幸运飞艇不贪稳赚

小赢理财上市 市值略超过拍拍贷

作者:小柠类型:整合 发布时间:2018-11-04 08:30

幸运飞艇不贪稳赚 XIAOYINGKEJIZAINIUJIAOSUOSHANGSHILE,GUJIAZOUSHITURUXIA,DUANSHIJIANNEIYIDUFANBEI。

 

小赢科技股价走势图

 

幸运飞艇不贪稳赚 GERENGANJUEZHEIGEQINGKUANGHELEXINSHANGSHISHIHENXIANG,YINWEISHICHANGQINGXUBUHAO,ZHAOGUJIASHEDINGJIAODI,SHANGSHIHOUSHICHANGJIYULEJIAZHIHUIGUI。

MEIYIJIASHANGSHIDEP2PPINGTAIDOUSHIZHIDEBEIYANJIUDEYANGBEN。

WOMENJIEXIAOYINGLICAI,ZONGJIEJITIAOYIP2PWEIZHUDE「JINRONGKEJIGU」MENDEGUANJIANCAIWUZHIBIAOHESHANGYELUOJI,GONGDAJIACANKAO:

1、BUGUANSHIGANGGUHAISHIMEIGU,MUQIANNENGSHANGSHIDEPINGTAI,WUYILIWAI,DOUKAODAIKUANSHOUQUFUWUFEISHANGAN—ZHEISHIGONGSIYINGLIDEHEXINYEWU。

 

640 (1).webp.jpg

 

幸运飞艇不贪稳赚 LAIYUAN:XIAOYINGLICAIZHAOGUSHU、LINGYICAIJINGRUSHANGTU,GEXIANGDAIKUANFUWUFEISHIZUIZHUYAODESHOURULAIYUAN,ZHANZONGSHOURU90%YISHANG。DUIYUDAIKUANYEWU,YIGEHENZHONGYAODEWENTIJIUSHI「XIAOLV」。

ZICHANBENSHENJIUYOUXIAOLVDEQUBIE—XIANJINDAI、XINDAIZHEIZHONGZHUYAOYIKAOFENGKONGMOXING,JIQISHENHEJUECEDEZICHAN,TIANRANGENGGAOXIAO。

幸运飞艇不贪稳赚 GAOXIAOYIWEIZHEGENGRONGYIKUOZHANG。RUGUOCHEDAIXIANGKUOZHANG,BIXUXIANXIAKAIDIANZHAOREN,ZHEIXIEDOUSHIHENGAODEYUNYINGCHENGBEN。DANXINDAIBUTONG,XIANSHANGHECHANGJINGLIULIANGDEHUOQUZHONGJIUSHIGENGBIANYIDE。

ERQIEXINDAIXIAOEFENSANDETEDIAN,YEHENSHOUSHICHANGQINGLAI,YINWEIHUAIZHANGGENGKEKONG,JIANGUANZHICHI,DANBAOJIGOUHEBAOXIANGONGSIYEYUANYIWEIZHEIZHONGZICHANZUOBEISHU—XIAOYINGHEZHONGANBAOXIANDEHEZUOXIANLIJIUSHIDIANXING。

ZHEIYESHIWEISHENMEMUQIANYIJINGSHANGSHIDEPINGTAIJIBENDOUYIXINDAIWEIZHU。

2、HENGLIANGSHANGSHIPINGTAIDEZENGSU,JIEKUANDUANDEXIANGGUANCAIWUZHIBIAOFEICHANGGUANJIAN。

 

借款端的相关财务指标

 

LAIYUAN:XIAOYINGLICAIZHAOGUSHU

幸运飞艇不贪稳赚 XIAOYING2017NIANZONGFANGDAIJINESHI2016NIANDE1.8BEI,2018NIANQIAN6GEYUEDEZONGFANGDAIJINEDADAOLE2017NIANDE57.8%。

CONGGUOQUDESHUJULAIKAN,ZENGSUHAISHIBIJIAOMINGXIANDE。DANGRAN,ZUIJINXINGQINGZHEIMECHA,WULUNSHIXIAOYINGHAISHIQITAPINGTAI,FANGDAILIANGKENDINGYAOYOUSUOXIAJIANG。

幸运飞艇不贪稳赚 BUGUOGERENJUEDEXIANGBIQITAPINGTAILAISHUO,XIAOYINGSHOUDEYINGXIANGYAOXIAO。

幸运飞艇不贪稳赚 CONGFANGDAILIANGLAIKAN,XIAOYINGKADAISUOZHANBILIZUIGAO,MUQIANYIJINGJIEJIN70%。XIAOYINGKADAIDEZHUYAOYEWUSHI「XINYONGKADAIHAI」。

JUYIJIAGUOJIZIXUNGONGSIDESHUJU,CONG2017NIANDAO2021NIAN,XINYONGKADAIHAIYEWUDENIANFUHEZENGZHANGLVJIANGSHI76%。

ZHEISHUOMINGZHEIXIANGYEWUDEXUQIUQISHISHIFEICHANGDADE。

3、另一个增量来源是切入更多的场景,小赢卡贷就是场景化的一个例子。

幸运飞艇不贪稳赚 LINGWAI,XIAOYINGDEGUDONGZAIYIXIELINGYUYOUZHEHENQIANGDEHAOZHAOLI,BAOKUO:ZHOUDAFU、JINTANGLANG、JINKEYULEQIXIACHANYEJIJIN、SHANGHAICHENGSHIDICHAN、XINHUALIANJITUAN。

幸运飞艇不贪稳赚 ZHEIXIEGUDONGDOUHUIBANGXIAOYINGGENGRONGYIDEQIERUQITACHANGJING。

4、平台的美誉度和品牌效力这些软实力,最终都会在「营销成本」上有所体现。

 

640 (1).webp (2).jpg

 

幸运飞艇不贪稳赚 LAIYUAN:XIAOYINGLICAIZHAOGUSHU、LINGYICAIJINGKEYIKANDAO,XIAOYINGJINNIANDEDANGETOUZIRENHUOKECHENGBEN303YUAN,DANGEJIEKUANRENCHENGBEN127YUAN,ZAIYENEIYESHIJUEDUIDIDESHUIPING。

幸运飞艇不贪稳赚 2018NIANXIAOYINGDANJIDUDESHICHANGFEIYONGWEI5QIANWANYUANZUOYOU,HENGXIANGDUIBILAIKAN,PAIPAIDAIJINNIANDANJISHICHANGFEIYONGJIEJIN2YI,YIRENDAIDANJIFEIYONGJIN8YI。

5、决定平台净利润的重要指标是放贷利率。

 

640 (1).webp (3).jpg

 

2017NIAN,FANGDAILILVCENGJINGGAODA49%,DANXIANZAIYIJINGQUANDOUZAI36%YIXIA。

2018NIAN,XIAOYINGKADAIHEXIAOYINGYOUDAIDEFANGDAILILVJIAO2017NIANJUNYOUSUOXIAJIANG。

幸运飞艇不贪稳赚 KADAIMUQIANDEFANGDAILILVZAI9.98%~36%ZHIJIAN,YOUDAIDEFANGDAILILVZAI11.47%~21.61%ZHIJIAN。

幸运飞艇不贪稳赚 ZUOGEDUIBI,HEXIAOYINGYOUDAIBIJIAOXIANGDEYIRENDAI,ZUIDIFANGDAILILV13.6%,ZUIGAO27%。

XIAOYINGFANGDAIDEFANGDAILILVZUIDIZHIBI2017NIANGAOLE,ZUIGAOZHIBI2017NIANDILE,MUQIANZAI10.56%~15.30%ZHIJIAN。

幸运飞艇不贪稳赚 CONGZHEIERKEYIKANCHU,KADAISHIGEHAOYEWU,FANGDAILILVGENGGAO,LIRUNKONGJIANYEGENGDA。

6、决定平台净利润的另一个指标就是逾期率和坏账率。

 

小赢平台净利润

 

幸运飞艇不贪稳赚 XIAOYING91~180TIANDEYUQILV,2017NIANSHI1.34%,2018NIANQIAN6GEYUESHI3.26%,TIGAOLEYIXIE。

YIRENDAI2017NIANTONGYISHIJIANDUANDEYUQILVSHI1.5%,2018NIANSHUJUHAIMEIPILU,ZANSHIKANBUDAO。

幸运飞艇不贪稳赚 HUAIZHANGLVSHANG,XIAOYINGKADAIZUIGAO10%,XIAOYINGYOUXUANZUIGAO5%;YIRENDAIDEZUIGAOHUAIZHANGLVCHABUDUOYESHI10%。

SUIRANXIAOYINGKADAIDEZUIGAOHUAIZHANGLVNENGDADAO10%,DANSHIYINWEIFANGDAILILVZUIGAO36%,SUOYIQISHIYEHAIHAO,LIRUNKONGJIANBINGBUXIAO。XIAOYINGYOUXUANYIGEDAOLI。

7、说小赢就离不开众安保险—这是它最大的特色。

JIEZHIJINNIAN6YUE,XIAOYING94%DEBIAODOUYOUZHONGANLVYUEXIANDANBAO。JIEKUANRENCHUXIANYUQISHI,ZHONGANBAOXIANHUIZAI2GEGONGZUORINEITONGGUOXITONGZIDONGPEIFUBENXI。

幸运飞艇不贪稳赚 ZAIZHEIDIANSHANG,XIAOYINGQUESHIKAICHUANGLEXINGYEXIANHE,CIHOULUXUYOUXIETOUBUPINGTAIKAISHIYINJINLVYUEXIANZHEIZHONGZENGXINSHOUDUAN。

8、最后看下小赢的营收:

 

小赢的营收

 

幸运飞艇不贪稳赚 2016NIANKUISUN1.2YIYUAN,2017NIANJINGLIRUN3.4YIYUAN。

幸运飞艇不贪稳赚 2017NIANSHANGBANNIANJINGLIRUN0.8YIYUAN,2018NIANSHANGBANNIANJINGLIRUN4.4YIYUAN。

XIAOYINGDESHANGSHIZAIZHEIZHONGXINGYEZHIANSHIKEDEJIEGUYANSHANGQUESHITIZHENLEYIXIEXINXIN。

幸运飞艇不贪稳赚 JIEZHIMUQIAN,XIAOYINGDESHIZHILVEWEICHAOGUOTONGZAIMEIGUSHANGSHIDEQUDIAN、PAIPAIDAI、YIRENDAI。

ZHEIYESHIJIYILONGZHIHOU,TANGYUEDIERCIJIANGYIJIAGONGSIDAIDAOMEIGUOSHANGSHI。

 

标签 P2P理财