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阳光毒药
2020-03-24
真是难为这记者熬夜胡说八道了
股价早已破净,宜人金科仍将死守P2P甚至与监管打太极?
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,"text":"真是难为这记者熬夜胡说八道了","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/920630662","repostId":"2021951220","repostType":2,"repost":{"id":"2021951220","kind":"news","pubTimestamp":1584971784,"share":"https://www.laohu8.com/m/news/2021951220?lang=&edition=full","pubTime":"2020-03-23 21:56","market":"us","language":"zh","title":"股价早已破净,宜人金科仍将死守P2P甚至与监管打太极?","url":"https://stock-news.laohu8.com/highlight/detail?id=2021951220","media":"和讯","summary":"3月22日，银保监会副主席周亮在新闻发布会上表示，银保监会还会继续打好防范化解金融风险攻坚战，下一步重点工作包括“继续推进网络借贷的专项整治“。监管趋严，退出或转型成行业主流趋势之下，宜人金科却在“死","content":"<html><body><article><p>3月22日，银保监会副主席周亮在新闻发布会上表示，银保监会还会继续打好防范化解金融风险攻坚战，下一步重点工作包括“继续推进网络借贷的专项整治“。</p><p>监管趋严，退出或转型成行业主流趋势之下，<a href=\"https://laohu8.com/S/YRD\">宜人金科</a>却在“死守”P2P，甚至与监管“打太极”。</p><p>宜人金科仍电话营销推广业务、借贷金额继续大增</p><p>“三降”政策下，网贷监管趋严，退出成为互金企业的主潮流。</p><p>但是宜人金科近期的表现都与主流背道而驰。</p><p>近期不少人都接到了这样的电话：“您好，这里是宜人金科旗下宜信普惠。疫情当前，希望您和家人平安、健康，您的企业运营是否遇到困难，看看我们能为您做点什么？”</p><p>这是宜人金科旗下宜信普惠在电话营销推广其产品。这显示宜人金科在疫情低潮期仍在加大业务力度。</p><p>在大量网贷平台退出情况下，已有的最新数据显示，宜人金科借贷金额和借款人都在继续增长。最新三季报显示，2019年第三季度，宜人金科促成借款总额达104.96亿元，相较于二季度96.74亿元环比增长8.5%。累计借款人数4,593,590人，相较于二季度4,491,761人环比增长2%。</p><p>转型迟缓，宜人金科已铁心“死守”P2P</p><p>随着P2P平台网贷业务规模的缩减，中小平台大量退出，大多数大型平台或者退出、或者转型助贷业务，加强与金融机构合作，提升机构资金占比。</p><p>相关最新消息显示，宜人金科在公布2019年二季度财报时表示，公司已从合作的机构处获得300亿元的资金。但宜人金科二季度的借贷余额就将近1300亿元，因此宜人金科的机构资金占比约为23%，仍然大幅落后于行业。</p><p>根据宜人金科当时的预计，到2019年年底，其由机构合作伙伴提供资金的贷款发放量也不过30%左右。</p><p>宜信（宜人金科母公司）创始人唐宁表示，“我们看到银行和机构合作伙伴对我们的消费贷款资产的需求。我们的技术解决方案，将加强我们与银行等机构合作伙伴的关系”。</p><p>可见宜人金科与机构合作的重点放在了技术方面，至于资金合作，截止目前再无相关数据可查。</p><p>众多迹象显示，宜人金科转型迟缓，应当已经铁了心要“死守”P2P了。</p><p>面对压力，宜人金科与监管“打太极”</p><p>“死守”P2P代表这宜人金科将面对着巨大的监管压力，即使宜人金科持有牌照、或者美股上市也不会例外。对此，宜人金科不惜与监管“打起了太极”。</p><p>例如在此前的APP专项治理工作组发布了61款APP存在收集使用个人信息问题的通告，宜人金科旗下的“宜人贷借款”赫然在列。</p><p>值得注意的是，宜人金科在之前的通报中已经被点过名。7月至10月，App专项治理工作组根据评估中发现的收集使用个人信息问题向134家问题App运营者发送整改通知，并建议其1个月内整改。但截至最后整改日期，宜人金科尚未完成整改，因而被再次上榜。</p><p>更甚的是，宜人金科在此前曾对媒体表示宜人金科在报告中针对其中某一问题，与工作组详细解释了互联网金融产品风控和反欺诈的特殊性。这显示宜人金科面对监管不仅两次整个不合格，还试图协调监管根据自身情况修改监管标准。</p><p>可见宜人金科也意识到自身面临的监管压力，采取了“打太极”的方式为企业获得生存空间。</p><p>资本市场对宜人金科这种与主流相向而行的表现已经选择了用脚投票。截止3月22日，宜人金科股价仅3.34美元，市净率仅0.77，总市值3.15亿。相比上市估值的24.4亿美元，已大幅缩水。</p><p>值得一提的是，<a href=\"https://laohu8.com/S/UBS\">瑞银</a>投资和<a href=\"https://laohu8.com/S/CS\">瑞士信贷</a>均在近日下调了宜人金科的评级，预计宜人金科未来恐面临更加严峻的形势。</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 name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>股价早已破净,宜人金科仍将死守P2P甚至与监管打太极?</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{ 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0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n股价早已破净,宜人金科仍将死守P2P甚至与监管打太极?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2020-03-23 21:56 北京时间 <a href=http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN202003232233267a54a248&s=b><strong>和讯</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>3月22日，银保监会副主席周亮在新闻发布会上表示，银保监会还会继续打好防范化解金融风险攻坚战，下一步重点工作包括“继续推进网络借贷的专项整治“。监管趋严，退出或转型成行业主流趋势之下，宜人金科却在“死守”P2P，甚至与监管“打太极”。宜人金科仍电话营销推广业务、借贷金额继续大增“三降”政策下，网贷监管趋严，退出成为互金企业的主潮流。但是宜人金科近期的表现都与主流背道而驰。近期不少人都接到了这样的...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN202003232233267a54a248&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/00b7d70423af402de8fcef957dcb2900","relate_stocks":{"YRD":"宜人智科"},"source_url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN202003232233267a54a248&s=b","is_english":false,"share_image_url":"https://static.laohu8.com/9a95c1376e76363c1401fee7d3717173","article_id":"2021951220","content_text":"3月22日，银保监会副主席周亮在新闻发布会上表示，银保监会还会继续打好防范化解金融风险攻坚战，下一步重点工作包括“继续推进网络借贷的专项整治“。监管趋严，退出或转型成行业主流趋势之下，宜人金科却在“死守”P2P，甚至与监管“打太极”。宜人金科仍电话营销推广业务、借贷金额继续大增“三降”政策下，网贷监管趋严，退出成为互金企业的主潮流。但是宜人金科近期的表现都与主流背道而驰。近期不少人都接到了这样的电话：“您好，这里是宜人金科旗下宜信普惠。疫情当前，希望您和家人平安、健康，您的企业运营是否遇到困难，看看我们能为您做点什么？”这是宜人金科旗下宜信普惠在电话营销推广其产品。这显示宜人金科在疫情低潮期仍在加大业务力度。在大量网贷平台退出情况下，已有的最新数据显示，宜人金科借贷金额和借款人都在继续增长。最新三季报显示，2019年第三季度，宜人金科促成借款总额达104.96亿元，相较于二季度96.74亿元环比增长8.5%。累计借款人数4,593,590人，相较于二季度4,491,761人环比增长2%。转型迟缓，宜人金科已铁心“死守”P2P随着P2P平台网贷业务规模的缩减，中小平台大量退出，大多数大型平台或者退出、或者转型助贷业务，加强与金融机构合作，提升机构资金占比。相关最新消息显示，宜人金科在公布2019年二季度财报时表示，公司已从合作的机构处获得300亿元的资金。但宜人金科二季度的借贷余额就将近1300亿元，因此宜人金科的机构资金占比约为23%，仍然大幅落后于行业。根据宜人金科当时的预计，到2019年年底，其由机构合作伙伴提供资金的贷款发放量也不过30%左右。宜信（宜人金科母公司）创始人唐宁表示，“我们看到银行和机构合作伙伴对我们的消费贷款资产的需求。我们的技术解决方案，将加强我们与银行等机构合作伙伴的关系”。可见宜人金科与机构合作的重点放在了技术方面，至于资金合作，截止目前再无相关数据可查。众多迹象显示，宜人金科转型迟缓，应当已经铁了心要“死守”P2P了。面对压力，宜人金科与监管“打太极”“死守”P2P代表这宜人金科将面对着巨大的监管压力，即使宜人金科持有牌照、或者美股上市也不会例外。对此，宜人金科不惜与监管“打起了太极”。例如在此前的APP专项治理工作组发布了61款APP存在收集使用个人信息问题的通告，宜人金科旗下的“宜人贷借款”赫然在列。值得注意的是，宜人金科在之前的通报中已经被点过名。7月至10月，App专项治理工作组根据评估中发现的收集使用个人信息问题向134家问题App运营者发送整改通知，并建议其1个月内整改。但截至最后整改日期，宜人金科尚未完成整改，因而被再次上榜。更甚的是，宜人金科在此前曾对媒体表示宜人金科在报告中针对其中某一问题，与工作组详细解释了互联网金融产品风控和反欺诈的特殊性。这显示宜人金科面对监管不仅两次整个不合格，还试图协调监管根据自身情况修改监管标准。可见宜人金科也意识到自身面临的监管压力，采取了“打太极”的方式为企业获得生存空间。资本市场对宜人金科这种与主流相向而行的表现已经选择了用脚投票。截止3月22日，宜人金科股价仅3.34美元，市净率仅0.77，总市值3.15亿。相比上市估值的24.4亿美元，已大幅缩水。值得一提的是，瑞银投资和瑞士信贷均在近日下调了宜人金科的评级，预计宜人金科未来恐面临更加严峻的形势。","news_type":1},"isVote":1,"tweetType":1,"viewCount":1766,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"hots":[{"id":920630662,"gmtCreate":1584985917656,"gmtModify":1704356493792,"author":{"id":"42594113478454","authorId":"42594113478454","name":"阳光毒药","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"42594113478454","authorIdStr":"42594113478454"},"themes":[],"htmlText":"真是难为这记者熬夜胡说八道了","listText":"真是难为这记者熬夜胡说八道了","text":"真是难为这记者熬夜胡说八道了","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/920630662","repostId":"2021951220","repostType":2,"isVote":1,"tweetType":1,"viewCount":1766,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"lives":[]}
