7月17日，陆控(06623HK,NYSE LU)发布复牌进度季度更新公告，并公布经营摘要载列：二季度所赋能 新增贷款总额为人民币489亿元，与24年同期相比，增加8.1%。 公司坚持以"质量为先"的审慎经营战 略，通过"小微+消金"双轮驱动，持续增强金融支持实体经济可持续性。消费金融贷款的尚未偿还余额 为545亿元， 同比增加29.8%。 ...

美东时间周四 (7 月 24 日) 美股收盘，陆控 (LU.US) 股价大涨 5.68%，收盘报 3.35 美元，当日成交额 2743.58 万美元。 陆控开盘即高开开走，最高涨至 3.41 美元，此一价格创下了四个月来的新高 —— 此前为 3 月 17 日的 3.379 美元；这也是陆控连续四个交易日上涨，四个交易日累计涨幅 19.6%, 近 20%。 值得注意的是，该公司过去两个交易日成交活跃，两个交易日交易额均突破 2000 万美元。今日 2741.33 万美元的交易额，亦是过去三个月新高。 市场层面，受特朗普称希望鲍威尔降息影响，美国三大股指收盘涨跌不一，道指跌 0.7%，标普 500 指 数涨 0.07%，纳指涨 0.18%。其中，标普 500 指数、纳指续创历史新高。 热门中概股收盘普跌，纳斯达克中国金龙指数跌 1.54%。此中，亿咖通科技涨近 18%，亿鹏能源涨约 10%，水滴公司涨约 9%，名创优品涨约 8%，大全新能源涨约 8%。 股价上涨，可能源于新增贷款总额同比增长、资产质量表现稳定等因素影响。 根据此前公告显示，陆控 2025Q2 多项关键数据持续向好。在新增贷款方面，2025 年第二 ...

总体来看，2024年上半年，在9家金融科技公司中，实现营收最多的是陆金所控股，达到129.4亿元，不过其 营收同比下降33.12%，净利润同比下降189.86%。营收位列其后的是奇富科技，实现营收83.13亿元。不仅如此， 奇富科技2024年上半年实现净利润也最多，达25.37亿元，同时其营收同比增长10.65%，净利润同比增长25.41%， 是为数不多实现同比双增长的金融科技公司之一。 增收不增利 资产质量承压 受复杂的宏观环境影响，大部分金融科技公司面临逾期率上升的问题。 据记者不完全统计，截至6月30日，小赢科技90天以上逾期率为4.38%，较上一年增加1.88个百分点；维信科 技90天以上逾期率为3.82%，较去年同期增加了1.56个百分点；宜人智科逾期60至89天的贷款拖欠率为1.6%，较去 年同期增长0.2个百分点。 相比之下，陆金所逾期率虽然较高但是较去年同期增长相对较少，为0.1个百分点。陆金所控股董事长兼首席 执行官赵容奭表示，"在第二季度，对质量更多的关注使我们的资产质量显著改善。" 此外，报告期内，陆金所控股未偿贷款余额2352亿元，同比下降44.80%；小赢科技未偿贷款余额418.04 ...

Group 1 - The core viewpoint of the news is that the stock price of Lu Control (LU.US) increased by over 5%, closing at $2.91, driven by factors such as growth in new loan amounts and an upgrade in ESG ratings [1][2]. - The stock price surge is attributed to a year-on-year increase in new loans and a significant improvement in ESG ratings, which positively influenced investor sentiment [2][3]. Group 2 - In Q2 2025, Lu Control's new loan amount reached RMB 48.9 billion, an 8.1% increase compared to RMB 45.2 billion in Q2 2024 [3]. - Consumer finance loans showed remarkable growth, with Q2 2025 new loans amounting to RMB 28.9 billion, a 30.6% increase from RMB 22.1 billion in Q2 2024 [3]. - The cumulative number of borrowers increased significantly, reaching approximately 27.8 million by June 30, 2025, up 19.9% from about 23.2 million a year earlier [3]. - Lu Control's ESG rating was upgraded from A to AA by MSCI, reflecting improvements in consumer rights protection and performance in privacy, data security, and human capital development [3].

Core Insights - The core message of the announcements is that Lufax Holdings is making significant progress in addressing historical issues and strengthening corporate governance while demonstrating resilience in its core business operations [1][2]. Group 1: Governance Foundation - Lufax Holdings has undertaken a comprehensive review and strengthening of its corporate governance, including the appointment of respected industry figure Ye Dichi as chairman and the engagement of Ernst & Young as its auditor and Deloitte as an internal control consultant [2]. - The company reported a steady increase in new loans, reaching RMB 48.9 billion, a year-on-year growth of 8.1%, with consumer finance loans specifically growing by 30.6% to RMB 28.9 billion compared to RMB 22.1 billion in the same period of 2024 [2][3]. Group 2: Business Performance and Risk Management - The structural transformation of Lufax Holdings has led to a more balanced risk-reward profile and stronger profitability resilience, supported by a stable loan portfolio with a C-M3 migration rate of 0.9% and a non-performing loan (NPL) rate of 1.2% [3]. - The company maintained a 90-day overdue rate of 2.7%, indicating effective risk management and overall asset quality control [3]. Group 3: ESG Rating Upgrade - MSCI upgraded Lufax Holdings' ESG rating from "A" to "AA," reflecting substantial progress in governance structure optimization, internal control enhancement, and consumer rights protection [4][5]. - The upgrade is attributed to the company's commitment to social responsibility and its efforts to enhance financial service accessibility for small and micro enterprises, demonstrating the dual engine of governance improvement and inclusive finance practice [4][5]. Group 4: Conclusion - The strategic initiatives, including the introduction of Ernst & Young and Deloitte, alongside robust core business performance and the "AA" ESG rating, signify a transformative process for Lufax Holdings [6]. - The optimization of governance structures provides a solid foundation for compliance and risk management, while the deepening of inclusive financial services expands the company's commercial and social value [6].