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陆金所控股正式递交上市申请 或将成美股迄今最大的金融科技IPO

简介:

陆金所控股正式递交上市申请 或将成美股迄今最大的金融科技IPO

上海证券报获悉,北京时间月日,中国平安联营公司、金融科技独角兽陆金所控股正式向美国证监会SEC首次公开递交F-文件。根据此前......陆金所控股正式递交上市申请 或将成美股迄今最大的金融科技IPO

正文:

上[shang]海[hai]证[zheng]券[quan]报[bao]获[huo]悉[xi],北[bei]京[jing]时[shi]间[jian]月[yue]日[ri],中[zhong]国[guo]平[ping]安[an]联[lian]营[ying]公[gong]司[si]、金[jin]融[rong]科[ke]技[ji]独[du]角[jiao]兽[shou]陆[lu]金[jin]所[suo]控[kong]股[gu]正[zheng]式[shi]向[xiang]美[mei]国[guo]证[zheng]监[jian]会[hui]SEC首[shou]次[ci]公[gong]开[kai]递[di]交[jiao]F-文[wen]件[jian]。根[gen]据[ju]此[ci]前[qian]市[shi]场[chang]传[chuan]闻[wen]的[de]亿[yi]至[zhi]亿[yi]美[mei]元[yuan]融[rong]资[zi]规[gui]模[mo],陆[lu]金[jin]所[suo]控[kong]股[gu]或[huo]将[jiang]成[cheng]美[mei]股[gu]迄[qi]今[jin]最[zui]大[da]的[de]金[jin]融[rong]科[ke]技[ji]IPO。 招[zhao]股[gu]书[shu]显[xian]示[shi],陆[lu]金[jin]所[suo]控[kong]股[gu]在[zai]年[nian]的[de]收[shou]入[ru]为[wei]亿[yi]元[yuan],净[jing]利[li]润[run]达[da]到[dao]亿[yi]元[yuan];年[nian]上[shang]半[ban]年[nian]的[de]收[shou]入[ru]为[wei]亿[yi]元[yuan],净[jing]利[li]润[run]亿[yi]元[yuan]。至[zhi]年[nian],陆[lu]金[jin]所[suo]控[kong]股[gu]净[jing]利[li]润[run]复[fu]合[he]增[zeng]长[chang]率[lv]达[da]到[dao]近[jin]%。 招[zhao]股[gu]说[shuo]明[ming]书[shu]没[mei]有[you]披[pi]露[lu]陆[lu]金[jin]所[suo]控[kong]股[gu]的[de]实[shi]际[ji]拟[ni]募[mu]资[zi]金[jin]额[e]。据[ju]悉[xi],陆[lu]金[jin]所[suo]控[kong]股[gu]此[ci]次[ci]IPO暂[zan]未[wei]定[ding]价[jia],融[rong]资[zi]额[e]度[du]也[ye]暂[zan]未[wei]确[que]认[ren],招[zhao]股[gu]书[shu]披[pi]露[lu]的[de]亿[yi]美[mei]元[yuan]仅[jin]是[shi]例[li]行[xing]披[pi]露[lu]的[de]占[zhan]位[wei]符[fu],不[bu]代[dai]表[biao]本[ben]次[ci]IPO的[de]实[shi]际[ji]融[rong]资[zi]额[e]。 净[jing]利[li]润[run]三[san]年[nian]复[fu]合[he]增[zeng]长[chang]率[lv]近[jin]% 从[cong]营[ying]收[shou]业[ye]绩[ji]和[he]盈[ying]利[li]能[nen]力[li]两[liang]个[ge]指[zhi]标[biao]来[lai]看[kan],陆[lu]金[jin]所[suo]控[kong]股[gu]的[de]营[ying]收[shou]数[shu]据[ju]亮[liang]眼[yan]。 招[zhao]股[gu]书[shu]显[xian]示[shi],年[nian]、年[nian]、年[nian]和[he]年[nian]上[shang]半[ban]年[nian],陆[lu]金[jin]所[suo]控[kong]股[gu]分[fen]别[bie]实[shi]现[xian]营[ying]业[ye]收[shou]入[ru]亿[yi]元[yuan]、亿[yi]元[yuan]、亿[yi]元[yuan]和[he]亿[yi]元[yuan],净[jing]利[li]润[run]分[fen]别[bie]为[wei]亿[yi]元[yuan]、亿[yi]元[yuan]、亿[yi]元[yuan]和[he]亿[yi]元[yuan]。陆[lu]金[jin]所[suo]控[kong]股[gu]净[jing]利[li]润[run]率[lv]也[ye]逐[zhu]年[nian]上[shang]升[sheng],从[cong]年[nian]的[de].%提[ti]高[gao]到[dao]年[nian]上[shang]半[ban]年[nian]的[de].%,年[nian]到[dao]年[nian]间[jian]的[de]净[jing]利[li]润[run]年[nian]复[fu]合[he]增[zeng]长[chang]率[lv]达[da]到[dao]近[jin]%。 从[cong]利[li]润[run]贡[gong]献[xian]看[kan],基[ji]于[yu]科[ke]技[ji]的[de]平[ping]台[tai]收[shou]入[ru]成[cheng]为[wei]陆[lu]金[jin]所[suo]控[kong]股[gu]的[de]主[zhu]要[yao]收[shou]入[ru],该[gai]收[shou]入[ru]占[zhan]总[zong]收[shou]入[ru]的[de]比[bi]例[li]从[cong]年[nian].%增[zeng]长[chang]到[dao]年[nian]上[shang]半[ban]年[nian]的[de].%,主[zhu]要[yao]包[bao]括[kuo]零[ling]售[shou]信[xin]贷[dai]交[jiao]易[yi]促[chun]成[cheng]服[fu]务[wu]费[fei]和[he]理[li]财[cai]交[jiao]易[yi]服[fu]务[wu]费[fei]。 根[gen]据[ju]国[guo]际[ji]第[di]三[san]方[fang]咨[zi]询[xun]机[ji]构[gou]Oliver Wyman报[bao]告[gao],陆[lu]金[jin]所[suo]控[kong]股[gu]两[liang]项[xiang]业[ye]务[wu]在[zai]非[fei]传[chuan]统[tong]金[jin]融[rong]机[ji]构[gou]零[ling]售[shou]信[xin]贷[dai]市[shi]场[chang]和[he]非[fei]传[chuan]统[tong]金[jin]融[rong]机[ji]构[gou]财[cai]富[fu]管[guan]理[li]市[shi]场[chang](货[huo]币[bi]基[ji]金[jin]除[chu]外[wai])的[de]业[ye]务[wu]规[gui]模[mo]分[fen]别[bie]位[wei]列[lie]第[di]二[er]、第[di]三[san]。 近[jin]三[san]年[nian]时[shi]间[jian],陆[lu]金[jin]所[suo]控[kong]股[gu]两[liang]大[da]主[zhu]营[ying]业[ye]务[wu]的[de]增[zeng]长[chang]势[shi]头[tou]迅[xun]猛[meng]。招[zhao]股[gu]书[shu]数[shu]据[ju]显[xian]示[shi],年[nian]、年[nian]及[ji]年[nian],陆[lu]金[jin]所[suo]控[kong]股[gu]基[ji]于[yu]旗[qi]下[xia]平[ping]安[an]普[pu]惠[hui],实[shi]现[xian]新[xin]增[zeng]贷[dai]款[kuan]总[zong]量[liang]分[fen]别[bie]为[wei]亿[yi]元[yuan]、亿[yi]元[yuan]和[he]亿[yi]元[yuan],复[fu]合[he]增[zeng]长[chang]率[lv]达[da]到[dao].%。即[ji]使[shi]在[zai]疫[yi]情[qing]影[ying]响[xiang]较[jiao]为[wei]严[yan]重[zhong]的[de]年[nian]上[shang]半[ban]年[nian],其[qi]新[xin]增[zeng]贷[dai]款[kuan]也[ye]同[tong]比[bi]增[zeng]长[chang].%,达[da]到[dao]亿[yi]元[yuan]。 根[gen]据[ju]招[zhao]股[gu]说[shuo]明[ming]书[shu],陆[lu]金[jin]所[suo]控[kong]股[gu]融[rong]资[zi]主[zhu]要[yao]用[yong]于[yu]:产[chan]品[pin]开[kai]发[fa]、销[xiao]售[shou]与[yu]营[ying]销[xiao]活[huo]动[dong];技[ji]术[shu]基[ji]础[chu]设[she]施[shi]建[jian]设[she]、技[ji]术[shu]研[yan]发[fa];资[zi]本[ben]支[zhi]出[chu];技[ji]术[shu]投[tou]资[zi]或[huo]收[shou]购[gou];全[quan]球[qiu]扩[kuo]张[zhang]等[deng]方[fang]面[mian]。 轻[qing]资[zi]本[ben]运[yun]营[ying]模[mo]式[shi] 陆[lu]金[jin]所[suo]控[kong]股[gu]的[de]中[zhong]心[xin]辐[fu]射[she]式[shi](“Hub & Spoke”)、轻[qing]资[zi]本[ben]的[de]运[yun]营[ying]模[mo]式[shi]在[zai]招[zhao]股[gu]说[shuo]明[ming]书[shu]中[zhong]被[bei]详[xiang]细[xi]披[pi]露[lu]。 所[suo]谓[wei]“Hub & Spoke”模[mo]式[shi],即[ji]基[ji]于[yu]零[ling]售[shou]信[xin]贷[dai]与[yu]财[cai]富[fu]管[guan]理[li]两[liang]大[da]平[ping]台[tai]为[wei]Hub(枢[shu]纽[niu]),Spoke(辐[fu]射[she])金[jin]融[rong]机[ji]构[gou],向[xiang]用[yong]户[hu]提[ti]供[gong]符[fu]合[he]其[qi]风[feng]险[xian]偏[pian]好[hao]和[he]个[ge]性[xing]需[xu]求[qiu]的[de]贷[dai]款[kuan]和[he]理[li]财[cai]产[chan]品[pin],并[bing]通[tong]过[guo]丰[feng]富[fu]的[de]用[yong]户[hu]数[shu]据[ju]不[bu]断[duan]优[you]化[hua]和[he]提[ti]供[gong]个[ge]性[xing]化[hua]的[de]金[jin]融[rong]服[fu]务[wu]。 “Hub & Spoke”模[mo]式[shi]给[gei]陆[lu]金[jin]所[suo]控[kong]股[gu]带[dai]来[lai]具[ju]有[you]高[gao]度[du]延[yan]展[zhan]度[du]的[de]业[ye]务[wu]以[yi]及[ji]多[duo]样[yang]化[hua]产[chan]品[pin]种[zhong]类[lei]。招[zhao]股[gu]书[shu]披[pi]露[lu],陆[lu]金[jin]所[suo]控[kong]股[gu]已[yi]经[jing]与[yu]超[chao]过[guo]家[jia]提[ti]供[gong]担[dan]保[bao]、增[zeng]信[xin]的[de]金[jin]融[rong]机[ji]构[gou]在[zai]零[ling]售[shou]信[xin]贷[dai]方[fang]面[mian]合[he]作[zuo],与[yu]多[duo]家[jia]产[chan]品[pin]方[fang]合[he]作[zuo]提[ti]供[gong]财[cai]富[fu]管[guan]理[li]服[fu]务[wu]。 “轻[qing]资[zi]本[ben]”是[shi]此[ci]次[ci]招[zhao]股[gu]说[shuo]明[ming]书[shu]披[pi]露[lu]的[de]另[ling]一[yi]重[zhong]要[yao]信[xin]息[xi]。在[zai]陆[lu]金[jin]所[suo]控[kong]股[gu]的[de]零[ling]售[shou]信[xin]贷[dai]业[ye]务[wu]中[zhong],贷[dai]款[kuan]资[zi]金[jin]中[zhong]由[you]第[di]三[san]方[fang]提[ti]供[gong]资[zi]金[jin]的[de]贷[dai]款[kuan]占[zhan]比[bi]从[cong]年[nian]的[de].%已[yi]经[jing]上[shang]升[sheng]到[dao]年[nian]中[zhong]的[de].%,由[you]公[gong]司[si]承[cheng]担[dan]的[de]信[xin]用[yong]风[feng]险[xian]从[cong]年[nian]月[yue]日[ri]的[de].%降[jiang]为[wei]年[nian]月[yue]日[ri]的[de].%。在[zai]财[cai]富[fu]管[guan]理[li]端[duan],陆[lu]金[jin]所[suo]平[ping]台[tai]只[zhi]产[chan]品[pin]%来[lai]自[zi]家[jia]第[di]三[san]方[fang]金[jin]融[rong]机[ji]构[gou],平[ping]台[tai]无[wu]需[xu]担[dan]负[fu]产[chan]品[pin]兑[dui]付[fu]信[xin]用[yong]风[feng]险[xian]。 聚[ju]焦[jiao]中[zhong]产[chan]人[ren]群[qun] 借[jie]贷[dai]用[yong]户[hu]%为[wei]小[xiao]微[wei]企[qi]业[ye] 陆[lu]金[jin]所[suo]控[kong]股[gu]的[de]主[zhu]营[ying]业[ye]务[wu]包[bao]括[kuo]零[ling]售[shou]信[xin]贷[dai]和[he]财[cai]富[fu]管[guan]理[li]两[liang]大[da]板[ban]块[kuai]。截[jie]至[zhi]年[nian]月[yue]日[ri],陆[lu]金[jin]所[suo]控[kong]股[gu]管[guan]理[li]贷[dai]款[kuan]余[yu]额[e]亿[yi]元[yuan],管[guan]理[li]用[yong]户[hu]资[zi]产[chan]规[gui]模[mo]达[da]亿[yi]元[yuan]。至[zhi]今[jin]年[nian]三[san]季[ji]度[du],这[zhe]两[liang]项[xiang]数[shu]据[ju]分[fen]别[bie]增[zeng]长[chang]至[zhi]亿[yi]元[yuan]和[he]亿[yi]元[yuan]。 值[zhi]得[de]注[zhu]意[yi]的[de]是[shi],招[zhao]股[gu]说[shuo]明[ming]书[shu]透[tou]露[lu],网[wang]贷[dai]业[ye]务[wu]对[dui]陆[lu]金[jin]所[suo]控[kong]股[gu]财[cai]富[fu]管[guan]理[li]业[ye]务[wu]影[ying]响[xiang]已[yi]经[jing]大[da]大[da]降[jiang]低[di]。数[shu]据[ju]显[xian]示[shi],陆[lu]金[jin]所[suo]控[kong]股[gu]的[de]网[wang]贷[dai]存[cun]量[liang]资[zi]产[chan]已[yi]由[you]年[nian]的[de]亿[yi]元[yuan]降[jiang]至[zhi]年[nian]上[shang]半[ban]年[nian]的[de]亿[yi]元[yuan],业[ye]务[wu]总[zong]占[zhan]比[bi]从[cong]年[nian]的[de].%降[jiang]低[di]到[dao]当[dang]前[qian]的[de].%。 同[tong]期[qi],其[qi]余[yu]财[cai]富[fu]管[guan]理[li]业[ye]务[wu]保[bao]持[chi]快[kuai]速[su]增[zeng]长[chang]。投[tou]资[zi]于[yu]现[xian]有[you]产[chan]品[pin]的[de]客[ke]户[hu]资[zi]产[chan]规[gui]模[mo]从[cong]年[nian]的[de]亿[yi]元[yuan]增[zeng]长[chang]到[dao]年[nian]的[de]亿[yi],占[zhan]比[bi]从[cong]年[nian].%提[ti]升[sheng]至[zhi]当[dang]前[qian].%,复[fu]合[he]增[zeng]长[chang]率[lv]达[da].%。 “去[qu]网[wang]贷[dai]”过[guo]程[cheng]中[zhong],财[cai]富[fu]管[guan]理[li]平[ping]台[tai]客[ke]户[hu]留[liu]存[cun]率[lv]与[yu]活[huo]跃[yue]投[tou]资[zi]者[zhe]增[zeng]长[chang]均[jun]保[bao]持[chi]持[chi]续[xu]增[zeng]长[chang]。年[nian]至[zhi]年[nian],陆[lu]金[jin]所[suo]投[tou]资[zi]者[zhe]留[liu]存[cun]率[lv]每[mei]年[nian]都[du]在[zai]%以[yi]上[shang],活[huo]跃[yue]投[tou]资[zi]者[zhe]复[fu]合[he]增[zeng]长[chang]率[lv]达[da]到[dao].%。 招[zhao]股[gu]说[shuo]明[ming]书[shu]还[huai]披[pi]露[lu]了[liao]陆[lu]金[jin]所[suo]控[kong]股[gu]的[de]客[ke]户[hu]结[jie]构[gou],其[qi]借[jie]贷[dai]用[yong]户[hu]%为[wei]小[xiao]微[wei]企[qi]业[ye],%理[li]财[cai]资[zi]产[chan]由[you]投[tou]资[zi]超[chao]万[wan]元[yuan]中[zhong]产[chan]及[ji]以[yi]上[shang]客[ke]户[hu]贡[gong]献[xian],借[jie]款[kuan]人[ren]与[yu]理[li]财[cai]用[yong]户[hu]均[jun]较[jiao]市[shi]场[chang]更[geng]加[jia]优[you]质[zhi]。 陆[lu]金[jin]所[suo]控[kong]股[gu]的[de]借[jie]款[kuan]人[ren]平[ping]均[jun]无[wu]抵[di]押[ya]借[jie]款[kuan]规[gui]模[mo]为[wei].万[wan]元[yuan],有[you]抵[di]押[ya]平[ping]均[jun]借[jie]款[kuan]规[gui]模[mo]为[wei].万[wan]元[yuan],远[yuan]高[gao]于[yu]同[tong]期[qi]前[qian]五[wu]大[da]非[fei]传[chuan]统[tong]平[ping]均[jun]元[yuan]借[jie]款[kuan]规[gui]模[mo]。在[zai]万[wan]借[jie]款[kuan]人[ren]中[zhong],员[yuan]工[gong]少[shao]于[yu]人[ren]且[qie]年[nian]收[shou]入[ru]低[di]于[yu]万[wan]的[de]小[xiao]微[wei]企[qi]业[ye]占[zhan]到[dao]了[liao]%;借[jie]款[kuan]人[ren]%持[chi]有[you]信[xin]用[yong]卡[ka]、%拥[yong]有[you]房[fang]产[chan]、%没[mei]有[you]未[wei]偿[chang]还[huai]的[de]无[wu]担[dan]保[bao]贷[dai]款[kuan]。 陆[lu]金[jin]所[suo]控[kong]股[gu]的[de]财[cai]富[fu]管[guan]理[li]业[ye]务[wu]注[zhu]册[ce]用[yong]户[hu]万[wan],活[huo]跃[yue]投[tou]资[zi]用[yong]户[hu]万[wan],其[qi]管[guan]理[li]客[ke]户[hu]资[zi]产[chan]中[zhong]近[jin]%的[de]平[ping]台[tai]资[zi]产[chan]由[you]投[tou]资[zi]规[gui]模[mo]超[chao]过[guo]万[wan]元[yuan]的[de]客[ke]户[hu]所[suo]贡[gong]献[xian]。人[ren]均[jun]持[chi]有[you]资[zi]产[chan].万[wan]元[yuan],是[shi]同[tong]期[qi]前[qian]五[wu]非[fei]传[chuan]统[tong]金[jin]融[rong]机[ji]构[gou]平[ping]均[jun]用[yong]户[hu]资[zi]产[chan](元[yuan])的[de]倍[bei]。 此[ci]次[ci]陆[lu]金[jin]所[suo]控[kong]股[gu]IPO,高[gao]盛[sheng]、美[mei]银[yin]、瑞[rui]银[yin]、汇[hui]丰[feng]和[he]平[ping]安[an]证[zheng]券[quan](香[xiang]港[gang])等[deng]担[dan]任[ren]其[qi]上[shang]市[shi]承[cheng]销[xiao]商[shang]。

原标题:

陆金所控股正式递交上市申请 或将成美股迄今最大的金融科技IPO

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