负和博弈常识的个人主页 - 老虎社区

负和博弈常识

负和博弈常识

4096≡2¹²=｛少动+正确｝

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负和博弈常识

2019-09-06

@小虎活动《千金难买牛回头》老虎专属！威猛行情。未来可期，老虎加油！$老虎证券(TIGR)$

负和博弈常识

2019-09-22

别人：宁做韭菜不当马仔[开心] [开心] [捂嘴] 一开始我笑了，之后陷入深深的思考～人生啊人生

负和博弈常识

2020-03-09

$WTI原油主连(CLmain)$，人生能有几回搏？命！都是命

负和博弈常识

2020-10-03

特[生病] 问题不大，后续看[看涨] $WTI原油主连(CLmain)$

负和博弈常识

2020-02-03

$上证指数(000001.SH)$ 历史将会记住今天😭

负和博弈常识

2022-01-25

向恶劣资本发起攻击，以革命重塑打倒剥削规则，视死如归，此乃吾辈使命也！

遭遇恶意伤人事件？360回应

负和博弈常识

2022-08-27

剥削金融

五家上市助贷平台二季度业务全对比

去老虎APP查看更多动态

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href=\"https://laohu8.com/FUT/CLmain\">$WTI原油主连(CLmain)$ &nbsp;</a>","text":"特[生病] 问题不大，后续看[看涨] $WTI原油主连(CLmain)$","images":[{"img":"https://static.tigerbbs.com/961cf50482d7815bf032dc9ebea8aa34","width":"1080","height":"2244"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/977494454","isVote":1,"tweetType":1,"viewCount":2365,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"CN","totalScore":0},{"id":915320079,"gmtCreate":1580727622391,"gmtModify":1704342021930,"author":{"id":"3494684507602930","authorId":"3494684507602930","name":"负和博弈常识","avatar":"https://static.tigerbbs.com/18a196c0f924d9ba8d7aab44e6d8d428","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/000001.SH\">$上证指数(000001.SH)$</a>&nbsp;历史将会记住今天😭","listText":"<a href=\"https://laohu8.com/S/000001.SH\">$上证指数(000001.SH)$</a>&nbsp;历史将会记住今天😭","text":"$上证指数(000001.SH)$ 历史将会记住今天😭","images":[{"img":"https://static.tigerbbs.com/e07f70fbb1b5d4273a8afa7f482b9c25","width":"1080","height":"980"},{"img":"https://static.tigerbbs.com/dd841946db465f8d566c53a4c6b43ea8","width":"1080","height":"2134"},{"img":"https://static.tigerbbs.com/af5d76ea911d5ce2dcfb496b4e34e660","width":"1080","height":"7217"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/915320079","isVote":1,"tweetType":1,"viewCount":2506,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":3,"langContent":"CN","totalScore":0},{"id":639053763,"gmtCreate":1643094626646,"gmtModify":1643095193291,"author":{"id":"3494684507602930","authorId":"3494684507602930","name":"负和博弈常识","avatar":"https://static.tigerbbs.com/18a196c0f924d9ba8d7aab44e6d8d428","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"向恶劣资本发起攻击，以革命重塑打倒剥削规则，视死如归，此乃吾辈使命也！","listText":"向恶劣资本发起攻击，以革命重塑打倒剥削规则，视死如归，此乃吾辈使命也！","text":"向恶劣资本发起攻击，以革命重塑打倒剥削规则，视死如归，此乃吾辈使命也！","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/639053763","repostId":"1196902402","repostType":2,"repost":{"id":"1196902402","pubTimestamp":1643087815,"share":"https://www.laohu8.com/m/news/1196902402?lang=&edition=full","pubTime":"2022-01-25 13:16","market":"sh","language":"zh","title":"遭遇恶意伤人事件？360回应","url":"https://stock-news.laohu8.com/highlight/detail?id=1196902402","media":"新浪科技","summary":"360公司官方账号转发回应：一切案情相关以警方通报为准。","content":"<html><head></head><body><p>1月25日午间消息，有媒体发博并配图问：“360这是出什么事了？等警方通报 。”360公司官方账号转发回应：一切案情相关以警方通报为准。360谴责一切恶意伤人行为，并即刻配合警方和医院对受伤员工展开救治和慰问。</p><p>据新浪科技获悉，事发360成都分公司，今天上午，一名数科员工被一男子所伤，随即被送往医院救治，目前该男子已被警方控制，</p><p>据悉男子身份为360数科客户。但该说法未得到官方证实。</p><p><img src=\"https://static.tigerbbs.com/33c3bcd24209ee9ddb47c8d0428f3eea\" tg-width=\"630\" tg-height=\"446\" referrerpolicy=\"no-referrer\"/></p></body></html>","source":"sina_tech","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>遭遇恶意伤人事件？360回应</title>\n<style 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}\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { 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遭遇恶意伤人事件？360回应\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-01-25 13:16 北京时间&nbsp;&nbsp;&nbsp;<a href=https://finance.sina.com.cn/tech/2022-01-25/doc-ikyakumy2474843.shtml><strong>新浪科技</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>1月25日午间消息，有媒体发博并配图问：“360这是出什么事了？等警方通报 。”360公司官方账号转发回应：一切案情相关以警方通报为准。360谴责一切恶意伤人行为，并即刻配合警方和医院对受伤员工展开救治和慰问。据新浪科技获悉，事发360成都分公司，今天上午，一名数科员工被一男子所伤，随即被送往医院救治，目前该男子已被警方控制，据悉男子身份为360数科客户。但该说法未得到官方证实。</p>\n\n<a href=\"https://finance.sina.com.cn/tech/2022-01-25/doc-ikyakumy2474843.shtml\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/130ed4ec4f9a45118b1c2f79cb566128","relate_stocks":{"601360":"三六零","QFIN":"奇富科技"},"source_url":"https://finance.sina.com.cn/tech/2022-01-25/doc-ikyakumy2474843.shtml","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1196902402","content_text":"1月25日午间消息，有媒体发博并配图问：“360这是出什么事了？等警方通报 。”360公司官方账号转发回应：一切案情相关以警方通报为准。360谴责一切恶意伤人行为，并即刻配合警方和医院对受伤员工展开救治和慰问。据新浪科技获悉，事发360成都分公司，今天上午，一名数科员工被一男子所伤，随即被送往医院救治，目前该男子已被警方控制，据悉男子身份为360数科客户。但该说法未得到官方证实。","news_type":1},"isVote":1,"tweetType":1,"viewCount":2470,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":660604334,"gmtCreate":1661596222830,"gmtModify":1661596222830,"author":{"id":"3494684507602930","authorId":"3494684507602930","name":"负和博弈常识","avatar":"https://static.tigerbbs.com/18a196c0f924d9ba8d7aab44e6d8d428","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"剥削金融","listText":"剥削金融","text":"剥削金融","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/660604334","repostId":"2262904481","repostType":2,"repost":{"id":"2262904481","pubTimestamp":1661511816,"share":"https://www.laohu8.com/m/news/2262904481?lang=&edition=full","pubTime":"2022-08-26 19:03","market":"sh","language":"zh","title":"五家上市助贷平台二季度业务全对比","url":"https://stock-news.laohu8.com/highlight/detail?id=2262904481","media":"零壹财经","summary":"二季度，五家平台的增速分化，360数科降速，乐信环比止跌回升，嘉银金科增速最高。在五家平台中，嘉银金科的增长最为突出，二季度实现营业收入8.1亿元，同比增长64.9%，环比增长58.8%；实现净利润2.5亿元，同比翻番，环比增长75.5%。二季度，乐信的技术平台服务收入为4.36亿元，占比18.1%，较一季度的占比29%有所下降；二季度信贷服务相关收入14.38亿元，占比59.6%，较一季度的占比","content":"<html><body><div><img src=\"http://k.sinaimg.cn/n/sinakd20220826s/613/w848h565/20220826/adbc-cb3c8b5d63e2fb4a2e6ed00b43926b58.jpg/w720fin.jpg\"/></div><p><font>作者 | 姚丽</font></p><p><font>截至8月23日，五家线上助贷金融科技公司,<a href=\"https://laohu8.com/S/QFIN\">360数科</a>（</font><font>NASDAQ：QFIN</font><font>）、<a href=\"https://laohu8.com/S/LX\">乐信</a>（</font><font>NASDAQ：LX</font><font>）、<a href=\"https://laohu8.com/S/FINV\">信也科技</a>（</font><font>NYSE：FINV</font><font>）、<a href=\"https://laohu8.com/S/XYF\">小赢科技</a>（</font><font>NYSE：XYF</font><font>）及<a href=\"https://laohu8.com/S/JFIN\">嘉银金科</a>（</font><font>NASDAQ：JFIN</font><font>）均发布了未经审计的2022年二季报。</font></p><p>二季度，五家平台的增速分化，360数科降速，乐信环比止跌回升，嘉银金科增速最高。其中，360数科在规模上继续遥遥领先，二季度实现营业收入41.8亿元，同比增长4.5%，环比下降3.2%；实现净利润9.7亿元，同比下降40.9%，环比下降1.6%；二季度促成贷款982.8亿元，同比增长11.1%，环比略降0.6%。嘉银金科二季度实现营业收入8.1亿元，同比增长64.9%，环比增长58.8%；实现净利润2.5亿元，同比翻番，环比增长75.5%；促成贷款135亿元，同比增长138.4%，环比增长65.6%。</p><p><font>在资产质量方面，</font><font>截至2022年二季度末，360数科及乐信的90天+逾期率延续了2021年四季度以来的上行势头，分别为2.62%及2.63%%；信也科技及嘉银金科的90天+逾期率环比下降，分别为1.6%及1%，小赢科技的31-60天逾期率环比下降至0.93%。</font></p><p><font>在小微贷方面，</font><font>信也科技继续保持领先位置，二季度促成小企业贷款104亿元，同比增长67.7%，占比25.1%，较一季度的占比24.7%继续增加。</font></p><p><font>一、五家平台二季度营收有增有降，四家净利润同比下滑</font></p><p>二季度，360数科、信也科技及嘉银金科实现了营收同比增长，乐信及小赢科技同比有所下降；受降费及提取准备金等因素影响，除嘉银金科外的其他四家平台净利润均出现同比下降。</p><p>360数科二季度的业绩整体上延续了一季度以来的降速，二季度实现营业收入41.8亿元，同比增长4.5%，环比下降3.2%；实现净利润9.7亿元，同比下降40.9%，环比下降1.6%；实现NON-GAAP净利润10.2亿元，同比下降36.7%,环比下降16.7%。</p><p>乐信在2021年采取了降速提质策略, 2021年下半年出现业绩拐点，2022年一季度业绩继续下滑，在二季度显示出止跌回升的势头。二季度乐信实现营业收入24.13亿元，同比减少26.2%，环比增长40.9%；净利润1.67亿元，同比减少78.7%，环比增长一倍；经调整归属于普通股东的净利润2.08亿元，同比减少75.5%，环比增加61.2%。</p><p><font>信也科技二季度实现营业收入26.7亿元，同比增长11.8%，环比增长9%；实现净利润5.9亿元，同比减少5.7%，环比增长9.5%。信也科技未披露Non-GAAP净利润，而是披露了Non-GAAP营业利润（</font><font>operating income</font><font>），二季度实现Non-GAAP营业利润6.8亿元，同比减少6.1%，环比增加13.2%。</font></p><p>二季度小赢科技营收下滑，但改变了一季度净利润环比下滑的局面：实现营业收入8.2亿元，同比下降11.6%，环比下降7.2%；实现净利润1.9亿元，同比减少16.9%，环比增长33.3%；实现Non-GAAP净利润2.1亿元，同比减少12.9%，环比增长37%。</p><p>在五家平台中，嘉银金科的增长最为突出，二季度实现营业收入8.1亿元，同比增长64.9%，环比增长58.8%；实现净利润2.5亿元，同比翻番，环比增长75.5%。根据财报，二季度嘉银金科营业收入的同比增长主要来自于促成贷款规模的扩大，而成本费用项目中，除了研发费用增幅超过营业收入增幅，其他包括贷款撮合与服务费、准备金提取、销售费用及一般与行政费用的同比增幅均低于营业收入增幅，从而净利润规模大幅扩大并实现翻番。</p><p><font>表1 五家企业2022年Q2业绩及变化情况</font></p><p><font>（单位：亿元）</font></p><div><img src=\"http://k.sinaimg.cn/n/sinakd20220826s/717/w1080h437/20220826/3fa4-6673b6735a523b9d40e488ffa769c8c5.png/w720fin.jpg\"/><span>资料来源：五家企业2022年二季报及一季报，</span></div><p><font>零壹智库</font></p><p><font>二、业务规模增速分化，360数科降速，乐信环比止跌回升，嘉银金科高增长</font></p><p>在业务规模增长上，五家平台出现分化，360数科增长降速，乐信环比止跌回升，嘉银金科高增长，信也科技及小赢科技继续保持较高增速。</p><p>二季度，360数科继续在规模上领先，且保持两位数的同比增速，但环比延续了一季度以来的放缓势头，一季度促成贷款988亿元，同比增长33.29%%，环比增长1.98%；二季度促成贷款982.8亿元，同比增长11.1%，增速较一季度下降，环比略降0.6%。截至二季度末，360数科促成的贷款余额达1504.9亿元，同比增长28%，环比增长2.6%。</p><p>与业绩的环比改善相一致，乐信的业务规模在二季度也环比止跌回升，促成贷款491亿元，同比减少18.9%，环比增长13.9%；期末贷款余额866亿元，同比减少4.3%，环比增加3.3%。</p><p><font>表2  五家企业2022年Q2促成贷款规模、期末贷款余额（单位：亿元）</font></p><div><img src=\"http://k.sinaimg.cn/n/sinakd20220826s/239/w1080h759/20220826/2905-e5b792bf203e526b48039160cbd1f901.png/w720fin.jpg\"/><span>资料来源：五家企业2022年二季报及一季报，</span></div><p><font>零壹智库</font></p><p>信也科技二季度促成贷款415亿元，同比增长24.3%，环比增长4.5%；贷款余额564亿元，同比增长43.9%，环比增长4.8%。</p><p>一季度小赢科技促成贷款及自营贷款169亿元，同比增长31.5%，环比增长10.7%；贷款余额291亿元，同比增长41.8%，环比增长9.1%。</p><p>嘉银金科在二季度促成贷款135亿元，同比增长138.4%，环比增长65.6%；但未披露促成贷款余额规模。 </p><p><font>三、业务转型：由于降费等原因，360数科及乐信的轻资本业务相关收入均有所下滑</font></p><p>2019年以来，360数科和乐信向不承担信用风险的轻资本化转型。其中，360数科持续在季报中明确披露轻资本业务规模，360数科和乐信均将轻资本业务或平台业务收入单独披露。2022年二季报显示，360数科轻资本转型继续小幅推进，业务规模及占比均继续上升。受降费等因素影响，360数科及乐信的相关业务收入规模及占比则有所下滑。</p><p>360数科在2021年轻资本模式下业务规模占比已经过半。财报显示，2022年二季度360数科轻资本模式、<a href=\"https://laohu8.com/S/5RE.SI\">智能</a>风控引擎及其他技术方案促成贷款547.8亿元，占比55.7%；较一季度的533.3亿元、占比54%有所上升。二季度末该模式下贷款余额为825.8亿元，占比54.9%，较一季度末的788亿元、占比53.7%也有所上升。</p><p>财报显示，360数科二季度平台收入12.4亿元，占比29.5%；同比减少了22.6%，原因包括轻资本模式下促成贷款规模下降，以及降费；与一季度的14亿元，占比32.39%相比，二季度的平台收入规模及占比也出现环比下滑， 原因主要包括降费。</p><p><font>2022年二季度开始，乐信将收入分三个部分披露：一是“新消费驱动、基于场景的服务（</font><font>new consumption-driven, location-based services</font><font>）”，包括电商平台的线上直接销售收入等；二是“技术驱动平台服务收入（</font><font>Technology-Driven Platform Services</font><font>）”，包括平台服务收入和此前“线上直接销售与服务”项下的“会员费及其他服务收入”；三是“信贷服务（</font><font>credit-oriented services</font><font>）”，包括信贷相关的贷款促成与服务费、利息与金融服务收入及其他、担保收入。其中，“技术驱动平台服务收入”与轻资本业务相关。</font></p><p>二季度，乐信的技术平台服务收入为4.36亿元，占比18.1%，较一季度的占比29%有所下降；二季度信贷服务相关收入14.38亿元，占比59.6%，较一季度的占比52.3%有所上升。</p><p>信也科技、小赢科技及嘉银金科均未在二季报中披露是否开展轻资本转型。</p><p><font>四、五家平台的逾期率环比有升有降</font></p><p>截止二季度末，五家平台中360数科及乐信的90天+逾期率延续了一季度的上升势头；而信也科技及嘉银金科的90天+逾期率环比下降，小赢科技的31-60天逾期率环比下降。</p><p>其中，360数科的90天+逾期率为2.62%，较一季度末的2.4%上升了0.22个百分点；乐信的90天+逾期率为2.63%,较一季度末的2.4%上升了0.23个百分点。</p><p>信也科技在二季度末的90天+逾期率1.6%，较一季度末的1.64%略降0.04个百分点；小赢科技二季度末的31-60天逾期率为0.93%，较一季度末的1.31%降低了0.38个百分点。嘉银金科的90天+逾期率为1%，较一季度末的1.61%下降了0.61个百分点。</p><p><font>表 3  五家企业逾期率情况（截至二季度末）</font></p><div><img src=\"http://k.sinaimg.cn/n/sinakd20220826s/774/w1080h494/20220826/55a8-2bd2158a3bb0e88ea8f5859accd62b6e.png/w720fin.jpg\"/><span>资料来源：四家企业2022年二季报及一季报，</span></div><p><font>零壹智库</font></p><p><font>五、信也科技继续发力小微贷，促成小企业贷款占比达四分之一</font></p><p>近年来，各上市助贷平台都在拓展小微贷业务。其中，信也科技的小企业贷款增长最快，业务占比也最高。2022年二季度，信也科技促成小企业贷款104亿元，同比增长67.7%，占比25.1%，较一季度的占比24.7%继续增加。</p><p>财报披露，二季度360数科的合作<a href=\"https://laohu8.com/S/FISI\">金融机构</a>通过平台向小微企业提供了49亿元的贷款额度，较一季度的74亿元有所减少。</p><p>二季度乐信促成小微企业贷款54亿元，占比11%，较一季度的占比9.7%有所提升。</p><p>小赢科技在二季报中提及服务小微企业，但未披露具体业务开展情况；嘉银金科也未在二季报中披露小微贷业务情况。</p></body></html>","source":"sina_symbol","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>五家上市助贷平台二季度业务全对比</title>\n<style 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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五家上市助贷平台二季度业务全对比\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-08-26 19:03 北京时间&nbsp;&nbsp;&nbsp;<a href=https://cj.sina.cn/article/normal_detail?url=https://k.sina.cn/article_3962947301_ec35c6e501901ahjp.html><strong>零壹财经</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>作者 | 姚丽截至8月23日，五家线上助贷金融科技公司,360数科（NASDAQ：QFIN）、乐信（NASDAQ：LX）、信也科技（NYSE：FINV）、小赢科技（NYSE：XYF）及嘉银金科（NASDAQ：JFIN）均发布了未经审计的2022年二季报。二季度，五家平台的增速分化，360数科降速，乐信环比止跌回升，嘉银金科增速最高。其中，360数科在规模上继续遥遥领先，二季度实现营业收入41.8...</p>\n\n<a href=\"https://cj.sina.cn/article/normal_detail?url=https://k.sina.cn/article_3962947301_ec35c6e501901ahjp.html\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"LX":"乐信","BK4531":"中概回港概念","BK4166":"消费信贷","XYF":"小赢科技","BK4579":"人工智能","BK4526":"热门中概股","BK4503":"景林资产持仓","QFIN":"奇富科技"},"source_url":"https://cj.sina.cn/article/normal_detail?url=https://k.sina.cn/article_3962947301_ec35c6e501901ahjp.html","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2262904481","content_text":"作者 | 姚丽截至8月23日，五家线上助贷金融科技公司,360数科（NASDAQ：QFIN）、乐信（NASDAQ：LX）、信也科技（NYSE：FINV）、小赢科技（NYSE：XYF）及嘉银金科（NASDAQ：JFIN）均发布了未经审计的2022年二季报。二季度，五家平台的增速分化，360数科降速，乐信环比止跌回升，嘉银金科增速最高。其中，360数科在规模上继续遥遥领先，二季度实现营业收入41.8亿元，同比增长4.5%，环比下降3.2%；实现净利润9.7亿元，同比下降40.9%，环比下降1.6%；二季度促成贷款982.8亿元，同比增长11.1%，环比略降0.6%。嘉银金科二季度实现营业收入8.1亿元，同比增长64.9%，环比增长58.8%；实现净利润2.5亿元，同比翻番，环比增长75.5%；促成贷款135亿元，同比增长138.4%，环比增长65.6%。在资产质量方面，截至2022年二季度末，360数科及乐信的90天+逾期率延续了2021年四季度以来的上行势头，分别为2.62%及2.63%%；信也科技及嘉银金科的90天+逾期率环比下降，分别为1.6%及1%，小赢科技的31-60天逾期率环比下降至0.93%。在小微贷方面，信也科技继续保持领先位置，二季度促成小企业贷款104亿元，同比增长67.7%，占比25.1%，较一季度的占比24.7%继续增加。一、五家平台二季度营收有增有降，四家净利润同比下滑二季度，360数科、信也科技及嘉银金科实现了营收同比增长，乐信及小赢科技同比有所下降；受降费及提取准备金等因素影响，除嘉银金科外的其他四家平台净利润均出现同比下降。360数科二季度的业绩整体上延续了一季度以来的降速，二季度实现营业收入41.8亿元，同比增长4.5%，环比下降3.2%；实现净利润9.7亿元，同比下降40.9%，环比下降1.6%；实现NON-GAAP净利润10.2亿元，同比下降36.7%,环比下降16.7%。乐信在2021年采取了降速提质策略, 2021年下半年出现业绩拐点，2022年一季度业绩继续下滑，在二季度显示出止跌回升的势头。二季度乐信实现营业收入24.13亿元，同比减少26.2%，环比增长40.9%；净利润1.67亿元，同比减少78.7%，环比增长一倍；经调整归属于普通股东的净利润2.08亿元，同比减少75.5%，环比增加61.2%。信也科技二季度实现营业收入26.7亿元，同比增长11.8%，环比增长9%；实现净利润5.9亿元，同比减少5.7%，环比增长9.5%。信也科技未披露Non-GAAP净利润，而是披露了Non-GAAP营业利润（operating income），二季度实现Non-GAAP营业利润6.8亿元，同比减少6.1%，环比增加13.2%。二季度小赢科技营收下滑，但改变了一季度净利润环比下滑的局面：实现营业收入8.2亿元，同比下降11.6%，环比下降7.2%；实现净利润1.9亿元，同比减少16.9%，环比增长33.3%；实现Non-GAAP净利润2.1亿元，同比减少12.9%，环比增长37%。在五家平台中，嘉银金科的增长最为突出，二季度实现营业收入8.1亿元，同比增长64.9%，环比增长58.8%；实现净利润2.5亿元，同比翻番，环比增长75.5%。根据财报，二季度嘉银金科营业收入的同比增长主要来自于促成贷款规模的扩大，而成本费用项目中，除了研发费用增幅超过营业收入增幅，其他包括贷款撮合与服务费、准备金提取、销售费用及一般与行政费用的同比增幅均低于营业收入增幅，从而净利润规模大幅扩大并实现翻番。表1 五家企业2022年Q2业绩及变化情况（单位：亿元）资料来源：五家企业2022年二季报及一季报，零壹智库二、业务规模增速分化，360数科降速，乐信环比止跌回升，嘉银金科高增长在业务规模增长上，五家平台出现分化，360数科增长降速，乐信环比止跌回升，嘉银金科高增长，信也科技及小赢科技继续保持较高增速。二季度，360数科继续在规模上领先，且保持两位数的同比增速，但环比延续了一季度以来的放缓势头，一季度促成贷款988亿元，同比增长33.29%%，环比增长1.98%；二季度促成贷款982.8亿元，同比增长11.1%，增速较一季度下降，环比略降0.6%。截至二季度末，360数科促成的贷款余额达1504.9亿元，同比增长28%，环比增长2.6%。与业绩的环比改善相一致，乐信的业务规模在二季度也环比止跌回升，促成贷款491亿元，同比减少18.9%，环比增长13.9%；期末贷款余额866亿元，同比减少4.3%，环比增加3.3%。表2  五家企业2022年Q2促成贷款规模、期末贷款余额（单位：亿元）资料来源：五家企业2022年二季报及一季报，零壹智库信也科技二季度促成贷款415亿元，同比增长24.3%，环比增长4.5%；贷款余额564亿元，同比增长43.9%，环比增长4.8%。一季度小赢科技促成贷款及自营贷款169亿元，同比增长31.5%，环比增长10.7%；贷款余额291亿元，同比增长41.8%，环比增长9.1%。嘉银金科在二季度促成贷款135亿元，同比增长138.4%，环比增长65.6%；但未披露促成贷款余额规模。 三、业务转型：由于降费等原因，360数科及乐信的轻资本业务相关收入均有所下滑2019年以来，360数科和乐信向不承担信用风险的轻资本化转型。其中，360数科持续在季报中明确披露轻资本业务规模，360数科和乐信均将轻资本业务或平台业务收入单独披露。2022年二季报显示，360数科轻资本转型继续小幅推进，业务规模及占比均继续上升。受降费等因素影响，360数科及乐信的相关业务收入规模及占比则有所下滑。360数科在2021年轻资本模式下业务规模占比已经过半。财报显示，2022年二季度360数科轻资本模式、智能风控引擎及其他技术方案促成贷款547.8亿元，占比55.7%；较一季度的533.3亿元、占比54%有所上升。二季度末该模式下贷款余额为825.8亿元，占比54.9%，较一季度末的788亿元、占比53.7%也有所上升。财报显示，360数科二季度平台收入12.4亿元，占比29.5%；同比减少了22.6%，原因包括轻资本模式下促成贷款规模下降，以及降费；与一季度的14亿元，占比32.39%相比，二季度的平台收入规模及占比也出现环比下滑， 原因主要包括降费。2022年二季度开始，乐信将收入分三个部分披露：一是“新消费驱动、基于场景的服务（new consumption-driven, location-based services）”，包括电商平台的线上直接销售收入等；二是“技术驱动平台服务收入（Technology-Driven Platform Services）”，包括平台服务收入和此前“线上直接销售与服务”项下的“会员费及其他服务收入”；三是“信贷服务（credit-oriented services）”，包括信贷相关的贷款促成与服务费、利息与金融服务收入及其他、担保收入。其中，“技术驱动平台服务收入”与轻资本业务相关。二季度，乐信的技术平台服务收入为4.36亿元，占比18.1%，较一季度的占比29%有所下降；二季度信贷服务相关收入14.38亿元，占比59.6%，较一季度的占比52.3%有所上升。信也科技、小赢科技及嘉银金科均未在二季报中披露是否开展轻资本转型。四、五家平台的逾期率环比有升有降截止二季度末，五家平台中360数科及乐信的90天+逾期率延续了一季度的上升势头；而信也科技及嘉银金科的90天+逾期率环比下降，小赢科技的31-60天逾期率环比下降。其中，360数科的90天+逾期率为2.62%，较一季度末的2.4%上升了0.22个百分点；乐信的90天+逾期率为2.63%,较一季度末的2.4%上升了0.23个百分点。信也科技在二季度末的90天+逾期率1.6%，较一季度末的1.64%略降0.04个百分点；小赢科技二季度末的31-60天逾期率为0.93%，较一季度末的1.31%降低了0.38个百分点。嘉银金科的90天+逾期率为1%，较一季度末的1.61%下降了0.61个百分点。表 3  五家企业逾期率情况（截至二季度末）资料来源：四家企业2022年二季报及一季报，零壹智库五、信也科技继续发力小微贷，促成小企业贷款占比达四分之一近年来，各上市助贷平台都在拓展小微贷业务。其中，信也科技的小企业贷款增长最快，业务占比也最高。2022年二季度，信也科技促成小企业贷款104亿元，同比增长67.7%，占比25.1%，较一季度的占比24.7%继续增加。财报披露，二季度360数科的合作金融机构通过平台向小微企业提供了49亿元的贷款额度，较一季度的74亿元有所减少。二季度乐信促成小微企业贷款54亿元，占比11%，较一季度的占比9.7%有所提升。小赢科技在二季报中提及服务小微企业，但未披露具体业务开展情况；嘉银金科也未在二季报中披露小微贷业务情况。","news_type":1},"isVote":1,"tweetType":1,"viewCount":874,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"lives":[]}