助贷行业

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信也科技(FINV):2Q25盈利好于市场预期,国际业务占比持续提升
BOCOM International· 2025-08-21 14:02
Investment Rating - The investment rating for the company is "Buy" with a target price of $13.00, indicating a potential upside of 50.3% from the current price of $8.65 [1][12]. Core Insights - The company's net profit for Q2 2025 was 751 million RMB, exceeding Bloomberg's expectations by 4%, with a year-on-year growth of 36.3% and a quarter-on-quarter increase of 1.9% [2]. - Revenue for Q2 2025 grew by 12.9% year-on-year and 2.8% quarter-on-quarter, with a stable take rate of 3.4% in mainland China [2]. - The company maintains its guidance for a revenue growth of 10-15% year-on-year for 2025 [2]. - The international business segment continues to grow, with a year-on-year increase of 41.5% in revenue, contributing to 22.3% of total revenue [6]. Financial Performance - For the fiscal year ending December 31, 2025, the company is projected to achieve a revenue of 13,825 million RMB, reflecting a year-on-year growth of 5.8% [5][13]. - The net profit for the same period is expected to be 2,678 million RMB, with a year-on-year growth of 12.4% [5][13]. - The company's earnings per share (EPS) for 2025 is estimated at 11.00 RMB, representing a growth of 14.7% [5][13]. Business Growth - The facilitated loans in Q2 2025 increased by 10.9% year-on-year, with international market loans growing by 39.1% [6]. - The company issued convertible bonds in June to support international business expansion, with an expected profit contribution of no less than $15 million from international operations in 2025 [6]. - The asset quality remains stable, with a 90-day delinquency rate of 1.92%, showing a slight improvement from the previous quarter [6]. Market Position - The company's market capitalization is approximately $1.21 billion, with a year-to-date stock price change of 27.39% [4]. - The stock has a 52-week high of $10.72 and a low of $5.18, indicating significant volatility [4].
规范助贷业务收费 功夫在通知之外
Jin Rong Shi Bao· 2025-08-08 07:52
近日,金融监管总局发布《关于加强商业银行互联网助贷业务管理 提升金融服务质效的通知》 (以下简称《通知》),旨在整治互联网助贷业务中存在的诸多问题,其中,助贷业务收费乱象备受关 注。《通知》犹如一场及时雨,有望为饱受收费乱象困扰的市场带来规范与秩序。 对于借款人而言,提升自身的金融知识水平和风险防范意识至关重要。监管部门、助贷机构以及媒 体应加强合作,通过线上线下相结合的方式,开展多样化的金融知识普及活动。例如,在社区、学校、 企业举办金融知识讲座,利用短视频平台制作通俗易懂的金融知识科普视频等。借款人在申请贷款时, 要认真阅读合同条款,对不清楚的收费项目及时向助贷机构、商业银行或相关监管部门咨询,避免盲目 签字。 助贷业务作为金融服务的补充,是连接资金供需双方的桥梁。只有通过严格的监管、行业的自律以 及公众意识的提升,才能彻底整治收费乱象,让助贷业务回归正轨,真正实现服务实体经济、服务大众 的目标。 在助贷业务领域,乱收费并非个别现象。部分助贷机构以"低息快贷"为诱饵,吸引急需资金的个人 和小微企业。然而在贷款过程中,却暗藏各种服务费陷阱。除了名目繁多的咨询费、手续费,甚至还有 一些莫名其妙的"通道费""加 ...
北京金融监管部门拟禁助贷“会员权益”“增值权益”模式
Bei Ke Cai Jing· 2025-07-25 10:46
Group 1 - The Beijing financial regulatory authority has issued a draft notice prohibiting internet lending services to university students [1] - The draft notice emphasizes that financial institutions must clearly define the comprehensive financing cost range with platform operators and guarantee that the cost of a single loan complies with the Supreme People's Court regulations [1] - The new regulations aim to prevent disguised increases in financing costs through methods such as "membership rights" and "value-added rights" [1] Group 2 - The draft also proposes to regulate cooperation with offline lending institutions, requiring banks to strengthen management of partnerships with lending agencies [2] - It prohibits banks from paying fees outside of agreed terms to lending agencies and forbids these agencies from charging consumers under the guise of providing financial services [2] - The draft bans cooperation with offline information intermediary lending agencies that do not have actual business operations [2]