3D彩票

大连贴膜并未透露任何备案的信号

LAIYUAN:ANHUAXINWEN   2019-07-23 12:17  BIANJI:ANHUAXINWEN  RENQI:


大连贴膜并未透露任何备案的信号

3D彩票SHICHANGLONGTOU,MINGTOUDA,ZERENYEDA。SHICHANGQINGXULEGUANSHI,LONGTOUSHITANLUXIANFENG,JUEDINGZHEXINGYEKONGJIANYUBIANJIE;SHICHANGQINGXUBEIGUANSHI,LONGTOUZESHIBIYINSUO,SUOWEITIANTALE,GEZIGAODEDINGZHE,LONGTOUZAI,XINXINJIUZAI。

ZAIWANGDAIXINGYE,LUJINSUOSHIDIYILONGTOU,SHIFENGXIANGBIAO,YESHIQINGTIANZHU。XINGYEBENYIFENGYUPIAOYAO,RUOLUJINSUOYECHELE,WANGDAIXINGYEHAICHENGDEZHUME?

假如要退,真正理由是什么?

MIANDUITUICHUCHUANWEN,LUJINSUO(LUJINSUOKONGGUYOUXIANGONGSI)BINGWEIZHENGMIANHUIYING,ZHICEMIANDAO“QIXIALUJINFU(SHANGHAILUJINSUOHULIANWANGJINRONGXINXIFUWUYOUXIANGONGSI,JIANCHENGLUJINFU,ZUOZHEZHU)P2PYEWUZHENGJIJIXIANGYINGHEPEIHEJIANGUAN‘SANJIANG’YAOQIU,XIANYOUCHANPINYUKEHUQUANYIBUSHOUYINGXIANG。”

JIARUYAOTUI,YOUHELIYOUNI?

内部贡献大小不是理由,蚊子腿也是肉; 网贷负面舆情多发,挡不住陆金服的脚步,从历史上看,即便出现过债转风波,出借人对陆金服的信心从未更改; 至于备案前景渺茫,于陆金服更不是问题,只要还有备案,哪怕最终只有两家,陆金服必占其一。

在我看来,最大的理由可能在战略层面,即对平安集团而言,网贷业务失去了牌照协同价值,或者说,即便获得备案,也只是一块毫无差异性的牌照罢了。

BAWANGDAIYIFENWEIER,YIDUANSHIFANGDAI,DUIYINGFANGDAIPAIZHAO;YIDUANSHITOUZI,DUIYINGZIGUANPAIZHAO。PINGANJITUANSHIQUANPAIZHAOJIGOU,NAGEDOUBUQUE。JIUNATOUZIDUANLAIKAN,CHUYINXINGHEBAOXIANPAIZHAOWAI,PINGANQIXIAHAIYOUPINGANXINTUO、PINGANZHENGQUAN、PINGANZICHANGUANLI、PINGANDAHUAJIJINYIJIPINGANRONGZIZULINDENGPAIZHAOKEZUOTOUZIYEWU。

3D彩票CONGPAIZHAOCHAYIXINGSHANGKAN,P2PDEYOUSHIZAIYUQINGZICHANYUNYING,DINGWEIYUCHUNCUIDEXINXIZHONGJIE,BUXIAOHAOZIBENJIN。LIRU,JIEZHI2018NIANMO,LUJINFUDEZHUCEZIBENZHIYOU1YIYUAN,SUOYOUZHEQUANYIYEZHIYOU1.075YIYUAN,QUEKEGUANLIQIANYIGUIMO。XIANGBIZHIXIA,QITADEZIGUANPAIZHAO,TAIXIAOHAOZIBENJINLE。

SUOYI,JINGUANP2PWENSHIYILAIZHENGYIBUDUAN,DANPINGANHAISHIYITOUZHAJINQU,BINGZHANGQIBAOCHIDIYIMING。XIANZAIZHISUOYICHUANCHUTUICHUDEXIAOXI,YINGGAIYUP2PBUZAISHIBUXIAOHAOZIBENJINDECHUNCUIXINXIZHONGJIEYOUGUAN。

2019NIAN4YUEFEN,CAIXINPILULEYIFENBEIANWENJIAN,CONGZHONGBUNANKANCHUJIANGUANDUIYUWANGDAIXINGYEYOULEXINDEGUANLISILU,RUKAISHIDUIWANGDAIPINGTAITICHUZHUCEZIBENJIN、YIBANFENGXIANZHUNBEIJINHECHUJIERENFENGXIANBUCHANGJINDENGYAOQIU:

注册资本,区域P2P不低于5000万元,全国性P2P不低于5亿元; 一般风险准备金,区域P2P按撮合余额的1%提取,全国P2P按照3%提取; 出借人风险补偿金,区域P2P按借款项目金额的3%提取,全国P2P按6%提取。

ZHAOCIBIAOZHUNKAN,QIANYIYUE,XUYAOJITIFENGXIANZHUNBEIJIN30YI、CHUJIERENFENGXIANBUCHANGJIN60YI,HEJI90YIYUAN。

ZHEI90YIZIJINJIDAOYINXING,YIYANGKEYIZUODAOQIANYIGUIMO,ZUOP2PHAIYOUSHENMEEWAIJIAZHINI?TUICHUSUANLE。

撤出网贷,于平安“损伤”几何

3D彩票CONGYEWUCENGMIANKAN,CHECHUWANGDAI,YUPINGANJITUANYINGXIANGJIHENI?FENBIEKANYIXIA:

1、营收价值几何?

CONGZIJINDUANKAN,WANGDAISHIZIGUANYEWUDEFENZHI。2018NIANMO,LUJINFUPINGTAIJIEDAIYUE1097YIYUAN,ZAIWANGDAIXINGYEZHANBI14%,ZAIPINGANJITUANNEIBU,JINZHANPINGANZIGUANZONGGUIMODE3.8%。

2018NIAN,LUJINFUQUANNIANSHIXIANYINGSHOU30YIYUAN,SHIXIANJINGLIRUN0.11YIYUAN,ZAIPINGANJINRONGKEJIYUYILIAOKEJIBANKUAIZHANBI0.14%,ZAIJITUANCENGMIANZHANBIJINWEIWANFENZHI0.9,DIDAOKEHULVEBUJI。

CONGYUQILVSHUJUKAN,2019NIAN6YUEMO,LUJINFUXIANGMUYUQILV3.6%,JINEYUQILV0.21%,ZHUYUEDIZENG,HUIJINYIBUXUERUOQIYINGSHOUGONGXIAN。


大连贴膜并未透露任何备案的信号

2、流量价值几何?

2018NIANMO,PINGANJITUANHEXINJINRONGYEWUGERENKEHUSHU(CHIYOUPINGANJITUANQIXIAHEXINJINRONGGONGSIYOUXIAOJINRONGCHANPINDEGERENKEHU,FEIZHUCEYONGHUGAINIAN)1.84YI,QUANNIANXINZENGCHAOGUOSIQIANWAN,QIZHONGCHAOGUOSANFENZHIYISHILAIZIWUDASHENGTAIQUAN(JINRONGFUWU、YILIAOJIANKANG、QICHEFUWU、FANGCHANFUWU、ZHIHUICHENGSHI)DEHULIANWANGYONGHU。

TONGQI,PINGANJITUANJINRONGKEJIYUYILIAOKEJIGONGSI(JIJITUANCENGMIANKOUCHUHEXINJINRONGGONGSIBANKUAI)HULIANWANGYONGHUSHU(CICHUZHIZHUCEYONGHU)4.77YI,TONGBIZENGZHANG24.5%。

YUZHIXIANGBI,2018NIANLUJINFULEIJIXINZENGCHUJIERENBUZU24WAN,ZAIQIANWANJI、YIJIYONGHUQUNZHONG,YIKEHULVEBUJI。

3、于陆金所控股的战略价值几何?

2018NIAN,LUJINSUOKONGGUWANCHENGCLUNRONGZI,TOUHOUGUZHI394YIMEIYUAN。WANGDAISHILUJINSUOKONGGUDEHEXINDANYUANZHIYI,TUICHUWANGDAI,DUILUJINSUOKONGGUGUZHISHENZHIYIHOUDESHANGSHIJINCHENG,YOUMEIYOUSHIZHIXINGYINGXIANGNI?

3D彩票2018NIANMO,LUJINSUOKONGGUDEHUOYUETOUZIYONGHUCHAOGUO1100WAN,ERLUJINFULEIJICHUJIERENSHUJINWEI84WAN,ZHANBI7.6%;ZICHANGUANLIGUIMO3694YIYUAN,QIZHONGWANGDAIBANKUAI1097YIYUAN,ZHANBI30%。

CONGZHANBIKAN,YOUYIDINGFENLIANG。DANGUIGENJIEDI,TUICHUWANGDAI,ZHISHIZIJINDUANCONGCDUANCHUJIERENZHUANXIANGJIGOUZIJIN,ZICHANDUANDE146WANJIEKUANREN(2019NIAN6YUEMOSHUJU)BUSHOUYINGXIANG,QIANYIGUIMOYEBUSHOUYINGXIANG,SHOUYINGXIANGDEZHISHI65WANYOUYUEDECHUJIEREN(2019NIAN6YUEMOSHUJU)。

3D彩票ERZHEI65WANCHUJIEREN,BUTOUWANGDAI,HAIKETOULUJINSUOQITAZIGUANCHANPIN,WEIBIDOUHUILIUSHI。JIEZHI2019NIAN6YUE,LUJINFULEIJIRENJUNCHUJIEJINE37.64WANYUAN,YIJINGGAOYUHENDUOSIMUCHANPINDEQIGOUMENJIAN,ZHUANHUANANDUBINGBUDA。

SUOYI,TUICHUWANGDAI,YULUJINSUOKONGGUDEZHANLVEJIAZHIBINGWUSHIZHIYINGXIANG。

网贷行业,还有未来么?

YOUSHIWOMENPINGJIAYIGEREN,ZAIYIGEQUANZILISHIDASHENJIDEHUANGJINSHENGDOUSHI,FANGDAOLINGYIGEQUANZILIANQINGTONGDOUBUSUAN。FANGUOLAIYIRAN,DUIYULUJINFU,ZAIPINGANJITUANNEIBUZHISHIXIAODIZHONGDEXIAODI——PAIBUSHANGHAO,DANRUOFANGZAIWANGDAIXINGYE,ZESHIJUEDUIYIGE(KEJIANWANGDAIXINGYEZAIJINRONGTIXINEIDEYINGXIANGWEIHUQIWEI)。

ZAIWANGDAIXINGYE,LUJINFUSHIWUKEZHENGYIDEBAZHU,DUONIANLAIWENWENDANGDANG,WULUNXINGYEFENGYUBIANQIAN,WOZIDULIAOTOU,KUIRANBUDONG。

DANGQIAN,WANGDAIXINGYEZAICHIXUSUOSHUI,JIZHONGDUJIXUTISHENG,SHIDATOUBUPINGTAIDAISHOUZHANBICHAOGUO46%,TOUBUPINGTAIDEYINGXIANGYULAIYUDA。JIEZHI2019NIAN6YUEMO,LUJINFUJIEDAIYUE984YIYUAN,XINGYEZHANBI14.32%。


大连贴膜并未透露任何备案的信号

DANGLUJINFUTUICHUDEXIAOXICHUANLAI,BUSHAORENDECHUJIELUN:WANGDAIYAOWANWANLE。QISHI,ZENMEHUIWANWANNI?WANWANHOUDAJIAQUNAERNI?

LUJINFUYIZHUANSHEN,TOURUDAOPINGANJITUANDEWANGYANGDAHAI,QITADEP2PZHUANSHENHOU,ZHINENGZUOZUOZHUDAI,YOUSHENMEZHIDEQIDAIDENI?BIJING,BEIANHOUDEP2PKEYIJIANZUOZHUDAI,DANCHUNCUIDEZHUDAIPINGTAIZAIYEWUFASHEZUP2P。

SUOYI,CHUFEIZHENGCECENGMIANYOUYIDAOQIEDEYAOQIU,FOUZEYUTOUBUWANGDAIPINGTAIERYAN,ZUIYOUDEXUANZEHAISHIDENGDAIBEIAN,ZHUANXINGZHUDAI,ZHISHIYITIAOTUILU,BUDEYISHIDEBEIXUAN。

TOUBUPINGTAIDENGDAIBEIAN,BEIANQUECHICHIBULAI。

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