转自：北京日报客户端 看似"拿"自己的东西，实则已触犯刑法。陈某利用"先享后付"的购物模式，精心设计并实施盗窃，触犯 刑法。近日，湖北省蕲春县检察院以涉嫌盗窃罪依法对陈某作出批捕决定，案件正在进一步办理中。 2025年11月初，陈某在网络租赁平台利用"先享后付"的以租代买方式订下一台手机。按照平台规则，他 只需先行支付100元押金，待手机到达快递点验货并支付租金即可完成交易。数日后，手机如期抵达快 递服务点。陈某前往验货，确认手机崭新无误后，却以"一时资金不便"为由，未当场支付租金，也未办 理签收，而是将手机暂时留在了快递点。当日深夜，他趁四下无人，翻窗潜入快递点，盗走自己白天验 看过的手机。得手后，陈某迅速将手机以3500元的价格转卖给一家二手手机店。其后，快递点发现上述 快递消失后向公安机关报案。 案件很快告破，公安机关以陈某涉嫌盗窃罪将该案移送蕲春县检察院审查批捕。 "我拿的是我自己名下的快递，怎么能算偷？"陈某辩解道。承办检察官方玉向其释法说理，"以租代 买"模式下，陈某支付100元押金仅为订立租赁合同的担保，在未付清全部约定租金前，手机的所有权仍 属于租赁平台或销售方，陈某仅享有依约支付租金后取得手 ...

Core Insights - Lexin's Q1 2021 financial performance shows significant growth in revenue, profit, and user base, indicating strong operational momentum [1] Financial Performance - Lexin reported Q1 2021 revenue of 2.9 billion yuan, with a gross profit of 1.37 billion yuan and an adjusted net profit of 771 million yuan, reflecting a quarter-on-quarter growth of 27.9% [1] - The company's EBITDA reached 911 million yuan, marking a quarter-on-quarter increase of 29.4% [1] Service Revenue - The pure technology platform service revenue for Q1 2021 was 636 million yuan, representing a year-on-year growth of 122% [1] - The newly launched "Buy Duck" product generated a transaction volume of 60 million yuan, with a cumulative service user count of 510,000 and merchant count of 1,575, totaling a transaction volume of 237 million yuan by the end of May [1] User Metrics - Lexin added 14 million new users in Q1 2021, bringing the total user base to 132 million, a year-on-year increase of 56.5% [1] - The number of credit users reached 30.3 million, up 46.5% year-on-year, with 1.8 million new active users added in the quarter, reflecting an 88% year-on-year growth [1] Loan Performance - The total loan amount facilitated by Lexin in Q1 2021 was 53.8 billion yuan, a year-on-year increase of 57.8% [1] - As of the end of Q1, the platform managed a loan balance of 82.4 billion yuan, up 40.8% year-on-year [1] - The overdue rate for loans over 90 days stood at 1.84%, with the first payment default rate remaining below 1% for eight consecutive months [1]

Group 1 - The core idea of the news is that JD Home Services has launched a "pay after service" model, allowing users to purchase cleaning services for 0 yuan and only pay after the service is completed, addressing the pain points of traditional prepaid service models [1] - The traditional home service industry primarily relies on prepaid service cards, requiring consumers to pay thousands to tens of thousands of yuan upfront, which creates a barrier for new users and raises concerns about service provider reliability [1] - The new model allows users to utilize their funds for other household expenses first, providing more flexible financial management and reducing the pressure on potential consumers to make decisions [1] Group 2 - JD Home Services has initiated a "100 Counties, 100,000 Recruitment Plan" to recruit 100,000 cleaners across 100 cities, aiming to expand its service coverage and enhance the earnings and experience of service providers with an investment of 1 billion yuan [2]

"作为一家快速增长且盈利的初创企业，我们非常感激这笔银团贷款，真正肯定了银行界对我们的信 任和信心，"Atome Financial首席商务官Andy Tan表示。"我们期待汇丰银行和其他合作伙伴继续 支持我们的资金需求，并在新加坡、马来西亚、印尼和菲律宾等市场推出新的创新产品。" "我们很高兴能够牵头并和合作伙伴一起管理这笔银团贷款，从而支持Atome Financial的使命，为 东南亚地区提供负担得起、风险可控的信贷和负责任的融资，"汇丰银行新加坡分行商业银行业务负 责人Priya Kini表示。 Atome Financial在2023财年的营业收入几乎翻倍至1.7亿美元，比上一年的8800万美元有了显著 增长。 2023年处理的商品总值（GMV）接近15亿美元，比前一年增长了40%。得益于收入增长了 130%，Atome的先享后付业务也实现了盈利。 2024年第一季度，Atome Financial首次实现息税折旧及摊销前利润（EBITDA）为正。 本文为IPO早知道原创 作者｜Stone Jin 微信公众号｜ipozaozhidao 据IPO早知道消息，东南亚数字金融服务平台Atome Finan ...