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刘皇叔的票

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刘皇叔的票

2021-02-16

$ContextLogic Inc.(WISH)$太让我失望了，全仓把老虎卖了赌你这只新股，结果老虎涨6倍了。

刘皇叔的票

2020-11-20

$老虎证券(TIGR)$为了达逸仙，损失太大了

刘皇叔的票

2020-03-18

$老虎证券(TIGR)$ 这个股价对不起你的用户！23到2.3！一流的产品，不要脸的股价！

刘皇叔的票

2021-05-05

$ContextLogic Inc.(WISH)$全球最坑公司，垃圾

刘皇叔的票

2020-10-31

$陆金所(LU)$ 这么优质的企业，美国市场既然不热。

刘皇叔的票

2020-11-04

$陆金所(LU)$ 太坏了，借🐜暂缓上市监管调整打压股价制造恐慌让大家交出筹码。对不起持有你的股民。至少让自己用户跟着吃口肉吧。

刘皇叔的票

2020-11-19

$逸仙电商(YSG)$不公布中签，影响买其他股票啊！

刘皇叔的票

2019-03-20

#和老虎的故事# 我的第一支美股和第一支港股都是在老虎证券上购买的。

刘皇叔的票

2021-07-02

$滴滴(DIDI)$扫货开始

刘皇叔的票

2020-11-19

$逸仙电商(YSG)$这个申购感觉有点水份，到现在还未公布中签

刘皇叔的票

07-02

小米汽车马上走向全世界，必须涨

刘皇叔的票

03-24

关键股价什么时候可以起来

快手正式拿下小贷牌照，金融之路启程

去老虎APP查看更多动态

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.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快手正式拿下小贷牌照，金融之路启程\n</h2>\n\n<h4 class=\"meta\">\n\n\n2024-03-24 20:24 北京时间&nbsp;&nbsp;&nbsp;<a href=http://finance.eastmoney.com/a/202403243022099529.html><strong>北京商报</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>“互联网的尽头是借贷”？3月24日，北京商报记者注意到，广州市地方金融管理局发布一则关于广州欢聚小额贷款有限责任公司变更股权股东和章程的批复，意味着快手成功拿下网络小贷牌照。在分析人士看来，获牌对于快手来说，便于其依托庞大的流量增加收益、降低成本。展望下阶段金融布局，对于手握支付、小贷两张牌照的短视频巨头，找准自身定位、开发完整生态的同时，坚守合规是关键。 　　获牌之前已涉足导流助贷 　　3月21...</p>\n\n<a href=\"http://finance.eastmoney.com/a/202403243022099529.html\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"81024":"快手-WR","LU1720050803.USD":"安联全方位中国股票基金","LU2097828714.EUR":"AZ EQUITY CHINA \"BAZ\" (EUR) ACC","BK1608":"元宇宙概念","BK1575":"同股不同权","LU2097828805.USD":"AZ EQUITY CHINA \"A-AZ\" (USD) ACC","LU1794554557.SGD":"Allianz All China Equity AT Acc H2-SGD","BK1095":"互动媒体与服务","BK1591":"就地过年概念","LU2097828557.USD":"AZ EQUITY CHINA \"A\" (USD) ACC","BK1590":"短视频概念股","BK1610":"ETF&股票定投概念","LU2097828474.EUR":"AZ EQUITY CHINA \"A\" (EUR) ACC A","01024":"快手-W","LU2097828631.EUR":"AZ EQUITY CHINA \"A\" (EUR) ACC"},"source_url":"http://finance.eastmoney.com/a/202403243022099529.html","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2421378842","content_text":"“互联网的尽头是借贷”？3月24日，北京商报记者注意到，广州市地方金融管理局发布一则关于广州欢聚小额贷款有限责任公司变更股权股东和章程的批复，意味着快手成功拿下网络小贷牌照。在分析人士看来，获牌对于快手来说，便于其依托庞大的流量增加收益、降低成本。展望下阶段金融布局，对于手握支付、小贷两张牌照的短视频巨头，找准自身定位、开发完整生态的同时，坚守合规是关键。 　　获牌之前已涉足导流助贷 　　3月21日，广州市地方金融管理局更新一则小贷公司股权变更批复。根据监管公告，同意广州华多网络科技有限公司将持有广州欢聚小额贷款有限责任公司的100%股权转让给北京云掣科技有限公司。 　　转让后，北京云掣科技有限公司持有广州欢聚小额贷款有限责任公司的100%股权，成为广州欢聚小额贷款有限责任公司的主发起人，而北京云掣科技有限公司为快手关联公司。 　　工商信息显示，北京云掣科技有限公司控股股东为北京达佳互联信息技术有限公司，后者的法定代表人为快手联合创始人杨远熙。快手即为北京达佳互联信息技术有限公司旗下品牌。 　　随着监管正式公告，也意味着通过收购方式，快手间接拿下了一张网络小贷牌照。 　　在此之前，虽未获牌，快手已在平台内涉足导流、助贷业务。在快手“钱包”内上线的借钱产品中，平台为360借条、省呗、洋钱罐、众安贷等机构做导流。 　　北京商报记者在快手App体验发现，点击“申请借款”，平台即为用户推荐一家金融机构。其中，为记者匹配的洋钱罐最高可借额度20万元，年化利率7.2%起，低利息、快速审批、极速到账等借款优势均被着重展现。 　　在服务模式上，由于不涉及风控和放款，快手的借钱业务实质上仍是导流模式。用户提交身份信息、联系人信息、补充信息（职业、月收入）用于申请贷款，金融机构随后开展授信风控并提供贷款服务。快手客服同样表示，“快手仅做借款信息展示，不涉及任何借款服务”。 　　此外，在“快手小店”中购买商品，支付方式包括跳转微信支付、支付宝支付、银行卡，尚未有分期、先用后付等产品上线。 　　就快手方面收购小贷牌照的细节及后续计划，北京商报记者向快手方面进行采访，不过截至发稿暂未回复。 　　流量变现的通用方式 　　获取牌照，实现站内金融业务拓展与流量变现，对于互联网公司、电商平台来说，似乎已成为一条普遍甚至必然走上的道路。而拿下小贷牌照给快手带来的影响与价值也显而易见。 　　“流量变现是快手的主要问题，而金融和广告业务是流量变现的通用方式。”知名经济学者盘和林如是说道。 　　正如快手高级副总裁、商业化业务负责人王剑伟曾在公开场合提出，“快手App上每周看财经相关内容的用户高达1.6亿次，其金融广告转化率是一般用户的19倍，但只有12%的人被分发了金融相关的商业广告和内容”。 　　日前快手发布的2023年财报数据显示，快手2023年全年总收入达1134.7亿元，同比增长20.5%。其中，经调整净利润首次超百亿，高达102.7亿元。而电商业务在快手中展示出越来越重要的地位。快手四季度电商业务GMV同比增长29.3%，达到4039亿元，全年GMV规模超过1.18万亿；本地生活业务日均支付用户数在2023年四季度环比提升超40%，显示出强劲的增长势头。  　　“获取小贷牌照之后，不仅是对其投资人、二级市场的振奋，快手更能拓展自营消金业务，增加收益、降低成本，并使展业符合监管要求。”博通咨询首席分析师王蓬博总结道。 　　在后续开展金融业务时，提升合规壁垒，减轻政策风险；可利用自身成熟的电商场景，大力推广电商分期业务……种种畅想留给快手，取得牌照，无疑是在合规前提下走出的第一步。 　　在盘和林看来，未来快手或会开展自营贷，也会和金融机构合作开展联合贷，并将功能和快手的短视频内容结合起来向用户推送。 　　金融科技专家苏筱芮则表示，拿到小贷牌照以后，预计快手将进军消费金融类业务，参照互联网流量巨头们的既有路径，将其包装为快手分期等贷款产品或是快手月付等信用支付类产品，从而在金融领域谋求更大的规模增长。 　　金融之路前景几何 　　事实上，快手对金融的布局推进已久。早在2020年底，快手通过收购持牌支付机构易联支付间接获得支付牌照。2023年3月，有消息称快手正着手购买网络小贷牌照，但该消息被其在第一时间否认。不过，快手在此之前已陆续申请了“老铁支付”“老铁电商”“老铁严选”等商标，涉及网上银行、保险信息、金融管理、信用卡支付受理等服务。 　　来到2023年底，快手加速吸纳相关人才，在金融领域投放多个岗位，涉及风控合规、供应链金融等方向。北京商报记者在快手招聘官网查询到，一金融行业产品运营经理的社招岗位于3月23日新上架。该岗位要求包括“挖掘行业机会，搭建面向效果行业的解决方案体系；针对金融信贷类产品下不同获客模式去探索客户消耗增长点，探索并推动获客新模式新玩法的落地”等。 　　如今，支付、小贷两张牌照在手，快手的金融之路前景几何？在业内人士看来，互联网红利见顶，行业陷入存量竞争之时，金融业务就成为了许多互联网巨头重要的增长点。对于快手来说，找准自身定位、开发完整生态的同时，坚守合规是关键。 　　作为国内第二大短视频平台，快手的流量优势和场景优势，是其金融变现的根本。“快手的用户规模大、黏性较高，本身做导流业务有一定基础。流量便是其优势。”王蓬博说道。但需要注意的是，金融业务其实需要长时间的积累，风控等问题仍需布局。 　　亦有分析人士认为，在行业资产荒蔓延的背景下，快手具备一定潜力，不过其平台用户资质相对下沉，资产质量可能是考验快手金融的一大挑战。 　　苏筱芮指出，作为短视频巨头，快手的流量优势仅次于抖音等头部平台，且快手小店等B端商业已日益成熟。从客群类型来看，快手的客群比抖音更加下沉，而这部分人群恰恰是小贷在金融领域所对应的长尾客群，在客群定位及客群需求挖掘上具有潜力。基于快手的金融基因较为欠缺，后续建议其以合规为本，充分借鉴其他流量巨头在金融领域收到的罚单通报等线索，避免重蹈覆辙。（文章来源：北京商报）","news_type":1},"isVote":1,"tweetType":1,"viewCount":333,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":156246538,"gmtCreate":1625227502924,"gmtModify":1625227502924,"author":{"id":"3499812958411336","authorId":"3499812958411336","name":"刘皇叔的票","avatar":"https://static.tigerbbs.com/edc2ec05c26b4db3bb88243ea6fbab5c","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/DIDI\">$滴滴(DIDI)$</a>扫货开始","listText":"<a 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.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快手正式拿下小贷牌照，金融之路启程\n</h2>\n\n<h4 class=\"meta\">\n\n\n2024-03-24 20:24 北京时间&nbsp;&nbsp;&nbsp;<a href=http://finance.eastmoney.com/a/202403243022099529.html><strong>北京商报</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>“互联网的尽头是借贷”？3月24日，北京商报记者注意到，广州市地方金融管理局发布一则关于广州欢聚小额贷款有限责任公司变更股权股东和章程的批复，意味着快手成功拿下网络小贷牌照。在分析人士看来，获牌对于快手来说，便于其依托庞大的流量增加收益、降低成本。展望下阶段金融布局，对于手握支付、小贷两张牌照的短视频巨头，找准自身定位、开发完整生态的同时，坚守合规是关键。 　　获牌之前已涉足导流助贷 　　3月21...</p>\n\n<a href=\"http://finance.eastmoney.com/a/202403243022099529.html\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"81024":"快手-WR","LU1720050803.USD":"安联全方位中国股票基金","LU2097828714.EUR":"AZ EQUITY CHINA \"BAZ\" (EUR) ACC","BK1608":"元宇宙概念","BK1575":"同股不同权","LU2097828805.USD":"AZ EQUITY CHINA \"A-AZ\" (USD) ACC","LU1794554557.SGD":"Allianz All China Equity AT Acc H2-SGD","BK1095":"互动媒体与服务","BK1591":"就地过年概念","LU2097828557.USD":"AZ EQUITY CHINA \"A\" (USD) ACC","BK1590":"短视频概念股","BK1610":"ETF&股票定投概念","LU2097828474.EUR":"AZ EQUITY CHINA \"A\" (EUR) ACC A","01024":"快手-W","LU2097828631.EUR":"AZ EQUITY CHINA \"A\" (EUR) ACC"},"source_url":"http://finance.eastmoney.com/a/202403243022099529.html","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2421378842","content_text":"“互联网的尽头是借贷”？3月24日，北京商报记者注意到，广州市地方金融管理局发布一则关于广州欢聚小额贷款有限责任公司变更股权股东和章程的批复，意味着快手成功拿下网络小贷牌照。在分析人士看来，获牌对于快手来说，便于其依托庞大的流量增加收益、降低成本。展望下阶段金融布局，对于手握支付、小贷两张牌照的短视频巨头，找准自身定位、开发完整生态的同时，坚守合规是关键。 　　获牌之前已涉足导流助贷 　　3月21日，广州市地方金融管理局更新一则小贷公司股权变更批复。根据监管公告，同意广州华多网络科技有限公司将持有广州欢聚小额贷款有限责任公司的100%股权转让给北京云掣科技有限公司。 　　转让后，北京云掣科技有限公司持有广州欢聚小额贷款有限责任公司的100%股权，成为广州欢聚小额贷款有限责任公司的主发起人，而北京云掣科技有限公司为快手关联公司。 　　工商信息显示，北京云掣科技有限公司控股股东为北京达佳互联信息技术有限公司，后者的法定代表人为快手联合创始人杨远熙。快手即为北京达佳互联信息技术有限公司旗下品牌。 　　随着监管正式公告，也意味着通过收购方式，快手间接拿下了一张网络小贷牌照。 　　在此之前，虽未获牌，快手已在平台内涉足导流、助贷业务。在快手“钱包”内上线的借钱产品中，平台为360借条、省呗、洋钱罐、众安贷等机构做导流。 　　北京商报记者在快手App体验发现，点击“申请借款”，平台即为用户推荐一家金融机构。其中，为记者匹配的洋钱罐最高可借额度20万元，年化利率7.2%起，低利息、快速审批、极速到账等借款优势均被着重展现。 　　在服务模式上，由于不涉及风控和放款，快手的借钱业务实质上仍是导流模式。用户提交身份信息、联系人信息、补充信息（职业、月收入）用于申请贷款，金融机构随后开展授信风控并提供贷款服务。快手客服同样表示，“快手仅做借款信息展示，不涉及任何借款服务”。 　　此外，在“快手小店”中购买商品，支付方式包括跳转微信支付、支付宝支付、银行卡，尚未有分期、先用后付等产品上线。 　　就快手方面收购小贷牌照的细节及后续计划，北京商报记者向快手方面进行采访，不过截至发稿暂未回复。 　　流量变现的通用方式 　　获取牌照，实现站内金融业务拓展与流量变现，对于互联网公司、电商平台来说，似乎已成为一条普遍甚至必然走上的道路。而拿下小贷牌照给快手带来的影响与价值也显而易见。 　　“流量变现是快手的主要问题，而金融和广告业务是流量变现的通用方式。”知名经济学者盘和林如是说道。 　　正如快手高级副总裁、商业化业务负责人王剑伟曾在公开场合提出，“快手App上每周看财经相关内容的用户高达1.6亿次，其金融广告转化率是一般用户的19倍，但只有12%的人被分发了金融相关的商业广告和内容”。 　　日前快手发布的2023年财报数据显示，快手2023年全年总收入达1134.7亿元，同比增长20.5%。其中，经调整净利润首次超百亿，高达102.7亿元。而电商业务在快手中展示出越来越重要的地位。快手四季度电商业务GMV同比增长29.3%，达到4039亿元，全年GMV规模超过1.18万亿；本地生活业务日均支付用户数在2023年四季度环比提升超40%，显示出强劲的增长势头。  　　“获取小贷牌照之后，不仅是对其投资人、二级市场的振奋，快手更能拓展自营消金业务，增加收益、降低成本，并使展业符合监管要求。”博通咨询首席分析师王蓬博总结道。 　　在后续开展金融业务时，提升合规壁垒，减轻政策风险；可利用自身成熟的电商场景，大力推广电商分期业务……种种畅想留给快手，取得牌照，无疑是在合规前提下走出的第一步。 　　在盘和林看来，未来快手或会开展自营贷，也会和金融机构合作开展联合贷，并将功能和快手的短视频内容结合起来向用户推送。 　　金融科技专家苏筱芮则表示，拿到小贷牌照以后，预计快手将进军消费金融类业务，参照互联网流量巨头们的既有路径，将其包装为快手分期等贷款产品或是快手月付等信用支付类产品，从而在金融领域谋求更大的规模增长。 　　金融之路前景几何 　　事实上，快手对金融的布局推进已久。早在2020年底，快手通过收购持牌支付机构易联支付间接获得支付牌照。2023年3月，有消息称快手正着手购买网络小贷牌照，但该消息被其在第一时间否认。不过，快手在此之前已陆续申请了“老铁支付”“老铁电商”“老铁严选”等商标，涉及网上银行、保险信息、金融管理、信用卡支付受理等服务。 　　来到2023年底，快手加速吸纳相关人才，在金融领域投放多个岗位，涉及风控合规、供应链金融等方向。北京商报记者在快手招聘官网查询到，一金融行业产品运营经理的社招岗位于3月23日新上架。该岗位要求包括“挖掘行业机会，搭建面向效果行业的解决方案体系；针对金融信贷类产品下不同获客模式去探索客户消耗增长点，探索并推动获客新模式新玩法的落地”等。 　　如今，支付、小贷两张牌照在手，快手的金融之路前景几何？在业内人士看来，互联网红利见顶，行业陷入存量竞争之时，金融业务就成为了许多互联网巨头重要的增长点。对于快手来说，找准自身定位、开发完整生态的同时，坚守合规是关键。 　　作为国内第二大短视频平台，快手的流量优势和场景优势，是其金融变现的根本。“快手的用户规模大、黏性较高，本身做导流业务有一定基础。流量便是其优势。”王蓬博说道。但需要注意的是，金融业务其实需要长时间的积累，风控等问题仍需布局。 　　亦有分析人士认为，在行业资产荒蔓延的背景下，快手具备一定潜力，不过其平台用户资质相对下沉，资产质量可能是考验快手金融的一大挑战。 　　苏筱芮指出，作为短视频巨头，快手的流量优势仅次于抖音等头部平台，且快手小店等B端商业已日益成熟。从客群类型来看，快手的客群比抖音更加下沉，而这部分人群恰恰是小贷在金融领域所对应的长尾客群，在客群定位及客群需求挖掘上具有潜力。基于快手的金融基因较为欠缺，后续建议其以合规为本，充分借鉴其他流量巨头在金融领域收到的罚单通报等线索，避免重蹈覆辙。（文章来源：北京商报）","news_type":1},"isVote":1,"tweetType":1,"viewCount":333,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"lives":[]}