全球和平的个人主页 - 老虎社区

全球和平

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2021-12-30

$阿里巴巴(BABA)$年底了拉一下，参考18年底a股

2021-10-27

$英伟达(NVDA)$皆涨唯跌

2021-10-27

$NQ100指数主连 2112(NQmain)$ 做空的今晚哭去吧

2020-12-17

$Beyond Meat, Inc.(BYND)$盘也不是这么横的啊

2020-12-11

$百度(BIDU)$百度这硬的我都不相信是它

2020-12-11

$泡泡玛特(09992)$上市即巅峰，以后一直下行趋势直到变成毛票

2020-12-09

$百度(BIDU)$怎么突然勃起了

2020-11-23

14台值17万？？扯蛋啊

手携14台全新iPhone逃跑，美团跑腿为何频频翻车？

2020-10-12

$苹果(AAPL)$不敢过夜

2020-10-12

$苹果(AAPL)$不敢过夜

2020-08-13

$Beyond Meat, Inc.(BYND)$180美元收购

2020-08-12

$特斯拉(TSLA)$今晚涨15个点

2020-08-12

$特斯拉(TSLA)$跌的时候都想抄底，现在涨起来了又不敢买，还这么多人说先撤，感觉不是很给力

2020-08-12

$特斯拉(TSLA)$来来来，玩玩高送转

2020-08-11

$特斯拉(TSLA)$做多的和call的今晚数钱

2020-08-11

$特斯拉(TSLA)$本周上1600

2020-08-11

$海底捞(06862)$牛逼，特斯拉的八分之一

2020-08-11

$特斯拉(TSLA)$今天涨10点

2020-08-10

都被你报道出来了还叫秘密？

陆金所已秘密在美国申请IPO

2020-08-08

$英伟达(NVDA)$有毒吧都这么高还不跌一个点

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做空的今晚哭去吧","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/855900727","isVote":1,"tweetType":1,"viewCount":2553,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":397164417,"gmtCreate":1608210715739,"gmtModify":1703851784372,"author":{"id":"3524110843115881","authorId":"3524110843115881","name":"全球和平","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3524110843115881","idStr":"3524110843115881"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/BYND\">$Beyond Meat, Inc.(BYND)$</a>盘也不是这么横的啊","listText":"<a href=\"https://laohu8.com/S/BYND\">$Beyond Meat, Inc.(BYND)$</a>盘也不是这么横的啊","text":"$Beyond Meat, 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14:13","market":"hk","language":"zh","title":"手携14台全新iPhone逃跑，美团跑腿为何频频翻车？","url":"https://stock-news.laohu8.com/highlight/detail?id=2085325820","media":"AI财经社","summary":"骑手带货“跑路”11月14日，苹果手机贵阳亨特国际店将14台全新iPhone12Pro Max交给一美团跑腿员送往其他店，跑腿员途中竟取消订单失联。警方透露，此次涉案金额约17万元，大部分手机目前已追回。事后当事人报警，找美团协商。无独有偶，今年7月，一名女子找美团跑腿买药，跑腿骑手伪造票据私售处方药。某配送平台负责人认为，美团配送频发事故，与其业务模式，平台管理机制有关。","content":"<html><body><article><p>文｜AI财经社 蒋澆</p><p>编辑｜董雨晴</p><p>美团又出事了，这次是跑腿。</p><p>几天前，贵州贵阳一<a href=\"https://laohu8.com/S/AAPL\">苹果</a>授权店通过“美团跑腿”，将一个内含十几部苹果手机的包裹，送至同城的另一家手机店，就在送货的过程中，跑腿小哥失联，商家最终报案。</p><img src=\"https://fid-75186.picgzc.qpic.cn/20201121174022204v2350zrp5vv1p61\"/><p>11月18日，针对“跑腿小哥卷走14部苹果新机”一事，美团官方表示，已经启动先行赔付流程，并对该配送员帐号进行了行业通报，加入行业黑名单，永久禁入。</p><p>尽管事发之后美团处理还算迅速，但其平台配送管理、货物安全保障等问题已然引起外界关注。</p><p><strong>骑手带货“跑路”</strong></p><p>11月14日，苹果手机贵阳亨特国际店将14台全新iPhone12Pro Max交给一美团跑腿员送往其他店，跑腿员途中竟取消订单失联。发觉情况不对后，店员报警。</p><p>AI财经社记者向当地警方了解到，经过警方30多个小时的蹲守，该跑腿员唐某被捕。警方在对唐某审讯中发现，他做跑腿仅有三个月时间，却经常被公司扣延时配送费，一次几元，甚至十几元。有好几次是客户的原因造成的，他向美团申诉，却无回应。</p><img src=\"https://fid-75186.picgzc.qpic.cn/20201121174023095v235r1pjl5xvesa\"/><p>(图：涉事跑腿员唐某被抓捕)</p><p>据唐某交代，做跑腿的收入难以支撑他的平日消费。11月14日，他接到这单后，发现货品都是最新的苹果手机，便见财起意，私吞了这笔货品。14部手机中，其中一部被他拆封自用；一部邮寄给朋友以抵债；一部以9500元抵押给典当行；一部以7000元低价卖给老家一个手机商。</p><p>警方透露，此次涉案金额约17万元，大部分手机目前已追回。</p><p>美团表示，接到用户货品丢失的反馈后，平台第一时间对涉事骑手采取限制接单等预防性措施，并主动对接警方，协助警方侦破案件。</p><p>对于配送员“跑路”等类似情形，事后处理是有了。那美团是否有预防机制来降低风险，保障货物安全、维护客户利益呢？AI财经社就此问题向美团方面了解情况，截至发稿，未收到回应。</p><p><strong>配送频出问题，美团事后急“撇清”</strong></p><p>美团跑腿是美团推出的同城帮买帮送服务，自2017年上线以来，问题不断。</p><p>此前，有媒体报道称，深圳一男子找美团跑腿服务，15万珠宝弄丢。事后当事人报警，找美团协商。美团则表示，主要责任不在于他们，客户下单时选择物品价值为一百五十元到三百快，平台配送服务上有标注，请勿配送三千元以上的商品。</p><p>无独有偶，今年7月，一名女子找美团跑腿买药，跑腿骑手伪造票据私售处方药。事后美团回应称，经查该事件的共享人员（众包骑手）在配送过程中存在私自虚报高价、线下交易、违规提供处方药行为，根据平台规章，已第一时间将骑手永久拉黑。</p><p>不难看出，当骑手配送出事之后，美团一贯的处理作风是：与骑手撇清关系，事后惩罚员工。但缺乏一定的事先预防措施。</p><p>“为降低运营成本，跑腿这些业务外包、找兼职人员是常态，后续管理也是难以跟进”。某配送平台负责人认为，美团配送频发事故，与其业务模式，平台管理机制有关。</p><p>目前，同城即时物流多以第三方众包配送服务模式为主，这种模式能够低成本快速开拓市场、灵活调配人员。但对配送人员的约束力较弱，难以管理。</p><p>一位美团跑腿员告诉记者，平台规定跑腿员在代买商品前要和客户确认价格，并在交货时提供商品的票据凭证。但实际操作中，不上传价格凭证都能完成跑腿服务，平台也不会对此作出任何惩罚，这也给后期用户维权埋下隐患。</p><p><strong>外卖增长放缓后，美团要讲新故事？</strong></p><p>美团2020年第二季度财报显示，二季度营收247亿元人民币，同比增长8.9%。其中，<span>净利润</span>为22亿人民币，同比增长95.5%。调整后，净利润为27亿元，同比增长82%。</p><p>此外，美团的业务已经从外卖餐饮，扩展到生鲜电商、出行、B端供应链、金融等，围绕着本地生活服务，美团仍旧在拓展边界。公司市值也水涨船高，突破两万亿。</p><img src=\"https://fid-75186.picgzc.qpic.cn/20201121174023472v235b8ue1t4ilp7\"/><p>在外卖餐饮业务的培养下，即时消费需求激增。即时配送业务也随之水涨船高，逐步成为巨头们都想涉猎的重要赛道。</p><p>2019年5月，美团正式推出美团配送品牌，美团跑腿则是这一领域下主打C2C模式的同城帮买帮送服务。其对于以外卖为主营业务的美团而言，本就充满挑战。实际上，在业内人士看来，经营C端市场，更多的是需要精耕细作。</p><p>原则上，只要在法律允许的范围内，万物皆可配送，且随着用户消费意识的崛起，其市场想象空间将超越餐饮配送。只是就目前而言，以美团为代表的外卖餐饮平台，其运力布局还远远不足，因此也十分容易翻车。</p><p>更细致层面的问题，还包括诸如美团配送中遇到了产品破损、退换货问题，无法有效抵御和及时响应，不仅会影响企业声誉，还会损害用户利益，极大地增加经营风险。</p><p>正因为缺乏管控力，美团跑腿送货人员带货跑路事件才会发生。实际上，从C端市场起家的闪送和UU跑腿，在这一层面上就相对稳重。主打服务品质敏感性用户，虽然客单价相对较高，但也保证了一定服务品质。</p><p>理想十分美好，现实却频频翻车。对美团而言，想要讲好本地生活故事，扩大即时配送业务版图，还有许多功课要做。</p><p><strong>本文由《财经天下》周刊旗下账号AI财经社原创出品，未经许可，任何渠道、平台请勿转载。违者必究。</strong></p><p>—End—</p></article></body></html>","source":"tencent","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 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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手携14台全新iPhone逃跑，美团跑腿为何频频翻车？\n</h2>\n\n<h4 class=\"meta\">\n\n\n2020-11-21 14:13 北京时间&nbsp;&nbsp;&nbsp;<a href=http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN2020112117402479a52224&s=b><strong>AI财经社</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>文｜AI财经社 蒋澆编辑｜董雨晴美团又出事了，这次是跑腿。几天前，贵州贵阳一苹果授权店通过“美团跑腿”，将一个内含十几部苹果手机的包裹，送至同城的另一家手机店，就在送货的过程中，跑腿小哥失联，商家最终报案。11月18日，针对“跑腿小哥卷走14部苹果新机”一事，美团官方表示，已经启动先行赔付流程，并对该配送员帐号进行了行业通报，加入行业黑名单，永久禁入。尽管事发之后美团处理还算迅速，但其平台配送管理...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN2020112117402479a52224&s=b\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/d776d009b18d65f20684c952b9f84cf8","relate_stocks":{"09086":"华夏纳指-U","03086":"华夏纳指","QNETCN":"纳斯达克中美互联网老虎指数","03690":"美团-W"},"source_url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN2020112117402479a52224&s=b","is_english":false,"share_image_url":"https://static.laohu8.com/9a95c1376e76363c1401fee7d3717173","article_id":"2085325820","content_text":"文｜AI财经社 蒋澆编辑｜董雨晴美团又出事了，这次是跑腿。几天前，贵州贵阳一苹果授权店通过“美团跑腿”，将一个内含十几部苹果手机的包裹，送至同城的另一家手机店，就在送货的过程中，跑腿小哥失联，商家最终报案。11月18日，针对“跑腿小哥卷走14部苹果新机”一事，美团官方表示，已经启动先行赔付流程，并对该配送员帐号进行了行业通报，加入行业黑名单，永久禁入。尽管事发之后美团处理还算迅速，但其平台配送管理、货物安全保障等问题已然引起外界关注。骑手带货“跑路”11月14日，苹果手机贵阳亨特国际店将14台全新iPhone12Pro Max交给一美团跑腿员送往其他店，跑腿员途中竟取消订单失联。发觉情况不对后，店员报警。AI财经社记者向当地警方了解到，经过警方30多个小时的蹲守，该跑腿员唐某被捕。警方在对唐某审讯中发现，他做跑腿仅有三个月时间，却经常被公司扣延时配送费，一次几元，甚至十几元。有好几次是客户的原因造成的，他向美团申诉，却无回应。(图：涉事跑腿员唐某被抓捕)据唐某交代，做跑腿的收入难以支撑他的平日消费。11月14日，他接到这单后，发现货品都是最新的苹果手机，便见财起意，私吞了这笔货品。14部手机中，其中一部被他拆封自用；一部邮寄给朋友以抵债；一部以9500元抵押给典当行；一部以7000元低价卖给老家一个手机商。警方透露，此次涉案金额约17万元，大部分手机目前已追回。美团表示，接到用户货品丢失的反馈后，平台第一时间对涉事骑手采取限制接单等预防性措施，并主动对接警方，协助警方侦破案件。对于配送员“跑路”等类似情形，事后处理是有了。那美团是否有预防机制来降低风险，保障货物安全、维护客户利益呢？AI财经社就此问题向美团方面了解情况，截至发稿，未收到回应。配送频出问题，美团事后急“撇清”美团跑腿是美团推出的同城帮买帮送服务，自2017年上线以来，问题不断。此前，有媒体报道称，深圳一男子找美团跑腿服务，15万珠宝弄丢。事后当事人报警，找美团协商。美团则表示，主要责任不在于他们，客户下单时选择物品价值为一百五十元到三百快，平台配送服务上有标注，请勿配送三千元以上的商品。无独有偶，今年7月，一名女子找美团跑腿买药，跑腿骑手伪造票据私售处方药。事后美团回应称，经查该事件的共享人员（众包骑手）在配送过程中存在私自虚报高价、线下交易、违规提供处方药行为，根据平台规章，已第一时间将骑手永久拉黑。不难看出，当骑手配送出事之后，美团一贯的处理作风是：与骑手撇清关系，事后惩罚员工。但缺乏一定的事先预防措施。“为降低运营成本，跑腿这些业务外包、找兼职人员是常态，后续管理也是难以跟进”。某配送平台负责人认为，美团配送频发事故，与其业务模式，平台管理机制有关。目前，同城即时物流多以第三方众包配送服务模式为主，这种模式能够低成本快速开拓市场、灵活调配人员。但对配送人员的约束力较弱，难以管理。一位美团跑腿员告诉记者，平台规定跑腿员在代买商品前要和客户确认价格，并在交货时提供商品的票据凭证。但实际操作中，不上传价格凭证都能完成跑腿服务，平台也不会对此作出任何惩罚，这也给后期用户维权埋下隐患。外卖增长放缓后，美团要讲新故事？美团2020年第二季度财报显示，二季度营收247亿元人民币，同比增长8.9%。其中，净利润为22亿人民币，同比增长95.5%。调整后，净利润为27亿元，同比增长82%。此外，美团的业务已经从外卖餐饮，扩展到生鲜电商、出行、B端供应链、金融等，围绕着本地生活服务，美团仍旧在拓展边界。公司市值也水涨船高，突破两万亿。在外卖餐饮业务的培养下，即时消费需求激增。即时配送业务也随之水涨船高，逐步成为巨头们都想涉猎的重要赛道。2019年5月，美团正式推出美团配送品牌，美团跑腿则是这一领域下主打C2C模式的同城帮买帮送服务。其对于以外卖为主营业务的美团而言，本就充满挑战。实际上，在业内人士看来，经营C端市场，更多的是需要精耕细作。原则上，只要在法律允许的范围内，万物皆可配送，且随着用户消费意识的崛起，其市场想象空间将超越餐饮配送。只是就目前而言，以美团为代表的外卖餐饮平台，其运力布局还远远不足，因此也十分容易翻车。更细致层面的问题，还包括诸如美团配送中遇到了产品破损、退换货问题，无法有效抵御和及时响应，不仅会影响企业声誉，还会损害用户利益，极大地增加经营风险。正因为缺乏管控力，美团跑腿送货人员带货跑路事件才会发生。实际上，从C端市场起家的闪送和UU跑腿，在这一层面上就相对稳重。主打服务品质敏感性用户，虽然客单价相对较高，但也保证了一定服务品质。理想十分美好，现实却频频翻车。对美团而言，想要讲好本地生活故事，扩大即时配送业务版图，还有许多功课要做。本文由《财经天下》周刊旗下账号AI财经社原创出品，未经许可，任何渠道、平台请勿转载。违者必究。—End—","news_type":1},"isVote":1,"tweetType":1,"viewCount":2109,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":309015216,"gmtCreate":1602494406635,"gmtModify":1703826709939,"author":{"id":"3524110843115881","authorId":"3524110843115881","name":"全球和平","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3524110843115881","idStr":"3524110843115881"},"themes":[],"htmlText":"<a 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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\" 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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","02318":"中国平安","PNGAY":"中国平安ADR"},"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 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