No one is alive in P2P. Did Mutual Gold put on a new coat after being robbed?

After two years, Mujin went public again, but this time, the protagonist changed.

65438 10/8 China ping an's financial technology incubating for many years? Lufax, the eldest son, formally submitted a prospectus to the SEC, seeking listing on the NYSE. This means that lufax will become the third financial technology enterprise listed in 2020 in China after Ant Group and JD.com.

From Ant Group on August 25th to JD.COM Mathematics Department on September 1 1, and then to lufax on October 8th, in just two months, three financial technology enterprises? Holding a group? Impact list. According to the market forecast, the valuation of A+H listed ant group may reach 280 billion US dollars, and the valuation of lufax and JD.com will reach 260 billion yuan and 200 billion yuan respectively, which shows the market's pursuit of it.

Three years ago, the enterprises that set off the first wave of financial technology listing were equally beautiful at that time. In addition to pleasant loans that landed on the NYSE on 20 15, mutual gold star enterprises such as Xinfufu, Fun Shop, Credit, Paipai Loan, Jianpu Technology, Lexin, 5 1 Credit Card, WeChat Jinke and Remittance World all chose to go public in the US on 20 17 or 20 18.

But just three years later, the scenery of the past suddenly became? A lump of loess? . The market value of fun shops has dropped from the highest point of 1 1 billion dollars to less than 400 million dollars now. Jianpu Technology, Xinfufu and other stocks were reduced to fairy stocks, and companies such as credit and micro-loan network were investigated for suspected illegal funds. Most mutual fund companies listed in the first wave are struggling, and they have suspended or divested their online loan business to seek transformation.

The market will not pity the participants who advance wave after wave. Ups and downs often happen overnight? . Just as the first batch of participants were undergoing a difficult transition, another batch of financial technology enterprises, such as Ant Group, JD.com and lufax, took over? Technology empowers finance+platform services? Here comes the new concept. Does this new story of mutual gold industry make sense?

Lift a tall building

When it comes to mutual gold, the two companies that cannot be avoided are Lexin and Fun Shop.

20 13 Xiao, product director of Tencent, found in the process of campus recruitment that electronic products stores on campus would sell mobile phones to students in stages. He keenly smelled the business opportunity, resigned at the end of 20 13, and turned around and founded the staged music.