罗申的个人主页 - 老虎社区

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2021-01-28

$AMC院线(AMC)$坚决不卖，老虎真的恶心，只准机构赚钱不许散户赚笑了

2021-01-25

$小米集团-W(01810)$所有人都疯涨，除了小米诶…就这么不讨人喜欢吗

2021-01-26

$亚马逊(AMZN)$大哥财报马上出了没人理会亚马逊吗😢

2021-01-29

$小米集团-W(01810)$小米要是一个美国公司股价至少翻3-5倍安心持有就好

2021-09-17

$纳斯达克(.IXIC)$快v起来吧，天天这种把戏看腻了

2021-02-17

$Opendoor Technologies Inc(OPEN)$能不跳水了不哥，盈利1w4变3千了

2021-01-28

$AMC院线(AMC)$完全不用怕，满仓干！明天期权日到期空投必须买股票然后拉升股票，明天直接上100，千万别怕

2020-12-23

$AquaBounty Technologies, Inc.(AQB)$有谁能告诉我为什么在股东列表里看不到ark基金得持仓了

2021-03-17

$Northern Star Acquisition Corp(STIC)$这个合并最近都没消息吗

2021-03-11

$百度(BIDU)$有大神能解读下吗，如果明天开始招股是会涨还是跌？

2021-03-08

$标普500ETF(SPY)$为什么交易不了期权

2021-03-05

$Opendoor Technologies Inc(OPEN)$这财报如何？

2021-02-25

$Opendoor Technologies Inc(OPEN)$他也是疫情受害股，大家快入，马上起飞

2021-01-27

$AMC院线(AMC)$我就想知道你们盘前怎么买股票？比如15的时候买的，开盘后就算你们15块吗？

2020-12-16

wish, 虽然近年用户量多了，但是这个公司真的一般，上限明显，如果开盘和其他几个一样暴涨的话果断买跌

“美版拼多多”和互金新贵今晚上市！看点几何？

2021-02-12

$Opendoor Technologies Inc(OPEN)$拉的那么快！都没来得及加仓😭晦气！

2021-01-23

$游戏驿站(GME)$你们期权还能买吗，我买不了了

2021-04-15

$Northern Star Acquisition Corp(STIC)$大哥咱能来点消息不

2021-04-02

$Northern Star Acquisition Corp(STIC)$诶，啥时候能有点合并的消息

2021-01-27

$小米集团-W(01810)$今年小米财报会在什么时候公布呢？

去老虎APP查看更多动态

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Inc(OPEN)$他也是疫情受害股，大家快入，马上起飞","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/361987654","isVote":1,"tweetType":1,"viewCount":1147,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":311036603,"gmtCreate":1611756659202,"gmtModify":1703753179669,"author":{"id":"3569511786934344","authorId":"3569511786934344","name":"罗申","avatar":"https://static.tigerbbs.com/d64b429dcafb632bd4879a3655d66142","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/AMC\">$AMC院线(AMC)$</a>我就想知道你们盘前怎么买股票？比如15的时候买的，开盘后就算你们15块吗？","listText":"<a href=\"https://laohu8.com/S/AMC\">$AMC院线(AMC)$</a>我就想知道你们盘前怎么买股票？比如15的时候买的，开盘后就算你们15块吗？","text":"$AMC院线(AMC)$我就想知道你们盘前怎么买股票？比如15的时候买的，开盘后就算你们15块吗？","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/311036603","isVote":1,"tweetType":1,"viewCount":578,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":394724749,"gmtCreate":1608117091381,"gmtModify":1703851243091,"author":{"id":"3569511786934344","authorId":"3569511786934344","name":"罗申","avatar":"https://static.tigerbbs.com/d64b429dcafb632bd4879a3655d66142","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"wish, 虽然近年用户量多了，但是这个公司真的一般，上限明显，如果开盘和其他几个一样暴涨的话果断买跌","listText":"wish, 虽然近年用户量多了，但是这个公司真的一般，上限明显，如果开盘和其他几个一样暴涨的话果断买跌","text":"wish, 虽然近年用户量多了，但是这个公司真的一般，上限明显，如果开盘和其他几个一样暴涨的话果断买跌","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/394724749","repostId":"1135431057","repostType":4,"repost":{"id":"1135431057","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":1608090373,"share":"https://www.laohu8.com/m/news/1135431057?lang=&edition=full","pubTime":"2020-12-16 11:46","market":"us","language":"zh","title":"“美版拼多多”和互金新贵今晚上市！看点几何？","url":"https://stock-news.laohu8.com/highlight/detail?id=1135431057","media":"老虎资讯综合","summary":"在Airbnb和DoorDash都经历了上市首日“暴涨”之后，投资者对接下来的新股更加期待。本周最值得关注的两只美股新股都将在今晚上市，他们分别是被称为“美版拼多多”的跨境电商Wish母公司Conte","content":"<p>在Airbnb和DoorDash都经历了上市首日“暴涨”之后，投资者对接下来的新股更加期待。本周最值得关注的两只美股新股都将在今晚上市，他们分别是被称为“美版拼多多”的跨境电商Wish母公司<a href=\"https://laohu8.com/S/WISH\">ContextLogic</a>和美国网贷平台<a href=\"https://laohu8.com/S/UPST\">Upstart</a>。美国“希望”和“新贵”今晚还能延续火爆行情吗？</p><p><b>一、“美版拼多多”能否复制拼多多走势？</b></p><p><img src=\"https://static.tigerbbs.com/4ef8e62e1671600a36f52fe0b4848abe\" tg-width=\"1000\" tg-height=\"665\"></p><p><b>IPO信息</b></p><p>股票代码：WISH</p><p>上市时间：12月16日（周三）</p><p>招股区间：22至24美元（<b>已定价24美元，位于区间顶端</b>）</p><p>发行规模：4600万股</p><p>募资规模：11亿美元</p><p>估值：超140亿美元</p><p>主要承销商：<a href=\"https://laohu8.com/S/GS\">高盛</a>、<a href=\"https://laohu8.com/S/JPM\">摩根大通</a>、<a href=\"https://laohu8.com/S/BAC\">美国银行</a>等</p><p>募资用途：净收益用于营运资金，运营支出，销售和市场营销支出，以资助我们业务的增长以及资本支出。</p><p><b>美版拼多多</b></p><p>Wish成立于2010年，主要目标客户是低收入人群，主打下沉市场，因此也被市场称作“美版拼多多”。该平台提供低价打折商品，包括廉价的家居用品和服装，以及电子产品和玩具，相对于<a href=\"https://laohu8.com/S/AMZN\">亚马逊</a>等电商平台，消费者在Wish更能找到实惠的产品，这也是Wish最大的优势。</p><p>招股书中Wish号称已经成为最大和增长最快的全球电子商务平台之一，目前Wish服务于100多个国家/地区，拥有超过1亿月活跃用户，平台给为50多万家商家提供约1.5亿件商品，每天售出约180万件商品。</p><p><img src=\"https://static.tigerbbs.com/5a6c3c520e1ca70dd55435490eeeff85\" tg-width=\"820\" tg-height=\"1061\"></p><p>值得关注的是，Wish中94%卖家都来自于中国，广东卖家占27%。Wish瞄准的是美国中下层消费者，其创始人Peter Szulczewski说过：“44%的美国消费者和85%的欧洲消费者家庭收入低于7万5千美元。此外，在非洲、中东、拉丁美洲和东欧等新兴经济体，平均家庭收入约为1.8万美元（约12万人民币）。我们建立Wish，是为了服务于那些看重实惠而非品牌和方便的消费者。”</p><p><b>“中西合璧”的创始人</b></p><p>值得一提的是，Wish的创始人是一对“中西合璧”的室友组合，他们分别是波兰裔加拿大人彼得-舒尔泽斯基（Peter Szulczewski）和来自中国广州的Danny Zhang（张晟）。两人曾经是加拿大滑铁卢大学的室友。大学毕业后Peter进入<a href=\"https://laohu8.com/S/GOOG\">谷歌</a>，2010年创办ContextLogic(Wish母公司)。张晟于同年离开AT&amp;T，与Peter一起联合创立了Wish，目前担任Wish首席技术官。</p><p><img src=\"https://static.tigerbbs.com/e4c3fe066b54354babc735616c9cc6dd\" tg-width=\"600\" tg-height=\"399\"></p><p><b>业绩概况</b></p><p>尽管账面资金充足，但是wish和拼多多最像的一点是，到现在都还在亏钱。</p><p>招股书显示，Wish在2017年、2018年、2019年营收分别为11亿美元、17.28亿美元、19亿美元；</p><p>2020年前9个月营收为17.47亿美元，上年同期的营收为13.25亿美元；</p><p>2020年前9个月净亏损1.76亿美元。2020年10月30日，累计赤字约为16亿美元。</p><p><img src=\"https://static.tigerbbs.com/bbc96c6508c32a45ecefab8b632c1607\" tg-width=\"1000\" tg-height=\"612\"></p><p>二、<b>美国的P2P新贵</b></p><p><img src=\"https://static.tigerbbs.com/234065ba20a5489de2adc3ec23031dc6\" tg-width=\"600\" tg-height=\"364\"></p><p><b>IPO信息：</b></p><p>股票代码：UPST</p><p>上市时间：12月16日（周三）</p><p>招股区间：20至22美元</p><p>发行规模：1200万股</p><p>募资额：至多2.64亿美元</p><p>市值：约15.9亿美元</p><p>募资用途：一般公司用途，包括营运资金，运营支出和资本支出。</p><p>主要承销商：高盛、<a href=\"https://laohu8.com/S/C\">花旗</a>、美国银行</p><p>Upstart上市之前已经筹集了近1.65亿美元的资金。其IPO的最大利益相关者是第三点风险投资公司（19.5％），石岭信托（9.5％），科斯拉风险投资公司（8.4％），乐天（5.3％）和First Round Capital（5.2％）。</p><p><b>人工智能贷款平台</b></p><p>Upstart成立于2012年，总部位于美国加州，是领先的人工智能（AI）贷款平台，旨在帮需要者找到负担得起的信贷，同时降低银行合作伙伴的风险和成本。Upstart最初的宗旨是构建年轻企业家和投资人的连接。2014年，Upstart认识到对消费者的未来分析将被更好地运用于个人贷款市场的趋势，就转向到了目前所处的在线借款平台，并且在看到<a href=\"https://laohu8.com/S/LC\">LendingClub</a>的迅猛增长，发现有这么多人的借贷请求时无法通过传统的银行来满足，开始产生了面向大学毕业生提供P2P贷款的商业思路。</p><p>自成立以来，Upstart的银行合作伙伴已发放了62万笔个人贷款，产生了超过900万笔还款事件。截至2020年9月30日的9个月中，由Upstart提供动力的贷款中约有70％是完全自动化的。</p><p>Upstart在招股书中自称是领先的基于云的人工智能贷款平台，但通俗点来说这依然是一家网上P2P贷款平台，大家都知道前几天，银保监会刘福寿在财经年会上表示，国内P2P网贷机构已经完全归零，那么到底是什么样的差距，让这家美国P2P公司没有走上中国同行全军覆灭的老路？</p><p><b>硅谷明星高管</b></p><p>Upstart的联合创始人兼首席执行官为Dave Girouard，他曾是谷歌企业应用前任总裁，因一手打造了价值超过10亿美元的谷歌企业应用部门而广为人知。</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/6cab7ad961c7bad22b91784ee0437adf\" tg-width=\"900\" tg-height=\"680\"><span>Dave Girouard</span></p><p>Girouard在上市后将拥有公司17.7%的股份。谷歌风投也是该公司的投资者，在上市后将拥有该公司1.1%的股份。</p><p>Girouard认为目前的信贷体系存在漏洞。他表示，年轻人，特别是千禧一代，需要一个更好的审查过程来提前预测他们的可信程度，即使他们目前没有足够的信贷经历。而Upstart通过创新的大数据征信的手段致力于解决年轻消费者的信贷难题，认为传统的信用评分并不能很好地描述年轻消费者的未来还款状况，相反，这些年轻人的教育程度和背景以及工作经历和这些消费者的未来金融状况密切相关。</p><p><b>商业模式</b></p><p>Upstart Holding公司提出了一种改进的基于机器学习的信用评分模型，该公司使用了1600个新的数据点，这些数据点更准确地描述了借款人，特别是考虑了他就读的学院，他所学的课程，甚至是GPA.该公司已经积累了150亿个数据点（输入参数和支付数据）。结果，使用该平台发放了622079笔贷款。测试表明，在Upstart评分的帮助下，有资格获得优惠贷款的潜在借款人将增加27%，对他们的利率下调平均将达到16%。同时，贷款质量并没有恶化。</p><p><img src=\"https://static.tigerbbs.com/eca6be16495bb6a0d3223534e33b350a\" tg-width=\"1089\" tg-height=\"471\"></p><p>该公司从银行获得佣金，并将借款人带到银行，银行可以访问基于云计算的评分系统，而借款人可以通过移动应用程序获得他们的评级。</p><p>银行也可以授权一个白标签解决方案，以自己的品牌提供评分，在这种情况下，Upstart充当了一种技术合作伙伴。它现在有10家合作银行，其中最大的是Cross River银行。它2008年由法国籍企业家Gilles Gayde创立，目前正积极与金融科技合作，它的客户包括市场、电子支付系统、p2p登陆和Ripple加密货币的运营商。</p><p><b>财务状况</b></p><p>招股书显示，Upstart在2017年、2018年、2019年营收分别为5729万美元、9931万美元、1.64亿美元；Upstart在2020年前9个月营收为1.47亿美元，上年同期的营收为1.02亿美元。</p><p>Upstart在2017年、2018年、2019年运营亏损分别为753.6万美元、797万美元、457.5万美元；Upstart在2020年前9个月运营利润为137.2万美元，上年同期的运营亏损为809万美元。</p><p><img src=\"https://static.tigerbbs.com/631f730273d1906cf81cc698c4be6842\" tg-width=\"1096\" tg-height=\"694\"></p><p>尽管第二季度业绩不佳，但其利润仍然很高，第二季度其合作伙伴在大流行开始时暂时暂停了贷款，导致第二季度的贷款交易下降了71％，收入下降了47％。该公司在2020年的前9个月中实现利润约460万美元，而去年同期的净替代接近1000万美元。</p><p>截至2020年9月30日，Upstart拥有5320万美元的现金和1.946亿美元的总负债。截至2020年9月30日的十二个月内，自由现金流为负（4550万美元）。从招股书来看Upstart已经将业务从个人贷款扩展到汽车贷款，信用卡，抵押，学生贷款，销售点贷款等。2020年6月，UPstart开始在的平台上提供汽车贷款，而2020年9月，第一笔汽车贷款是通过Upstart平台发起的。</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>“美版拼多多”和互金新贵今晚上市！看点几何？</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“美版拼多多”和互金新贵今晚上市！看点几何？\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\">2020-12-16 11:46</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p>在Airbnb和DoorDash都经历了上市首日“暴涨”之后，投资者对接下来的新股更加期待。本周最值得关注的两只美股新股都将在今晚上市，他们分别是被称为“美版拼多多”的跨境电商Wish母公司<a href=\"https://laohu8.com/S/WISH\">ContextLogic</a>和美国网贷平台<a href=\"https://laohu8.com/S/UPST\">Upstart</a>。美国“希望”和“新贵”今晚还能延续火爆行情吗？</p><p><b>一、“美版拼多多”能否复制拼多多走势？</b></p><p><img src=\"https://static.tigerbbs.com/4ef8e62e1671600a36f52fe0b4848abe\" tg-width=\"1000\" tg-height=\"665\"></p><p><b>IPO信息</b></p><p>股票代码：WISH</p><p>上市时间：12月16日（周三）</p><p>招股区间：22至24美元（<b>已定价24美元，位于区间顶端</b>）</p><p>发行规模：4600万股</p><p>募资规模：11亿美元</p><p>估值：超140亿美元</p><p>主要承销商：<a href=\"https://laohu8.com/S/GS\">高盛</a>、<a href=\"https://laohu8.com/S/JPM\">摩根大通</a>、<a href=\"https://laohu8.com/S/BAC\">美国银行</a>等</p><p>募资用途：净收益用于营运资金，运营支出，销售和市场营销支出，以资助我们业务的增长以及资本支出。</p><p><b>美版拼多多</b></p><p>Wish成立于2010年，主要目标客户是低收入人群，主打下沉市场，因此也被市场称作“美版拼多多”。该平台提供低价打折商品，包括廉价的家居用品和服装，以及电子产品和玩具，相对于<a href=\"https://laohu8.com/S/AMZN\">亚马逊</a>等电商平台，消费者在Wish更能找到实惠的产品，这也是Wish最大的优势。</p><p>招股书中Wish号称已经成为最大和增长最快的全球电子商务平台之一，目前Wish服务于100多个国家/地区，拥有超过1亿月活跃用户，平台给为50多万家商家提供约1.5亿件商品，每天售出约180万件商品。</p><p><img src=\"https://static.tigerbbs.com/5a6c3c520e1ca70dd55435490eeeff85\" tg-width=\"820\" tg-height=\"1061\"></p><p>值得关注的是，Wish中94%卖家都来自于中国，广东卖家占27%。Wish瞄准的是美国中下层消费者，其创始人Peter Szulczewski说过：“44%的美国消费者和85%的欧洲消费者家庭收入低于7万5千美元。此外，在非洲、中东、拉丁美洲和东欧等新兴经济体，平均家庭收入约为1.8万美元（约12万人民币）。我们建立Wish，是为了服务于那些看重实惠而非品牌和方便的消费者。”</p><p><b>“中西合璧”的创始人</b></p><p>值得一提的是，Wish的创始人是一对“中西合璧”的室友组合，他们分别是波兰裔加拿大人彼得-舒尔泽斯基（Peter Szulczewski）和来自中国广州的Danny Zhang（张晟）。两人曾经是加拿大滑铁卢大学的室友。大学毕业后Peter进入<a href=\"https://laohu8.com/S/GOOG\">谷歌</a>，2010年创办ContextLogic(Wish母公司)。张晟于同年离开AT&amp;T，与Peter一起联合创立了Wish，目前担任Wish首席技术官。</p><p><img src=\"https://static.tigerbbs.com/e4c3fe066b54354babc735616c9cc6dd\" tg-width=\"600\" tg-height=\"399\"></p><p><b>业绩概况</b></p><p>尽管账面资金充足，但是wish和拼多多最像的一点是，到现在都还在亏钱。</p><p>招股书显示，Wish在2017年、2018年、2019年营收分别为11亿美元、17.28亿美元、19亿美元；</p><p>2020年前9个月营收为17.47亿美元，上年同期的营收为13.25亿美元；</p><p>2020年前9个月净亏损1.76亿美元。2020年10月30日，累计赤字约为16亿美元。</p><p><img src=\"https://static.tigerbbs.com/bbc96c6508c32a45ecefab8b632c1607\" tg-width=\"1000\" tg-height=\"612\"></p><p>二、<b>美国的P2P新贵</b></p><p><img src=\"https://static.tigerbbs.com/234065ba20a5489de2adc3ec23031dc6\" tg-width=\"600\" tg-height=\"364\"></p><p><b>IPO信息：</b></p><p>股票代码：UPST</p><p>上市时间：12月16日（周三）</p><p>招股区间：20至22美元</p><p>发行规模：1200万股</p><p>募资额：至多2.64亿美元</p><p>市值：约15.9亿美元</p><p>募资用途：一般公司用途，包括营运资金，运营支出和资本支出。</p><p>主要承销商：高盛、<a href=\"https://laohu8.com/S/C\">花旗</a>、美国银行</p><p>Upstart上市之前已经筹集了近1.65亿美元的资金。其IPO的最大利益相关者是第三点风险投资公司（19.5％），石岭信托（9.5％），科斯拉风险投资公司（8.4％），乐天（5.3％）和First Round Capital（5.2％）。</p><p><b>人工智能贷款平台</b></p><p>Upstart成立于2012年，总部位于美国加州，是领先的人工智能（AI）贷款平台，旨在帮需要者找到负担得起的信贷，同时降低银行合作伙伴的风险和成本。Upstart最初的宗旨是构建年轻企业家和投资人的连接。2014年，Upstart认识到对消费者的未来分析将被更好地运用于个人贷款市场的趋势，就转向到了目前所处的在线借款平台，并且在看到<a href=\"https://laohu8.com/S/LC\">LendingClub</a>的迅猛增长，发现有这么多人的借贷请求时无法通过传统的银行来满足，开始产生了面向大学毕业生提供P2P贷款的商业思路。</p><p>自成立以来，Upstart的银行合作伙伴已发放了62万笔个人贷款，产生了超过900万笔还款事件。截至2020年9月30日的9个月中，由Upstart提供动力的贷款中约有70％是完全自动化的。</p><p>Upstart在招股书中自称是领先的基于云的人工智能贷款平台，但通俗点来说这依然是一家网上P2P贷款平台，大家都知道前几天，银保监会刘福寿在财经年会上表示，国内P2P网贷机构已经完全归零，那么到底是什么样的差距，让这家美国P2P公司没有走上中国同行全军覆灭的老路？</p><p><b>硅谷明星高管</b></p><p>Upstart的联合创始人兼首席执行官为Dave Girouard，他曾是谷歌企业应用前任总裁，因一手打造了价值超过10亿美元的谷歌企业应用部门而广为人知。</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/6cab7ad961c7bad22b91784ee0437adf\" tg-width=\"900\" tg-height=\"680\"><span>Dave Girouard</span></p><p>Girouard在上市后将拥有公司17.7%的股份。谷歌风投也是该公司的投资者，在上市后将拥有该公司1.1%的股份。</p><p>Girouard认为目前的信贷体系存在漏洞。他表示，年轻人，特别是千禧一代，需要一个更好的审查过程来提前预测他们的可信程度，即使他们目前没有足够的信贷经历。而Upstart通过创新的大数据征信的手段致力于解决年轻消费者的信贷难题，认为传统的信用评分并不能很好地描述年轻消费者的未来还款状况，相反，这些年轻人的教育程度和背景以及工作经历和这些消费者的未来金融状况密切相关。</p><p><b>商业模式</b></p><p>Upstart Holding公司提出了一种改进的基于机器学习的信用评分模型，该公司使用了1600个新的数据点，这些数据点更准确地描述了借款人，特别是考虑了他就读的学院，他所学的课程，甚至是GPA.该公司已经积累了150亿个数据点（输入参数和支付数据）。结果，使用该平台发放了622079笔贷款。测试表明，在Upstart评分的帮助下，有资格获得优惠贷款的潜在借款人将增加27%，对他们的利率下调平均将达到16%。同时，贷款质量并没有恶化。</p><p><img src=\"https://static.tigerbbs.com/eca6be16495bb6a0d3223534e33b350a\" tg-width=\"1089\" tg-height=\"471\"></p><p>该公司从银行获得佣金，并将借款人带到银行，银行可以访问基于云计算的评分系统，而借款人可以通过移动应用程序获得他们的评级。</p><p>银行也可以授权一个白标签解决方案，以自己的品牌提供评分，在这种情况下，Upstart充当了一种技术合作伙伴。它现在有10家合作银行，其中最大的是Cross River银行。它2008年由法国籍企业家Gilles Gayde创立，目前正积极与金融科技合作，它的客户包括市场、电子支付系统、p2p登陆和Ripple加密货币的运营商。</p><p><b>财务状况</b></p><p>招股书显示，Upstart在2017年、2018年、2019年营收分别为5729万美元、9931万美元、1.64亿美元；Upstart在2020年前9个月营收为1.47亿美元，上年同期的营收为1.02亿美元。</p><p>Upstart在2017年、2018年、2019年运营亏损分别为753.6万美元、797万美元、457.5万美元；Upstart在2020年前9个月运营利润为137.2万美元，上年同期的运营亏损为809万美元。</p><p><img src=\"https://static.tigerbbs.com/631f730273d1906cf81cc698c4be6842\" tg-width=\"1096\" tg-height=\"694\"></p><p>尽管第二季度业绩不佳，但其利润仍然很高，第二季度其合作伙伴在大流行开始时暂时暂停了贷款，导致第二季度的贷款交易下降了71％，收入下降了47％。该公司在2020年的前9个月中实现利润约460万美元，而去年同期的净替代接近1000万美元。</p><p>截至2020年9月30日，Upstart拥有5320万美元的现金和1.946亿美元的总负债。截至2020年9月30日的十二个月内，自由现金流为负（4550万美元）。从招股书来看Upstart已经将业务从个人贷款扩展到汽车贷款，信用卡，抵押，学生贷款，销售点贷款等。2020年6月，UPstart开始在的平台上提供汽车贷款，而2020年9月，第一笔汽车贷款是通过Upstart平台发起的。</p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/e2bc484766922e67d87fdb952e5532ab","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1135431057","content_text":"在Airbnb和DoorDash都经历了上市首日“暴涨”之后，投资者对接下来的新股更加期待。本周最值得关注的两只美股新股都将在今晚上市，他们分别是被称为“美版拼多多”的跨境电商Wish母公司ContextLogic和美国网贷平台Upstart。美国“希望”和“新贵”今晚还能延续火爆行情吗？一、“美版拼多多”能否复制拼多多走势？IPO信息股票代码：WISH上市时间：12月16日（周三）招股区间：22至24美元（已定价24美元，位于区间顶端）发行规模：4600万股募资规模：11亿美元估值：超140亿美元主要承销商：高盛、摩根大通、美国银行等募资用途：净收益用于营运资金，运营支出，销售和市场营销支出，以资助我们业务的增长以及资本支出。美版拼多多Wish成立于2010年，主要目标客户是低收入人群，主打下沉市场，因此也被市场称作“美版拼多多”。该平台提供低价打折商品，包括廉价的家居用品和服装，以及电子产品和玩具，相对于亚马逊等电商平台，消费者在Wish更能找到实惠的产品，这也是Wish最大的优势。招股书中Wish号称已经成为最大和增长最快的全球电子商务平台之一，目前Wish服务于100多个国家/地区，拥有超过1亿月活跃用户，平台给为50多万家商家提供约1.5亿件商品，每天售出约180万件商品。值得关注的是，Wish中94%卖家都来自于中国，广东卖家占27%。Wish瞄准的是美国中下层消费者，其创始人Peter Szulczewski说过：“44%的美国消费者和85%的欧洲消费者家庭收入低于7万5千美元。此外，在非洲、中东、拉丁美洲和东欧等新兴经济体，平均家庭收入约为1.8万美元（约12万人民币）。我们建立Wish，是为了服务于那些看重实惠而非品牌和方便的消费者。”“中西合璧”的创始人值得一提的是，Wish的创始人是一对“中西合璧”的室友组合，他们分别是波兰裔加拿大人彼得-舒尔泽斯基（Peter Szulczewski）和来自中国广州的Danny Zhang（张晟）。两人曾经是加拿大滑铁卢大学的室友。大学毕业后Peter进入谷歌，2010年创办ContextLogic(Wish母公司)。张晟于同年离开AT&T，与Peter一起联合创立了Wish，目前担任Wish首席技术官。业绩概况尽管账面资金充足，但是wish和拼多多最像的一点是，到现在都还在亏钱。招股书显示，Wish在2017年、2018年、2019年营收分别为11亿美元、17.28亿美元、19亿美元；2020年前9个月营收为17.47亿美元，上年同期的营收为13.25亿美元；2020年前9个月净亏损1.76亿美元。2020年10月30日，累计赤字约为16亿美元。二、美国的P2P新贵IPO信息：股票代码：UPST上市时间：12月16日（周三）招股区间：20至22美元发行规模：1200万股募资额：至多2.64亿美元市值：约15.9亿美元募资用途：一般公司用途，包括营运资金，运营支出和资本支出。主要承销商：高盛、花旗、美国银行Upstart上市之前已经筹集了近1.65亿美元的资金。其IPO的最大利益相关者是第三点风险投资公司（19.5％），石岭信托（9.5％），科斯拉风险投资公司（8.4％），乐天（5.3％）和First Round Capital（5.2％）。人工智能贷款平台Upstart成立于2012年，总部位于美国加州，是领先的人工智能（AI）贷款平台，旨在帮需要者找到负担得起的信贷，同时降低银行合作伙伴的风险和成本。Upstart最初的宗旨是构建年轻企业家和投资人的连接。2014年，Upstart认识到对消费者的未来分析将被更好地运用于个人贷款市场的趋势，就转向到了目前所处的在线借款平台，并且在看到LendingClub的迅猛增长，发现有这么多人的借贷请求时无法通过传统的银行来满足，开始产生了面向大学毕业生提供P2P贷款的商业思路。自成立以来，Upstart的银行合作伙伴已发放了62万笔个人贷款，产生了超过900万笔还款事件。截至2020年9月30日的9个月中，由Upstart提供动力的贷款中约有70％是完全自动化的。Upstart在招股书中自称是领先的基于云的人工智能贷款平台，但通俗点来说这依然是一家网上P2P贷款平台，大家都知道前几天，银保监会刘福寿在财经年会上表示，国内P2P网贷机构已经完全归零，那么到底是什么样的差距，让这家美国P2P公司没有走上中国同行全军覆灭的老路？硅谷明星高管Upstart的联合创始人兼首席执行官为Dave Girouard，他曾是谷歌企业应用前任总裁，因一手打造了价值超过10亿美元的谷歌企业应用部门而广为人知。Dave GirouardGirouard在上市后将拥有公司17.7%的股份。谷歌风投也是该公司的投资者，在上市后将拥有该公司1.1%的股份。Girouard认为目前的信贷体系存在漏洞。他表示，年轻人，特别是千禧一代，需要一个更好的审查过程来提前预测他们的可信程度，即使他们目前没有足够的信贷经历。而Upstart通过创新的大数据征信的手段致力于解决年轻消费者的信贷难题，认为传统的信用评分并不能很好地描述年轻消费者的未来还款状况，相反，这些年轻人的教育程度和背景以及工作经历和这些消费者的未来金融状况密切相关。商业模式Upstart Holding公司提出了一种改进的基于机器学习的信用评分模型，该公司使用了1600个新的数据点，这些数据点更准确地描述了借款人，特别是考虑了他就读的学院，他所学的课程，甚至是GPA.该公司已经积累了150亿个数据点（输入参数和支付数据）。结果，使用该平台发放了622079笔贷款。测试表明，在Upstart评分的帮助下，有资格获得优惠贷款的潜在借款人将增加27%，对他们的利率下调平均将达到16%。同时，贷款质量并没有恶化。该公司从银行获得佣金，并将借款人带到银行，银行可以访问基于云计算的评分系统，而借款人可以通过移动应用程序获得他们的评级。银行也可以授权一个白标签解决方案，以自己的品牌提供评分，在这种情况下，Upstart充当了一种技术合作伙伴。它现在有10家合作银行，其中最大的是Cross River银行。它2008年由法国籍企业家Gilles Gayde创立，目前正积极与金融科技合作，它的客户包括市场、电子支付系统、p2p登陆和Ripple加密货币的运营商。财务状况招股书显示，Upstart在2017年、2018年、2019年营收分别为5729万美元、9931万美元、1.64亿美元；Upstart在2020年前9个月营收为1.47亿美元，上年同期的营收为1.02亿美元。Upstart在2017年、2018年、2019年运营亏损分别为753.6万美元、797万美元、457.5万美元；Upstart在2020年前9个月运营利润为137.2万美元，上年同期的运营亏损为809万美元。尽管第二季度业绩不佳，但其利润仍然很高，第二季度其合作伙伴在大流行开始时暂时暂停了贷款，导致第二季度的贷款交易下降了71％，收入下降了47％。该公司在2020年的前9个月中实现利润约460万美元，而去年同期的净替代接近1000万美元。截至2020年9月30日，Upstart拥有5320万美元的现金和1.946亿美元的总负债。截至2020年9月30日的十二个月内，自由现金流为负（4550万美元）。从招股书来看Upstart已经将业务从个人贷款扩展到汽车贷款，信用卡，抵押，学生贷款，销售点贷款等。2020年6月，UPstart开始在的平台上提供汽车贷款，而2020年9月，第一笔汽车贷款是通过Upstart平台发起的。","news_type":1},"isVote":1,"tweetType":1,"viewCount":419,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3527667803686145","authorId":"3527667803686145","name":"社区成长助手","avatar":"https://static.tigerbbs.com/2b7c7106b5c0c8b0037faa67439d898f","crmLevel":1,"crmLevelSwitch":0},"content":"终于等到了您的初发帖[比心][比心]发帖时关联相关股票或者相关话题，可以获得更多曝光哦～如果您想创作优质文章，请查看老虎社区创作指引","text":"终于等到了您的初发帖[比心][比心]发帖时关联相关股票或者相关话题，可以获得更多曝光哦～如果您想创作优质文章，请查看老虎社区创作指引","html":"终于等到了您的初发帖[比心][比心]发帖时关联相关股票或者相关话题，可以获得更多曝光哦～如果您想创作优质文章，请查看老虎社区创作指引"}],"imageCount":0,"langContent":"CN","totalScore":0},{"id":386105248,"gmtCreate":1613141277884,"gmtModify":1613141277884,"author":{"id":"3569511786934344","authorId":"3569511786934344","name":"罗申","avatar":"https://static.tigerbbs.com/d64b429dcafb632bd4879a3655d66142","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"<a 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