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难得迷糊
2021-05-10
这个时代，神经太多了
抱歉，原内容已删除
难得迷糊
2020-09-03
大忽悠
抱歉，原内容已删除
难得迷糊
2020-08-25
这篇文章不错，转发给大家看看
抱歉，原内容已删除
难得迷糊
2020-08-04
$360金融(QFIN)$
继续跌，继续跌。正好补仓
去老虎APP查看更多动态
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22:20","market":"sh","language":"zh","title":"招银国际：看好360金融风控能力与资金背景 设定目标价20.3元","url":"https://stock-news.laohu8.com/highlight/detail?id=2057345621","media":"金融界","summary":"原标题：招银国际：看好360金融风控能力与资金背景 设定目标价20.3元 来源：金融界网站招银国际8月5日对外发布首次360金融覆盖报告，直指360金融为中国上市金融科技第一股，并将目标股价定于20.","content":"<html><body><p>原标题：招银国际：看好<a href=\"https://laohu8.com/S/QFIN\">360金融</a>风控能力与资金背景 设定目标价20.3元 来源：<a href=\"https://laohu8.com/S/JRJC\">金融界</a>网站</p><p>招银国际8月5日对外发布首次360金融覆盖报告，直指360金融为中国上市金融科技第一股，并将目标股价定于20.3美元。此次投行覆盖报告，是继<a href=\"https://laohu8.com/S/MS\">摩根士丹利</a>、<a href=\"https://laohu8.com/S/C\">花旗</a>等多家机构之后又一家覆盖并给予360金融行业首推评价的投行机构。 </p><p>报告披露最新股东结构，其中香港百亿基金Aspex作为360金融的长期合作伙伴，继续增持360金融至6.29％，成为公司第四大股东，与包括富达基金、<a href=\"https://laohu8.com/S/BLK\">贝莱德</a>、Point72、罗素投资、<a href=\"https://laohu8.com/S/GS\">高盛</a>资管、<a href=\"https://laohu8.com/S/UBS\">瑞银</a>资管、<a href=\"https://laohu8.com/S/CS\">瑞士信贷</a>资管、百达资管、路博迈、方源资本等全球范围内多家国际知名投资机构一道，成为360金融的坚定持有者。 </p><div><img src=\"http://k.sinaimg.cn/n/spider202086/327/w863h264/20200806/978e-ixkvvuc7044001.jpg/w720fin.jpg\"/></div><p>招银国际认为360金融的客户基础、机构资金情况、风险管理和监管合规等综合实力是推其为行业首选股票的原因。借助360集团的用户和技术资源，360金融得到了借款人和机构资金伙伴的认可。在疫情爆发期间，通过稳定的贷款发放和优质的资产质量，360金融表现出强大的业务复原力。另外，360金融战略转型“轻资本”模式将有效降低信用风险和政策风险，因此有估值提升的潜在空间。360集团收购金城银行30％的股权，将进一步加强360金融在客户覆盖率方面的竞争优势以及应对监管变化的能力。招银国际预测2020至2022财年，公司将迎来收入28％的复合增长率。 </p><p>中国的消费金融市场发展潜力巨大。中国家庭可支配收入与消费在2013年至2019年分别达到9％与8.5％的复合增长率。从需求角度看，中国转变为消费驱动经济，同时青年一代对消费信贷意识的提高也促成了个人金融需求的提升。供给侧，在宏观经济增速放缓背景下，利率市场化外加资产质量进入周期性下降，银行也在积极扩大零售业以维持资产收益率。另一方面，中国消费金融领域仍未被充分渗透，金融机构因缺乏针对次级借款人群的信用评估框架，需要更多依靠金融科技公司的技术手段与风控能力为这部分人群提供方便且能负担得起的信贷产品。 </p><p>在年轻化与消费驱动经济的背景下，360金融积极布局消费金融领域，自成立至今积累了1.42亿注册用户，且多为35岁以下的年轻用户。360金融帮助银行、消金、保险、理财等金融机构，寻找与其相匹配的目标客群，开展覆盖客户全生命周期的金融服务，目前合作的金融机构数量已达84家。2020年一季度，360金融推出虚拟分期产品“微零花”，通过连通线上线下全消费场景，全面覆盖不同场景下的金融服务，增强了用户粘性，提升产品月活。 </p><p>招银国际认为，短期内，360金融成长的催化剂将来源于撮合金额的增长以及优于预期的资产质量恢复。伴随着360金融多元化的融资方式、以及未来和金城银行的深度合作探索，360金融将为客户提供更加优质的金融科技服务。 </p><div></div><div></div>3分钟开户专属通道，佣金低福利多，点此在线开户>></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>招银国际：看好360金融风控能力与资金背景 设定目标价20.3元</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{ 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class=\"title\">\n招银国际：看好360金融风控能力与资金背景 设定目标价20.3元\n</h2>\n\n<h4 class=\"meta\">\n\n\n2020-08-06 22:20 北京时间 <a href=http://cj.sina.cn/article/normal_detail?url=https://finance.sina.com.cn/roll/2020-08-06/doc-iivhvpwx9619353.shtml><strong>金融界</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>原标题：招银国际：看好360金融风控能力与资金背景 设定目标价20.3元 来源：金融界网站招银国际8月5日对外发布首次360金融覆盖报告，直指360金融为中国上市金融科技第一股，并将目标股价定于20.3美元。此次投行覆盖报告，是继摩根士丹利、花旗等多家机构之后又一家覆盖并给予360金融行业首推评价的投行机构。 报告披露最新股东结构，其中香港百亿基金Aspex作为360金融的长期合作伙伴，继续增持...</p>\n\n<a href=\"http://cj.sina.cn/article/normal_detail?url=https://finance.sina.com.cn/roll/2020-08-06/doc-iivhvpwx9619353.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/b92f4e3406f3e38cc556475d4597867d","relate_stocks":{"QFIN":"奇富科技"},"source_url":"http://cj.sina.cn/article/normal_detail?url=https://finance.sina.com.cn/roll/2020-08-06/doc-iivhvpwx9619353.shtml","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2057345621","content_text":"原标题：招银国际：看好360金融风控能力与资金背景 设定目标价20.3元 来源：金融界网站招银国际8月5日对外发布首次360金融覆盖报告，直指360金融为中国上市金融科技第一股，并将目标股价定于20.3美元。此次投行覆盖报告，是继摩根士丹利、花旗等多家机构之后又一家覆盖并给予360金融行业首推评价的投行机构。 报告披露最新股东结构，其中香港百亿基金Aspex作为360金融的长期合作伙伴，继续增持360金融至6.29％，成为公司第四大股东，与包括富达基金、贝莱德、Point72、罗素投资、高盛资管、瑞银资管、瑞士信贷资管、百达资管、路博迈、方源资本等全球范围内多家国际知名投资机构一道，成为360金融的坚定持有者。 招银国际认为360金融的客户基础、机构资金情况、风险管理和监管合规等综合实力是推其为行业首选股票的原因。借助360集团的用户和技术资源，360金融得到了借款人和机构资金伙伴的认可。在疫情爆发期间，通过稳定的贷款发放和优质的资产质量，360金融表现出强大的业务复原力。另外，360金融战略转型“轻资本”模式将有效降低信用风险和政策风险，因此有估值提升的潜在空间。360集团收购金城银行30％的股权，将进一步加强360金融在客户覆盖率方面的竞争优势以及应对监管变化的能力。招银国际预测2020至2022财年，公司将迎来收入28％的复合增长率。 中国的消费金融市场发展潜力巨大。中国家庭可支配收入与消费在2013年至2019年分别达到9％与8.5％的复合增长率。从需求角度看，中国转变为消费驱动经济，同时青年一代对消费信贷意识的提高也促成了个人金融需求的提升。供给侧，在宏观经济增速放缓背景下，利率市场化外加资产质量进入周期性下降，银行也在积极扩大零售业以维持资产收益率。另一方面，中国消费金融领域仍未被充分渗透，金融机构因缺乏针对次级借款人群的信用评估框架，需要更多依靠金融科技公司的技术手段与风控能力为这部分人群提供方便且能负担得起的信贷产品。 在年轻化与消费驱动经济的背景下，360金融积极布局消费金融领域，自成立至今积累了1.42亿注册用户，且多为35岁以下的年轻用户。360金融帮助银行、消金、保险、理财等金融机构，寻找与其相匹配的目标客群，开展覆盖客户全生命周期的金融服务，目前合作的金融机构数量已达84家。2020年一季度，360金融推出虚拟分期产品“微零花”，通过连通线上线下全消费场景，全面覆盖不同场景下的金融服务，增强了用户粘性，提升产品月活。 招银国际认为，短期内，360金融成长的催化剂将来源于撮合金额的增长以及优于预期的资产质量恢复。伴随着360金融多元化的融资方式、以及未来和金城银行的深度合作探索，360金融将为客户提供更加优质的金融科技服务。 3分钟开户专属通道，佣金低福利多，点此在线开户>>","news_type":1},"isVote":1,"tweetType":1,"viewCount":1507,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":979445647,"gmtCreate":1598347683689,"gmtModify":1704218429085,"author":{"id":"3547522734377831","authorId":"3547522734377831","name":"难得迷糊","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3547522734377831","idStr":"3547522734377831"},"themes":[],"htmlText":"这篇文章不错，转发给大家看看","listText":"这篇文章不错，转发给大家看看","text":"这篇文章不错，转发给大家看看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/979445647","repostId":"946290891","repostType":1,"isVote":1,"tweetType":1,"viewCount":1729,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"lives":[]}
