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carny
Day Trader
IP属地:未知
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热门
carny
2021-01-07
$第九城市(NCTY)$
朱骏要乐死了
carny
2020-12-02
$Auris Medical Holding AG(EARS)$
刀口舔血,大家最近都很寂寞呀,急需毛票放个血
carny
2020-11-27
$云集(YJ)$
**,知道自己马上要发很烂的财报,提前放出与抖音合作的新闻
carny
2020-11-27
$云集(YJ)$
刀口舔血
carny
2020-11-26
$云集(YJ)$
中概股的一贯作风
carny
2020-11-25
$易恒健康(MOHO)$
你们一帮整天忽悠大家接盘的sb们
carny
2020-11-25
$云集(YJ)$
停盘了?
carny
2020-08-10
平安的东西要打折的
陆金所已秘密在美国申请IPO
carny
2020-07-29
$柯达(KODK)$
柯达太会蹭热度了,之前是蹭比特币,现在是蹭疫情,自己到底有几斤几两没个逼数吗,立帖为证,一个星期后跌回原样
carny
2020-07-07
$Hepion Pharmaceuticals, Inc.(HEPA)$
太猛了
carny
2020-06-11
$嘉银金科(JFIN)$
还有一波,冲鸭
carny
2020-04-16
$正一科技(MOSY)$
撤了哈,毛票不能呆着
carny
2020-04-15
$AgEagle Aerial Systems, Inc.(UAVS)$
不能空吗
carny
2020-04-13
$Borqs Technologies, Inc.(BRQS)$
20倍股,冲鸭
carny
2020-04-08
$Youngevity International, Inc.(YGYI)$
韭菜割的一波接一波
carny
2020-03-31
$VIVUS Inc(VVUS)$
撤啦,有点贪心了
carny
2020-02-04
$特斯拉(TSLA)$
特斯拉不做成普通消费者买的起的车,永远都爬不起来
carny
2019-12-03
$Aslan Pharmaceuticals Ltd.(ASLN)$
一把跌回解放前
carny
2019-10-14
$Synthesis Energy Systems, Inc.(SES)$
今天很疯狂啊
carny
2019-09-20
$Datadog(DDOG)$
自己作死
去老虎APP查看更多动态
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href=\"https://laohu8.com/S/YJ\">$云集(YJ)$</a>停盘了?","text":"$云集(YJ)$停盘了?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/393342823","isVote":1,"tweetType":1,"viewCount":2005,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":944504714,"gmtCreate":1597054976138,"gmtModify":1704214166921,"author":{"id":"3469041893640287","authorId":"3469041893640287","name":"carny","avatar":"https://static.laohu8.com/2d8b966ed2964fa3851f7666a6deb397","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3469041893640287","authorIdStr":"3469041893640287"},"themes":[],"htmlText":"平安的东西要打折的","listText":"平安的东西要打折的","text":"平安的东西要打折的","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/944504714","repostId":"1144310775","repostType":4,"repost":{"id":"1144310775","kind":"news","weMediaInfo":{"introduction":"为用户提供金融资讯、行情、数据,旨在帮助投资者理解世界,做投资决策。","home_visible":1,"media_name":"老虎资讯综合","id":"102","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1597052067,"share":"https://www.laohu8.com/m/news/1144310775?lang=&edition=full","pubTime":"2020-08-10 17:34","market":"us","language":"zh","title":"陆金所已秘密在美国申请IPO","url":"https://stock-news.laohu8.com/highlight/detail?id=1144310775","media":"老虎资讯综合","summary":"面临全面转型的陆金所,为何会在这一节点启动赴美上市,或另有深意。","content":"<p><b>消息称陆金所已秘密在美国申请IPO</b>。陆金所回应称,对市场传闻没有评论。</p><p>据外媒消息,陆金所已经聘请了<a href=\"https://laohu8.com/S/BAC\">美国银行</a>、<a href=\"https://laohu8.com/S/GS\">高盛</a>、<a href=\"https://laohu8.com/S/HSBC\">汇丰</a>、<a href=\"https://laohu8.com/S/JPM\">摩根大通</a>等华尔街投行负责其纳斯达克上市工作。若上市成功,陆金所将成为又一个体量巨大的独角兽企业。</p><p><img src=\"https://static.tigerbbs.com/c3d6c8b7eaab28929aa964aec12643dd\" tg-width=\"1080\" tg-height=\"719\"></p><p>作为<a href=\"https://laohu8.com/S/601318\">中国平安</a>孵化的金融科技企业,陆金所头戴多个光环:背靠大金主平安集团,是国内第一家互联网金融科技企业,多年来稳居网贷行业的头部地位。</p><p>在这样的背景下,陆金所的估值也一路走高。早在2014年,其估值便以高达千亿。而对于陆金所的此次赴美上市,有媒体分析,此次估值或将高达1800亿。</p><p>面临全面转型的陆金所,为何会在这一节点启动赴美上市,或另有深意。</p><p><b>成也“P2P”,败也“P2P”</b></p><p>2011年,平安集团董事长马明哲与原麦肯锡全球资深董事计葵生会面,闭门深聊了一个半小时。</p><p>马明哲告诉计葵生,他想要策划一个金融交易所,试图在综合金融实践基础上,借鉴<a href=\"https://laohu8.com/S/CME\">芝加哥商品交易所</a>和美国<a href=\"https://laohu8.com/S/ICE\">洲际交易所</a>的模式和经验,全资建成<b>金融业的“<a href=\"https://laohu8.com/S/BABA\">阿里巴巴</a>+淘宝”</b>。</p><p>其实,早在2009年,平安集团的高层就开始关注和研究金融资产交易所的模式。</p><p>该项目在平安内部被认为是深化综合金融战略、建立以科技引领综合金融模式的核心工作,是下一步集团创新发展的重心所在。平安把当时还处于“概念阶段”的交易所的注册地,选在了中国的金融中心—上海。</p><p>在计葵生加入后,这个被誉为平安未来创新发展的重心迅速落地、开花结果。2011年9月,在上海市政府的大力支持下,“上海<a href=\"https://laohu8.com/S/600663\">陆家嘴</a>国际金融资产交易市场股份有限公司”(陆金所)正式注册成立。</p><p>成立之初的陆金所被定位为“一个开放的平台”,按照当时的规划,该平台的业务应涵盖所有金融机构的产品。<b>从这个意义而言,陆金所是中国互联网金融产业的源头。陆金所是国内第一个“P2P”平台。</b></p><p><img src=\"https://static.tigerbbs.com/84bd656bf3c698ef433548d440c39b61\" tg-width=\"758\" tg-height=\"416\"></p><p>陆金所成立之初,P2P是其核心业务,也是主要的利润的来源。</p><p>依靠率先布局的领先优势和<a href=\"https://laohu8.com/S/02318\">中国平安</a>的强大品牌背书,陆金所的P2P业务做得风生水起。自2012年开始推出P2P业务,陆金所交易量长期居于同行业之首,<b>在2015年第三季度超过了网贷鼻祖Lending Club,成为全球第一大P2P平台。</b></p><p>拥有良好的经营业绩与位居行业头部的超然地位,站在风口上的陆金所势头正旺。在这样强劲的东风之下,陆金所也开起了上市之旅——2015年12月,陆金所首度开始承认上市计划。当时,陆金所CEO计葵生称,最快将于2016年下半年启动上市。</p><p>不过,陆金所上市的计划执行得并不顺利。行业乱象引发的监管政策的趋严,打乱了陆金所的上市节奏。</p><p>2016年2月,刚宣布完成12.16亿美元B轮融资,估值达到185亿美元。但仅仅过了三个月,对P2P行业的监管政策高密度发布,高烧不下的互金行业也瞬间坠入寒冬。</p><p>更加值得注意的是,陆金所自身也遭遇了暴雷、违约等一系列危机,其代销的资管产品暴雷事件频发,即便是头部平台也难逃行业的巨大风险。</p><p>在这样的环境下,陆金所的上市之旅不确定激增,陆金所的上市计划延宕至今也未实现。</p><p><b>从P2P走向2B端</b></p><p>野蛮生长,必然带来秩序的失衡,P2P行业的魅力不再。而陆金所再次表现出其敏感的政策嗅觉和快捷的反应速度。</p><p>公开资料显示,早在2016底年陆金所便开始压缩P2P业务,推进去P2P化的改革。</p><p>2019年7月,有消息称,陆金所将全面退出P2P业务,尽管这一消息被陆金所方面证伪。但陆金所方面坦承正配合监管做好“三降”工作。而三降指的是降存量规模、降借款余额和降投资人数。陆金服的去P2P化趋势明显。</p><p><b>不过,去P2P化对陆金所的影响并非是伤筋动骨。</b></p><p>早在2015年,P2P业务所占的份额,便下降到10%左右。近年来,这一比重进一步下降,目前仅占3%左右。陆金所持续推进去P2P化,对主业的影响可以说是微乎其微。</p><p><b>更加值得注意的是,陆金所成功获得消费金融这一全新领域的入场券。</b></p><p>今年3月30日,平安消费金融正式获批,成为今年第一家获批开业的消费金融公司。该牌照的获得,使得陆金所可以合法承载个人借贷业务,顺利实现了转型。</p><p>从平台生态建设的角度来说,陆金所的布局也初见成效,其要将陆金所打造成金融业超级平台的初衷也得以落地。</p><p>2016年,陆金所控股完成了对普惠金融业务和重金所业务的重组,形成旗下陆金所、重金所(重庆金融资产交易所)、前交所(深圳前海金融资产交易所)、普惠金融“三所一惠”战略布局,全面布局财富管理、机构间交易和消费金融领域,打造在财富管理领域的“天猫”平台。</p><p>2017年8月,平安集团在新加坡宣布旗下旗下陆金所的国际业务平台,陆国际金融资产交易所(新加坡)有限公司(简称“陆国际”)已获得新加坡金融管理局(MAS)原则性批准,取得“资本市场服务牌照”,正式在新加坡开业,于8月上线。至此,陆金所“四所一惠”战略布局全新亮相。</p><p>陆金所将“四所一惠”的布局表述为覆盖个人、企业、金融机构以及政府部门,相互之间的业务往来和用户共享产生协同效应、壁垒极高,促使陆金所发展成领先的互联网金融交易<a href=\"https://laohu8.com/S/III\">信息服务</a>平台。</p><p><b>尽管,无论是从影响力还是用户黏性的角度来说,陆金所很难与蚂蚁同日而语,但这一全品类、多角度的金融服务体系确实已经成功抢占到行业的制高点。</b></p><p>2018年底,计葵生发表了一封名为《新期待,新未来》的内部公开信。在这封信中,他将陆金所称为“一家中国乃至全球领先的综合性线上财富管理公司”,点明了陆金所的未来定位。</p><p>根据平安集团的年报,陆金所已经与300多家机构建立了资产端的合作关系,活跃投资客户有1250万,能够提供的金融服务产品达到7000多种。在B端资产规模方面,2019年已经达到了652.25亿元,相比2018年的74.09亿元,增幅高达780.3%。</p><p>值得注意的是,这些B端资产,是通过与信托、银行等深度合作,嫁接陆金所的科技赋能系统所产生的资产余额,<b>这意味着陆金所自发力B端业务以来谋求金融科技转型已初步成功。</b></p><p>根据中国平安今年的一季度报,截至今年3月底,陆金所控股的客户资产规模已经增至3548.48亿元,管理贷款余额较年初增长了9.5%,至5062.75亿元。</p><p>从这个角度来说,经历了去P2P2的陆金所,甩掉了这一负资产,在资本市场的认可度将进一步得到提升,也为上市进一步扫清了障碍。</p><p><b>是IPO的好时机吗</b></p><p><a href=\"https://laohu8.com/S/LK\">瑞幸咖啡</a>暴雷之后,美国资本市场对中概股的不友好情绪激增,美股市场正在上演“中概股大撤退”。在这样的背景下,陆金所为何仍然要坚持赴美上市呢?</p><p></p><p><img src=\"https://static.tigerbbs.com/9c96ed7d7b51f79a6c32f6450546b1e5\" tg-width=\"752\" tg-height=\"494\"></p><p>或者,陆金所是基于如下的考量。</p><p>首先,陆金所自身的定位是一家国际化的金融服务机构,其业务体系、服务群体不是仅限于国内市场,而是希望立足国内、将生意做到全球。<b>选择登陆美股市场,更有利于其在国际市场展开金融业务的扩张。</b></p><p>以美国股市为切入点,陆金所可以进入美国的金融市场,为美国的客户开展金融服务。能够以资本的方式,低成本进入世界上最为发达、成熟的金融市场,这种便利和优势,对于陆金所来说是绝无仅有。</p><p>再者,<b>选择在美国市场冲击IPO,可以获得更高水平的估值。</b></p><p>尽管自2017年以来,陆金所展开了卓有成效的去P2P化改革,但在短期内,陆金所很难摘掉互金的标签。平台频繁暴雷、政策监管不断加码,种种不确定性因素的叠加势必影响总体的估值。而美国资本市场的成熟度更高,其对于企业价值的判断更为理性。在当下的市场环境下,陆金所转战纳斯达克市场,显然会获得更高水平的估值。</p><p>但仍需警惕监管风险,这不只是指陆金所,还有蚂蚁集团。</p><p>据研究公司Bernstein Research估计,面向C端的小微贷款在2017年大部分时间里为蚂蚁集团提供了近20%的利润。但随着监管政策变动,2017年第四季度的收益仅为1.93亿元,远低于第三季度的20亿元。</p><p>2017年,P2P贷款是中国互联网金融的主要形式,未偿贷款总额高达1.1万亿元。而据中信里昂证券数据,蚂蚁集团和陆金所的网络贷款逾期率分别为32%和13%。</p><p>对此,彭博社指出,陆金所在招股书上披露这些资产负债情况时,需要想方设法解释2018年-2019年这段尴尬时期。<b>如何才能让外国投资者信任并理解中国金融行业,是所有金融科技公司需要思考的问题。</b></p><p>当然,相较于已经过气的P2P,致力于平台生态建设的陆金所在讲的新故事,显然更有想象力。但是否真的具有说服力,就要看含着金钥匙出生的陆金所上市后的表现了。</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>陆金所已秘密在美国申请IPO</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; 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width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n陆金所已秘密在美国申请IPO\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/102\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">老虎资讯综合 </p>\n<p class=\"h-time\">2020-08-10 17:34</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p><b>消息称陆金所已秘密在美国申请IPO</b>。陆金所回应称,对市场传闻没有评论。</p><p>据外媒消息,陆金所已经聘请了<a href=\"https://laohu8.com/S/BAC\">美国银行</a>、<a href=\"https://laohu8.com/S/GS\">高盛</a>、<a href=\"https://laohu8.com/S/HSBC\">汇丰</a>、<a href=\"https://laohu8.com/S/JPM\">摩根大通</a>等华尔街投行负责其纳斯达克上市工作。若上市成功,陆金所将成为又一个体量巨大的独角兽企业。</p><p><img src=\"https://static.tigerbbs.com/c3d6c8b7eaab28929aa964aec12643dd\" tg-width=\"1080\" tg-height=\"719\"></p><p>作为<a href=\"https://laohu8.com/S/601318\">中国平安</a>孵化的金融科技企业,陆金所头戴多个光环:背靠大金主平安集团,是国内第一家互联网金融科技企业,多年来稳居网贷行业的头部地位。</p><p>在这样的背景下,陆金所的估值也一路走高。早在2014年,其估值便以高达千亿。而对于陆金所的此次赴美上市,有媒体分析,此次估值或将高达1800亿。</p><p>面临全面转型的陆金所,为何会在这一节点启动赴美上市,或另有深意。</p><p><b>成也“P2P”,败也“P2P”</b></p><p>2011年,平安集团董事长马明哲与原麦肯锡全球资深董事计葵生会面,闭门深聊了一个半小时。</p><p>马明哲告诉计葵生,他想要策划一个金融交易所,试图在综合金融实践基础上,借鉴<a href=\"https://laohu8.com/S/CME\">芝加哥商品交易所</a>和美国<a href=\"https://laohu8.com/S/ICE\">洲际交易所</a>的模式和经验,全资建成<b>金融业的“<a href=\"https://laohu8.com/S/BABA\">阿里巴巴</a>+淘宝”</b>。</p><p>其实,早在2009年,平安集团的高层就开始关注和研究金融资产交易所的模式。</p><p>该项目在平安内部被认为是深化综合金融战略、建立以科技引领综合金融模式的核心工作,是下一步集团创新发展的重心所在。平安把当时还处于“概念阶段”的交易所的注册地,选在了中国的金融中心—上海。</p><p>在计葵生加入后,这个被誉为平安未来创新发展的重心迅速落地、开花结果。2011年9月,在上海市政府的大力支持下,“上海<a href=\"https://laohu8.com/S/600663\">陆家嘴</a>国际金融资产交易市场股份有限公司”(陆金所)正式注册成立。</p><p>成立之初的陆金所被定位为“一个开放的平台”,按照当时的规划,该平台的业务应涵盖所有金融机构的产品。<b>从这个意义而言,陆金所是中国互联网金融产业的源头。陆金所是国内第一个“P2P”平台。</b></p><p><img src=\"https://static.tigerbbs.com/84bd656bf3c698ef433548d440c39b61\" tg-width=\"758\" tg-height=\"416\"></p><p>陆金所成立之初,P2P是其核心业务,也是主要的利润的来源。</p><p>依靠率先布局的领先优势和<a href=\"https://laohu8.com/S/02318\">中国平安</a>的强大品牌背书,陆金所的P2P业务做得风生水起。自2012年开始推出P2P业务,陆金所交易量长期居于同行业之首,<b>在2015年第三季度超过了网贷鼻祖Lending Club,成为全球第一大P2P平台。</b></p><p>拥有良好的经营业绩与位居行业头部的超然地位,站在风口上的陆金所势头正旺。在这样强劲的东风之下,陆金所也开起了上市之旅——2015年12月,陆金所首度开始承认上市计划。当时,陆金所CEO计葵生称,最快将于2016年下半年启动上市。</p><p>不过,陆金所上市的计划执行得并不顺利。行业乱象引发的监管政策的趋严,打乱了陆金所的上市节奏。</p><p>2016年2月,刚宣布完成12.16亿美元B轮融资,估值达到185亿美元。但仅仅过了三个月,对P2P行业的监管政策高密度发布,高烧不下的互金行业也瞬间坠入寒冬。</p><p>更加值得注意的是,陆金所自身也遭遇了暴雷、违约等一系列危机,其代销的资管产品暴雷事件频发,即便是头部平台也难逃行业的巨大风险。</p><p>在这样的环境下,陆金所的上市之旅不确定激增,陆金所的上市计划延宕至今也未实现。</p><p><b>从P2P走向2B端</b></p><p>野蛮生长,必然带来秩序的失衡,P2P行业的魅力不再。而陆金所再次表现出其敏感的政策嗅觉和快捷的反应速度。</p><p>公开资料显示,早在2016底年陆金所便开始压缩P2P业务,推进去P2P化的改革。</p><p>2019年7月,有消息称,陆金所将全面退出P2P业务,尽管这一消息被陆金所方面证伪。但陆金所方面坦承正配合监管做好“三降”工作。而三降指的是降存量规模、降借款余额和降投资人数。陆金服的去P2P化趋势明显。</p><p><b>不过,去P2P化对陆金所的影响并非是伤筋动骨。</b></p><p>早在2015年,P2P业务所占的份额,便下降到10%左右。近年来,这一比重进一步下降,目前仅占3%左右。陆金所持续推进去P2P化,对主业的影响可以说是微乎其微。</p><p><b>更加值得注意的是,陆金所成功获得消费金融这一全新领域的入场券。</b></p><p>今年3月30日,平安消费金融正式获批,成为今年第一家获批开业的消费金融公司。该牌照的获得,使得陆金所可以合法承载个人借贷业务,顺利实现了转型。</p><p>从平台生态建设的角度来说,陆金所的布局也初见成效,其要将陆金所打造成金融业超级平台的初衷也得以落地。</p><p>2016年,陆金所控股完成了对普惠金融业务和重金所业务的重组,形成旗下陆金所、重金所(重庆金融资产交易所)、前交所(深圳前海金融资产交易所)、普惠金融“三所一惠”战略布局,全面布局财富管理、机构间交易和消费金融领域,打造在财富管理领域的“天猫”平台。</p><p>2017年8月,平安集团在新加坡宣布旗下旗下陆金所的国际业务平台,陆国际金融资产交易所(新加坡)有限公司(简称“陆国际”)已获得新加坡金融管理局(MAS)原则性批准,取得“资本市场服务牌照”,正式在新加坡开业,于8月上线。至此,陆金所“四所一惠”战略布局全新亮相。</p><p>陆金所将“四所一惠”的布局表述为覆盖个人、企业、金融机构以及政府部门,相互之间的业务往来和用户共享产生协同效应、壁垒极高,促使陆金所发展成领先的互联网金融交易<a href=\"https://laohu8.com/S/III\">信息服务</a>平台。</p><p><b>尽管,无论是从影响力还是用户黏性的角度来说,陆金所很难与蚂蚁同日而语,但这一全品类、多角度的金融服务体系确实已经成功抢占到行业的制高点。</b></p><p>2018年底,计葵生发表了一封名为《新期待,新未来》的内部公开信。在这封信中,他将陆金所称为“一家中国乃至全球领先的综合性线上财富管理公司”,点明了陆金所的未来定位。</p><p>根据平安集团的年报,陆金所已经与300多家机构建立了资产端的合作关系,活跃投资客户有1250万,能够提供的金融服务产品达到7000多种。在B端资产规模方面,2019年已经达到了652.25亿元,相比2018年的74.09亿元,增幅高达780.3%。</p><p>值得注意的是,这些B端资产,是通过与信托、银行等深度合作,嫁接陆金所的科技赋能系统所产生的资产余额,<b>这意味着陆金所自发力B端业务以来谋求金融科技转型已初步成功。</b></p><p>根据中国平安今年的一季度报,截至今年3月底,陆金所控股的客户资产规模已经增至3548.48亿元,管理贷款余额较年初增长了9.5%,至5062.75亿元。</p><p>从这个角度来说,经历了去P2P2的陆金所,甩掉了这一负资产,在资本市场的认可度将进一步得到提升,也为上市进一步扫清了障碍。</p><p><b>是IPO的好时机吗</b></p><p><a href=\"https://laohu8.com/S/LK\">瑞幸咖啡</a>暴雷之后,美国资本市场对中概股的不友好情绪激增,美股市场正在上演“中概股大撤退”。在这样的背景下,陆金所为何仍然要坚持赴美上市呢?</p><p></p><p><img src=\"https://static.tigerbbs.com/9c96ed7d7b51f79a6c32f6450546b1e5\" tg-width=\"752\" tg-height=\"494\"></p><p>或者,陆金所是基于如下的考量。</p><p>首先,陆金所自身的定位是一家国际化的金融服务机构,其业务体系、服务群体不是仅限于国内市场,而是希望立足国内、将生意做到全球。<b>选择登陆美股市场,更有利于其在国际市场展开金融业务的扩张。</b></p><p>以美国股市为切入点,陆金所可以进入美国的金融市场,为美国的客户开展金融服务。能够以资本的方式,低成本进入世界上最为发达、成熟的金融市场,这种便利和优势,对于陆金所来说是绝无仅有。</p><p>再者,<b>选择在美国市场冲击IPO,可以获得更高水平的估值。</b></p><p>尽管自2017年以来,陆金所展开了卓有成效的去P2P化改革,但在短期内,陆金所很难摘掉互金的标签。平台频繁暴雷、政策监管不断加码,种种不确定性因素的叠加势必影响总体的估值。而美国资本市场的成熟度更高,其对于企业价值的判断更为理性。在当下的市场环境下,陆金所转战纳斯达克市场,显然会获得更高水平的估值。</p><p>但仍需警惕监管风险,这不只是指陆金所,还有蚂蚁集团。</p><p>据研究公司Bernstein Research估计,面向C端的小微贷款在2017年大部分时间里为蚂蚁集团提供了近20%的利润。但随着监管政策变动,2017年第四季度的收益仅为1.93亿元,远低于第三季度的20亿元。</p><p>2017年,P2P贷款是中国互联网金融的主要形式,未偿贷款总额高达1.1万亿元。而据中信里昂证券数据,蚂蚁集团和陆金所的网络贷款逾期率分别为32%和13%。</p><p>对此,彭博社指出,陆金所在招股书上披露这些资产负债情况时,需要想方设法解释2018年-2019年这段尴尬时期。<b>如何才能让外国投资者信任并理解中国金融行业,是所有金融科技公司需要思考的问题。</b></p><p>当然,相较于已经过气的P2P,致力于平台生态建设的陆金所在讲的新故事,显然更有想象力。但是否真的具有说服力,就要看含着金钥匙出生的陆金所上市后的表现了。</p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/07be014965fc24a09352d52b98f8efbc","relate_stocks":{"601318":"中国平安","PNGAY":"中国平安ADR","02318":"中国平安"},"is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1144310775","content_text":"消息称陆金所已秘密在美国申请IPO。陆金所回应称,对市场传闻没有评论。据外媒消息,陆金所已经聘请了美国银行、高盛、汇丰、摩根大通等华尔街投行负责其纳斯达克上市工作。若上市成功,陆金所将成为又一个体量巨大的独角兽企业。作为中国平安孵化的金融科技企业,陆金所头戴多个光环:背靠大金主平安集团,是国内第一家互联网金融科技企业,多年来稳居网贷行业的头部地位。在这样的背景下,陆金所的估值也一路走高。早在2014年,其估值便以高达千亿。而对于陆金所的此次赴美上市,有媒体分析,此次估值或将高达1800亿。面临全面转型的陆金所,为何会在这一节点启动赴美上市,或另有深意。成也“P2P”,败也“P2P”2011年,平安集团董事长马明哲与原麦肯锡全球资深董事计葵生会面,闭门深聊了一个半小时。马明哲告诉计葵生,他想要策划一个金融交易所,试图在综合金融实践基础上,借鉴芝加哥商品交易所和美国洲际交易所的模式和经验,全资建成金融业的“阿里巴巴+淘宝”。其实,早在2009年,平安集团的高层就开始关注和研究金融资产交易所的模式。该项目在平安内部被认为是深化综合金融战略、建立以科技引领综合金融模式的核心工作,是下一步集团创新发展的重心所在。平安把当时还处于“概念阶段”的交易所的注册地,选在了中国的金融中心—上海。在计葵生加入后,这个被誉为平安未来创新发展的重心迅速落地、开花结果。2011年9月,在上海市政府的大力支持下,“上海陆家嘴国际金融资产交易市场股份有限公司”(陆金所)正式注册成立。成立之初的陆金所被定位为“一个开放的平台”,按照当时的规划,该平台的业务应涵盖所有金融机构的产品。从这个意义而言,陆金所是中国互联网金融产业的源头。陆金所是国内第一个“P2P”平台。陆金所成立之初,P2P是其核心业务,也是主要的利润的来源。依靠率先布局的领先优势和中国平安的强大品牌背书,陆金所的P2P业务做得风生水起。自2012年开始推出P2P业务,陆金所交易量长期居于同行业之首,在2015年第三季度超过了网贷鼻祖Lending Club,成为全球第一大P2P平台。拥有良好的经营业绩与位居行业头部的超然地位,站在风口上的陆金所势头正旺。在这样强劲的东风之下,陆金所也开起了上市之旅——2015年12月,陆金所首度开始承认上市计划。当时,陆金所CEO计葵生称,最快将于2016年下半年启动上市。不过,陆金所上市的计划执行得并不顺利。行业乱象引发的监管政策的趋严,打乱了陆金所的上市节奏。2016年2月,刚宣布完成12.16亿美元B轮融资,估值达到185亿美元。但仅仅过了三个月,对P2P行业的监管政策高密度发布,高烧不下的互金行业也瞬间坠入寒冬。更加值得注意的是,陆金所自身也遭遇了暴雷、违约等一系列危机,其代销的资管产品暴雷事件频发,即便是头部平台也难逃行业的巨大风险。在这样的环境下,陆金所的上市之旅不确定激增,陆金所的上市计划延宕至今也未实现。从P2P走向2B端野蛮生长,必然带来秩序的失衡,P2P行业的魅力不再。而陆金所再次表现出其敏感的政策嗅觉和快捷的反应速度。公开资料显示,早在2016底年陆金所便开始压缩P2P业务,推进去P2P化的改革。2019年7月,有消息称,陆金所将全面退出P2P业务,尽管这一消息被陆金所方面证伪。但陆金所方面坦承正配合监管做好“三降”工作。而三降指的是降存量规模、降借款余额和降投资人数。陆金服的去P2P化趋势明显。不过,去P2P化对陆金所的影响并非是伤筋动骨。早在2015年,P2P业务所占的份额,便下降到10%左右。近年来,这一比重进一步下降,目前仅占3%左右。陆金所持续推进去P2P化,对主业的影响可以说是微乎其微。更加值得注意的是,陆金所成功获得消费金融这一全新领域的入场券。今年3月30日,平安消费金融正式获批,成为今年第一家获批开业的消费金融公司。该牌照的获得,使得陆金所可以合法承载个人借贷业务,顺利实现了转型。从平台生态建设的角度来说,陆金所的布局也初见成效,其要将陆金所打造成金融业超级平台的初衷也得以落地。2016年,陆金所控股完成了对普惠金融业务和重金所业务的重组,形成旗下陆金所、重金所(重庆金融资产交易所)、前交所(深圳前海金融资产交易所)、普惠金融“三所一惠”战略布局,全面布局财富管理、机构间交易和消费金融领域,打造在财富管理领域的“天猫”平台。2017年8月,平安集团在新加坡宣布旗下旗下陆金所的国际业务平台,陆国际金融资产交易所(新加坡)有限公司(简称“陆国际”)已获得新加坡金融管理局(MAS)原则性批准,取得“资本市场服务牌照”,正式在新加坡开业,于8月上线。至此,陆金所“四所一惠”战略布局全新亮相。陆金所将“四所一惠”的布局表述为覆盖个人、企业、金融机构以及政府部门,相互之间的业务往来和用户共享产生协同效应、壁垒极高,促使陆金所发展成领先的互联网金融交易信息服务平台。尽管,无论是从影响力还是用户黏性的角度来说,陆金所很难与蚂蚁同日而语,但这一全品类、多角度的金融服务体系确实已经成功抢占到行业的制高点。2018年底,计葵生发表了一封名为《新期待,新未来》的内部公开信。在这封信中,他将陆金所称为“一家中国乃至全球领先的综合性线上财富管理公司”,点明了陆金所的未来定位。根据平安集团的年报,陆金所已经与300多家机构建立了资产端的合作关系,活跃投资客户有1250万,能够提供的金融服务产品达到7000多种。在B端资产规模方面,2019年已经达到了652.25亿元,相比2018年的74.09亿元,增幅高达780.3%。值得注意的是,这些B端资产,是通过与信托、银行等深度合作,嫁接陆金所的科技赋能系统所产生的资产余额,这意味着陆金所自发力B端业务以来谋求金融科技转型已初步成功。根据中国平安今年的一季度报,截至今年3月底,陆金所控股的客户资产规模已经增至3548.48亿元,管理贷款余额较年初增长了9.5%,至5062.75亿元。从这个角度来说,经历了去P2P2的陆金所,甩掉了这一负资产,在资本市场的认可度将进一步得到提升,也为上市进一步扫清了障碍。是IPO的好时机吗瑞幸咖啡暴雷之后,美国资本市场对中概股的不友好情绪激增,美股市场正在上演“中概股大撤退”。在这样的背景下,陆金所为何仍然要坚持赴美上市呢?或者,陆金所是基于如下的考量。首先,陆金所自身的定位是一家国际化的金融服务机构,其业务体系、服务群体不是仅限于国内市场,而是希望立足国内、将生意做到全球。选择登陆美股市场,更有利于其在国际市场展开金融业务的扩张。以美国股市为切入点,陆金所可以进入美国的金融市场,为美国的客户开展金融服务。能够以资本的方式,低成本进入世界上最为发达、成熟的金融市场,这种便利和优势,对于陆金所来说是绝无仅有。再者,选择在美国市场冲击IPO,可以获得更高水平的估值。尽管自2017年以来,陆金所展开了卓有成效的去P2P化改革,但在短期内,陆金所很难摘掉互金的标签。平台频繁暴雷、政策监管不断加码,种种不确定性因素的叠加势必影响总体的估值。而美国资本市场的成熟度更高,其对于企业价值的判断更为理性。在当下的市场环境下,陆金所转战纳斯达克市场,显然会获得更高水平的估值。但仍需警惕监管风险,这不只是指陆金所,还有蚂蚁集团。据研究公司Bernstein Research估计,面向C端的小微贷款在2017年大部分时间里为蚂蚁集团提供了近20%的利润。但随着监管政策变动,2017年第四季度的收益仅为1.93亿元,远低于第三季度的20亿元。2017年,P2P贷款是中国互联网金融的主要形式,未偿贷款总额高达1.1万亿元。而据中信里昂证券数据,蚂蚁集团和陆金所的网络贷款逾期率分别为32%和13%。对此,彭博社指出,陆金所在招股书上披露这些资产负债情况时,需要想方设法解释2018年-2019年这段尴尬时期。如何才能让外国投资者信任并理解中国金融行业,是所有金融科技公司需要思考的问题。当然,相较于已经过气的P2P,致力于平台生态建设的陆金所在讲的新故事,显然更有想象力。但是否真的具有说服力,就要看含着金钥匙出生的陆金所上市后的表现了。","news_type":1},"isVote":1,"tweetType":1,"viewCount":2025,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":946709555,"gmtCreate":1595968736977,"gmtModify":1704210446330,"author":{"id":"3469041893640287","authorId":"3469041893640287","name":"carny","avatar":"https://static.laohu8.com/2d8b966ed2964fa3851f7666a6deb397","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3469041893640287","authorIdStr":"3469041893640287"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/KODK\">$柯达(KODK)$</a>柯达太会蹭热度了,之前是蹭比特币,现在是蹭疫情,自己到底有几斤几两没个逼数吗,立帖为证,一个星期后跌回原样","listText":"<a 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