作者：李丹，华尔街见闻 按发行价计算，Figure上市后估值为53亿美元，以开盘价计算则达到76亿美元，到收盘，公司市值约 65.7亿美元。这一估值远超该司2021年风险投资轮次的32亿美元估值。 Figure的上市标志着加密货币领域企业拥抱公开市场的趋势延续。本周被视为美国今年IPO交易最繁忙 的一周。继Figure之后，亿万富翁Cameron和Tyler Winklevoss兄弟领导的知名加密货币交易所Gemini Space Station Inc.将于周五在纳斯达克上市。 Figure股价的强劲表现反映出投资者对基本面扎实的区块链公司持续兴趣，该公司已实现盈利，并在房 屋净值贷款等实际业务中应用区块链技术。 盈利能力稳步提升的区块链借贷平台 Figure成立于2018年，由前SoFi Technologies首席执行官Mike Cagney联合创立。公司开发区块链技术以 促进包括房屋净值信贷额度在内的贷款业务，目前已在区块链上资助超过160亿美元贷款。 递交监管方的文件显示，Figure的财务业绩稳健，今年上半年扭亏为盈，营收同比增长22%。 截至6月30日的六个月内，Figure实现净利润2910万 ...

Core Insights - The Federal Reserve's April Senior Loan Officer Opinion Survey (SLOOS) indicates a general tightening of loan standards across various sectors, with weakened demand for commercial loans among businesses [1] - Residential real estate loan demand has decreased, while home equity lines of credit (HELOCs) have seen an increase in demand despite unchanged lending standards [1] - Credit card loan standards have tightened, and there is a noted decrease in demand for credit card and other consumer loans, while auto loan demand remains stable [1] Group 1: Business Loans - Overall, loan standards have tightened, leading to reduced demand for commercial loans across different business sizes [1] - Demand for commercial real estate loans has either weakened or remained stable, with banks reporting tightened or unchanged lending standards [1] Group 2: Household Loans - For household loans, banks report that lending standards have remained largely unchanged, but there is a general decrease in demand for most categories of residential real estate loans [1] - HELOCs have seen an increase in demand, despite lending standards remaining stable [1] Group 3: Consumer Loans - Credit card loan standards have been tightened, resulting in decreased demand for credit card and other consumer loans [1] - Demand for auto loans has remained stable, with lending standards for auto and other consumer loans largely unchanged [1]