信息量实在太少，非业内人士如何去判断你说的这些，我是希望信而富也能雄起一把，毕竟美股上就这俩国内p2p公司，任意一个垮掉必定影响另一个的估值"}],"verified":10,"allocateAmount":0,"commentType":"valid","coins":0,"score":0},{"id":309759,"commentId":"309759","gmtCreate":1495793144090,"gmtModify":1495793144090,"authorId":3449631620270117,"author":{"id":3449631620270117,"idStr":"3449631620270117","authorId":3449631620270117,"name":"港美爷","avatar":"https://static.tigerbbs.com/f5f0828b39844f06c380d5f03994c694","vip":1,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":62001,"objectIdStr":"62001","type":1,"supId":0,"supIdStr":"0","prevId":0,"prevIdStr":"0","content":"宜人贷也要砍一半，股票太集中可以控制股价\n ","text":"宜人贷也要砍一半，股票太集中可以控制股价\n ","html":"宜人贷也要砍一半，股票太集中可以控制股价\n ","likeSize":0,"commentSize":4,"subComments":[{"id":309778,"commentId":"309778","gmtCreate":1495794173718,"gmtModify":1495794173718,"authorId":3449631620270117,"author":{"id":3449631620270117,"idStr":"3449631620270117","authorId":3449631620270117,"name":"港美爷","avatar":"https://static.tigerbbs.com/f5f0828b39844f06c380d5f03994c694","vip":1,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":3447505082800984,"repliedAuthor":{"id":3447505082800984,"idStr":"3447505082800984","authorId":3447505082800984,"name":"bbz","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"objectId":62001,"objectIdStr":"62001","type":1,"supId":309759,"supIdStr":"309759","prevId":309772,"prevIdStr":"309772","content":"宜人贷看起来是互联网公司，实际上也是重资产","text":"宜人贷看起来是互联网公司，实际上也是重资产","html":"宜人贷看起来是互联网公司，实际上也是重资产"},{"id":309772,"commentId":"309772","gmtCreate":1495793774544,"gmtModify":1495793774544,"authorId":3447505082800984,"author":{"id":3447505082800984,"idStr":"3447505082800984","authorId":3447505082800984,"name":"bbz","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":3449631620270117,"repliedAuthor":{"id":3449631620270117,"idStr":"3449631620270117","authorId":3449631620270117,"name":"港美爷","avatar":"https://static.tigerbbs.com/f5f0828b39844f06c380d5f03994c694","vip":1,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"objectId":62001,"objectIdStr":"62001","type":1,"supId":309759,"supIdStr":"309759","prevId":309770,"prevIdStr":"309770","content":"所以现在恍然大悟了啊😂😂😂","text":"所以现在恍然大悟了啊😂😂😂","html":"所以现在恍然大悟了啊😂😂😂"},{"id":309770,"commentId":"309770","gmtCreate":1495793677514,"gmtModify":1495793677514,"authorId":3449631620270117,"author":{"id":3449631620270117,"idStr":"3449631620270117","authorId":3449631620270117,"name":"港美爷","avatar":"https://static.tigerbbs.com/f5f0828b39844f06c380d5f03994c694","vip":1,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":3447505082800984,"repliedAuthor":{"id":3447505082800984,"idStr":"3447505082800984","authorId":3447505082800984,"name":"bbz","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"objectId":62001,"objectIdStr":"62001","type":1,"supId":309759,"supIdStr":"309759","prevId":309767,"prevIdStr":"309767","content":"哈哈 三四块的时候为啥不买","text":"哈哈 三四块的时候为啥不买","html":"哈哈 三四块的时候为啥不买"},{"id":309767,"commentId":"309767","gmtCreate":1495793600377,"gmtModify":1495793600377,"authorId":3447505082800984,"author":{"id":3447505082800984,"idStr":"3447505082800984","authorId":3447505082800984,"name":"bbz","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":62001,"objectIdStr":"62001","type":1,"supId":309759,"supIdStr":"309759","prevId":0,"prevIdStr":"0","content":"股价减半的时候请告诉我，我把房子卖了来买😂😂😂","text":"股价减半的时候请告诉我，我把房子卖了来买😂😂😂","html":"股价减半的时候请告诉我，我把房子卖了来买😂😂😂"}],"verified":10,"allocateAmount":0,"commentType":"valid","coins":0,"score":0},{"id":309633,"commentId":"309633","gmtCreate":1495786271219,"gmtModify":1495786271219,"authorId":6767887359794,"author":{"id":6767887359794,"idStr":"6767887359794","authorId":6767887359794,"name":"已销户","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":62001,"objectIdStr":"62001","type":1,"supId":0,"supIdStr":"0","prevId":0,"prevIdStr":"0","content":"信而富虽是中钙，但好歹也在美国出生，YRD在老美眼里就是中钙土鳖😂","text":"信而富虽是中钙，但好歹也在美国出生，YRD在老美眼里就是中钙土鳖😂","html":"信而富虽是中钙，但好歹也在美国出生，YRD在老美眼里就是中钙土鳖😂","likeSize":0,"commentSize":1,"subComments":[{"id":309643,"commentId":"309643","gmtCreate":1495786764896,"gmtModify":1495786764896,"authorId":3447505082800984,"author":{"id":3447505082800984,"idStr":"3447505082800984","authorId":3447505082800984,"name":"bbz","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":62001,"objectIdStr":"62001","type":1,"supId":309633,"supIdStr":"309633","prevId":0,"prevIdStr":"0","content":"看到最新的做空数据，宜人贷做空股数少了14万股，回补天数下降到五天，然而还是亚历山大😓😓","text":"看到最新的做空数据，宜人贷做空股数少了14万股，回补天数下降到五天，然而还是亚历山大😓😓","html":"看到最新的做空数据，宜人贷做空股数少了14万股，回补天数下降到五天，然而还是亚历山大😓😓"}],"verified":10,"allocateAmount":0,"commentType":"valid","coins":0,"score":0},{"id":309594,"commentId":"309594","gmtCreate":1495781853092,"gmtModify":1495781853092,"authorId":3447505082800984,"author":{"id":3447505082800984,"idStr":"3447505082800984","authorId":3447505082800984,"name":"bbz","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":62001,"objectIdStr":"62001","type":1,"supId":0,"supIdStr":"0","prevId":0,"prevIdStr":"0","content":"按照空头的逻辑，宜人贷的风控尚且如此，那信而富做的还是现金贷，财报连坏账率都不披露，风控岂不是😂😂😂😱😱😱","text":"按照空头的逻辑，宜人贷的风控尚且如此，那信而富做的还是现金贷，财报连坏账率都不披露，风控岂不是😂😂😂😱😱😱","html":"按照空头的逻辑，宜人贷的风控尚且如此，那信而富做的还是现金贷，财报连坏账率都不披露，风控岂不是😂😂😂😱😱😱","likeSize":0,"commentSize":3,"subComments":[{"id":354365,"commentId":"354365","gmtCreate":1499088488730,"gmtModify":1499088488730,"authorId":3456273750388534,"author":{"id":3456273750388534,"idStr":"3456273750388534","authorId":3456273750388534,"name":"张小严","avatar":"https://static.laohu8.com/12f5a6156b540de867adc63e0dade382","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":3461541288907380,"repliedAuthor":{"id":3461541288907380,"idStr":"3461541288907380","authorId":3461541288907380,"name":"巴菲特簇拥","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"objectId":62001,"objectIdStr":"62001","type":1,"supId":309594,"supIdStr":"309594","prevId":353672,"prevIdStr":"353672","content":"你搞一个看看\n ","text":"你搞一个看看\n ","html":"你搞一个看看\n "},{"id":353672,"commentId":"353672","gmtCreate":1499039310816,"gmtModify":1499039310816,"authorId":3461541288907380,"author":{"id":3461541288907380,"idStr":"3461541288907380","authorId":3461541288907380,"name":"巴菲特簇拥","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":3456273750388534,"repliedAuthor":{"id":3456273750388534,"idStr":"3456273750388534","authorId":3456273750388534,"name":"张小严","avatar":"https://static.laohu8.com/12f5a6156b540de867adc63e0dade382","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"objectId":62001,"objectIdStr":"62001","type":1,"supId":309594,"supIdStr":"309594","prevId":317394,"prevIdStr":"317394","content":"3亿美金的盘子好意思叫上司公司？明年倒闭","text":"3亿美金的盘子好意思叫上司公司？明年倒闭","html":"3亿美金的盘子好意思叫上司公司？明年倒闭"},{"id":317394,"commentId":"317394","gmtCreate":1496763322161,"gmtModify":1496763322161,"authorId":3456273750388534,"author":{"id":3456273750388534,"idStr":"3456273750388534","authorId":3456273750388534,"name":"张小严","avatar":"https://static.laohu8.com/12f5a6156b540de867adc63e0dade382","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":62001,"objectIdStr":"62001","type":1,"supId":309594,"supIdStr":"309594","prevId":0,"prevIdStr":"0","content":"不懂，不要说话","text":"不懂，不要说话","html":"不懂，不要说话"}],"verified":10,"allocateAmount":0,"commentType":"valid","coins":0,"score":0},{"id":309789,"commentId":"309789","gmtCreate":1495795236096,"gmtModify":1495795236096,"authorId":3440025831738312,"author":{"id":3440025831738312,"idStr":"3440025831738312","authorId":3440025831738312,"name":"T20211213690","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":62001,"objectIdStr":"62001","type":1,"supId":0,"supIdStr":"0","prevId":0,"prevIdStr":"0","content":"信而富每个新客户的获客成本是17美元左右，所以信而富才拼命的亏损去获得这么低成本的新客户，再说了宜人贷的风险控制水平不一定比信而富优秀！","text":"信而富每个新客户的获客成本是17美元左右，所以信而富才拼命的亏损去获得这么低成本的新客户，再说了宜人贷的风险控制水平不一定比信而富优秀！","html":"信而富每个新客户的获客成本是17美元左右，所以信而富才拼命的亏损去获得这么低成本的新客户，再说了宜人贷的风险控制水平不一定比信而富优秀！","likeSize":0,"commentSize":1,"subComments":[{"id":309805,"commentId":"309805","gmtCreate":1495796751908,"gmtModify":1495796751908,"authorId":42667501353216,"author":{"id":42667501353216,"idStr":"42667501353216","authorId":42667501353216,"name":"挖掘牛guo","avatar":"https://static.tigerbbs.com/6706af95c62d270b5d88bf8651d0e03b","vip":1,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":62001,"objectIdStr":"62001","type":1,"supId":309789,"supIdStr":"309789","prevId":0,"prevIdStr":"0","content":"你错了，宜信的风控很强的，我知道事实","text":"你错了，宜信的风控很强的，我知道事实","html":"你错了，宜信的风控很强的，我知道事实"}],"verified":10,"allocateAmount":0,"commentType":"valid","coins":0,"score":0}],"isCommentEnd":false,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/62001"}