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小贷公司生存困境揭秘:平均每家公司仅20人

2017-09-23 06:57:06   中国经济网

东方贷款上半年营收下降18.32%,净利润下降51.34%。公司董事会同意公司使用自有闲置资金投资银行保本型理财产品,投资期限不超过一年,投资金额可以在5000万元以内滚动使用,今年公司以自有闲置资金3000万元购买银行理财产品,至期末剩余理财本金1300万元。该投资银行理财产品1300万元,期限近2年(2017年1月24日至2018年10月16日)。

资产减值准备的变化导致小贷企业收益起伏较大,这也反映出公司的经营管理、风控能力令人担忧。例如,滨江小贷上半年亏损30.71万元,而去年同期盈利225.51万元,其主因就是资产减值损失比去年同期大幅度增加,增加了128.33万元,增幅 49.41%,导致企业由盈变亏。

从新三板小贷公司与小贷行业对比看,更能说明目前整个小贷行业的困境。一是从业人数看,专业人才匮乏,员工流动过于频繁。新三板小贷公司平均员工人数为20.13人,比全国小贷业从业人数多61%。二是从平均实收资本看,新三板小贷公司平均实收资本22176万元,比全国小贷业多132%。三是从平均贷款余额看,新三板小贷公司平均贷款余额30175万元,比全国小贷业多171%。四是虽然绝大多数小贷公司除股东出资外,很难获得银行授信等其他渠道的资金,但是新三板小贷还是比全国小贷行业好很多。

另外,包括国汇小贷、鸿丰小贷、阳光小贷等新三板小贷公司已取得了网络小贷的牌照。对于有技术、有大数据优势、风控能力强的小贷公司,开展网络小贷业务无疑是一个好的机会,但对于大多数小贷公司来说获得牌照的意义不大。小贷公司如果连本地的业务都做不好,跨地域的网络小贷业务更难做。

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