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紧追小额信贷风口 趣店上半年盈利10亿计划在纽交所上市

2017-09-20 16:17:24   央广网

央广网9月20日消息 趣店近日向美国证券交易委员会(SEC)递交首次公开招股书显示,公司计划在纽交所上市,股票代码为“QD”;IPO拟融资7.5亿美元,由摩根史丹利、瑞士信贷、花旗、中金和瑞银担任承销商。

资料显示,趣店集团成立于2014年4月,2014年-2016年,公司实现营收分别为0.24亿元、2.35亿元、14.34亿元;净利润分别为-0.14亿元、-2.33亿元、5.77亿元;投入的研发费用分别为0.04亿元、0.38亿元和0.52亿元。截止2017年上半年末,实现营收18.33亿元,净利润为9.74亿元,与上年同期1.22亿相比增长698%。其中,研发费用达0.63亿元,较去年同期的0.13亿元增长385%。

有分析指出,在中国年轻的智能手机使用人群中,有信贷需求但是还未被传统金融机构服务的部分占相当大比例,该市场具有巨大挖掘潜力。小额信贷产品通常通常具有期限短的特点,主要满足消费者即时的借贷需求。趣店自成立来主抓技术研发,作为国内领先的小额现金信用贷款服务商,在小额贷款方面的技术应用正是看准了这部分市场的需求。

招股书显示,其风控模型具有强大的数据提取整合及大规模数据处理能力,可实现精准信用风险评估。数据显示,2017年1-6月,该大数据模型已实现能够在一小时内处理近1万笔用户提款,以及超过2万笔还款交易,历史单日放贷笔数峰值达36.5万笔。

截至2017年2季度,趣店注册用户近4800万,平均月活跃用户数达2890万人。2017年第二季度单季度交易用户为560万人,交易笔数近2100万笔,交易金额近220亿人民币。

招股书显示,趣店主要通过大数据分析等技术手段为贷款用户提供服务。其主要收入来源为为信贷服务费。此外,还负责运营第三方供货的网络商品分期平台,从商户获取的商品价差。目前,其供货商超过480个,商品覆盖手机、饰品、家电及其他运动产品等。

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