Xingye Consumer Finance in Zhaolian Finance

Recently, a number of banks and listed companies disclosed the operating results of their holding or joint venture consumer finance companies. It is understood that at present, there are 30 domestic currency-eliminating companies, including 20 banking companies including Suning Consumer Finance (that is, the largest shareholder is a bank). Up to today, 14 consumer finance companies, including Zhaolian, Xingye, Fast Food, Xiaomi, Jinshang, Hubei, Sunshine, China Post, Bank of China, Zhongyuan, Harbin, Shengyin, Haier and Jincheng, disclosed their "gold absorption" ability on 20021.

In terms of revenue scale, in 20021year, among the above-mentioned 14 companies, the revenue of recruiting joint ventures exceeded 654.38+0.5 billion yuan, and then exceeded 654.38+0 billion yuan, followed by Xingye's 8395438+0 billion yuan, ranking the top three. Followed by China Post and China Bank, the revenue exceeded 5 billion yuan; Zhongyuan's revenue of nearly 3.6 billion yuan ranked sixth, and Haier's revenue of 2 billion yuan ranked seventh.

From the perspective of income growth, in 20021year, Haier's consumption expenditure ranked first with a year-on-year growth rate of 76%, Zhongyuan's consumption expenditure ranked third with a growth rate of 70%, and Hubei's consumption expenditure ranked third with a growth rate of 59%.

From the perspective of profitability, the net profit of Zhaopin's recruitment of 3.063 billion yuan still ranks first, Xingye's net profit of 2.23 billion yuan ranks second, and its immediate net profit of 65.438+38.2 billion yuan ranks third. Followed by China Post and China Bank, the net profit was 65.438+22.9 million yuan and 844 million yuan respectively. It is worth mentioning that Zhongyuan and Sunshine Gold achieved a loss of 202 1 kwh. Xiaomi Xiaojin is currently at the end of 14 Xiaojin Company, with undisclosed revenue and net profit of only 3.68 million yuan.

In terms of net profit growth, Hubei, Xiaomi, Shengyin and China Post AliExpress increased by 470%, 236.4%, 233%, 206% and 94% respectively.

From the perspective of asset scale, Zhaolian, Xingye and Immediate are still in the top three. Among them, the total assets of Zhaolian and Xingye are close to 654.38+05 billion yuan, while the total assets of Zhaolian and Xingye are above 665.438+00 billion yuan.

Insiders pointed out that the 24% annualized interest rate adjustment is still under great pressure, and the profit margin of Xiaojin Company may be further narrowed in the future, and the industry's competition for quality customers will undoubtedly become more intense. How to do a fine and streamlined operation, retain high-quality customers, further broaden consumption scenarios and grab new users will be the long-term challenges faced by various consumer finance companies in the future competition.

Introduce the operating results of the following 14 consumer finance companies:

Recruit consumer finance

In 20021year, Zhaolian's consumer finance income was1593.3 billion yuan, an increase of 24.3% over the previous year's1281600 million yuan; The net profit was 3.063 billion yuan, an increase of 83.6% over the previous year's 65.438+66.8 billion yuan, and the profit growth rate was amazing.

By the end of the reporting period, the total assets of Zhaolian consumer finance were 65.438+049.698 billion yuan, an increase of 38.2% compared with 65.438+0083.165.438 billion yuan at the end of the previous year; Total liabilities were 1356 1 billion yuan, up 39.4% from 97.284 billion yuan at the end of listing.

In the previous three years, the growth rate of consumer finance income and net profit of Zhaolian has slowed down, but its net profit of 202 1 has achieved "rapid progress". From 20 18 to 2020, the operating income was 6.956 billion yuan,107.4 billion yuan and1281600 million yuan, respectively, of which 20 19 and 2020 increased by 54.4% and/kloc-respectively. The company's net profit was 65.438+25.3 million yuan, 65.438+46.6 million yuan and 65.438+66.8 million yuan respectively, of which 2065.438+07% and 2020 increased by 65.438+03.78% respectively. Compared with 2020, its annual revenue in 2002/kloc-0 only increased by 24.3%, but its net profit surged to 83.6%.

Xingye consumer finance

As of the end of the reporting period, the total consumer financial assets of Xingye were 66,543.8+0.79 billion yuan, a year-on-year increase of 38.67%; The loan balance was 58.056 billion yuan, up 465,438+0.86% year-on-year. Realized operating income of 83,965.438 billion yuan, a year-on-year increase of 29.78%; The net profit was 2.23 billion yuan, a year-on-year increase of 65. 14%. Based on this calculation, the industrial consumer finance revenue in the second half of the year was 4.522 billion yuan and the net profit was 880 million yuan. Compared with the first half of the year, its revenue increased by 16.9% and its net profit decreased by 14%.

Spot consumer finance

In 20021year, immediate consumption realized revenue of 100 1 billion yuan, up by 31.6% year-on-year; The net profit is 1.382.

Immediately, from 20 16 to 20 18, consumption completed three consecutive capital increase and share expansion, and the current registered capital reached 4 billion yuan. After the opening up of consumption, it developed rapidly and turned losses into profits in 20 16 years. In 20 17, there was a big performance explosion, and the operating income was 4.668 billion yuan, which was 3.4 times that of the previous year. The net profit was 578 million yuan, 88.6 times that of the previous year. In 20 18, the immediate consumption income nearly doubled year-on-year, reaching 8.239 billion yuan, and the net profit reached 80. 1 100 million yuan; However, from 20 19 to 2020, the original rapid growth of spot consumption came to an abrupt end. Affected by the epidemic and other factors, there will be a double negative growth in net income in 2020. The two-year revenue was only 8.999 billion yuan and 7.604 billion yuan respectively, while the net profit was 853 million yuan and 765.438+0.2 million yuan respectively.

Xiaomi consumption finance

The interim report of Chongqing Rural Commercial Bank in 2020 shows that,

Xiaomi Xiaojin lost 9.069 million yuan from its establishment to June 30, 2020. By the end of 2020, the net profit during the reporting period was 6.5438+0.094 million yuan, which successfully turned losses into profits. In the first half of 20021,the total assets of Xiaomi Xiaojin increased to 4.691billion yuan, with a net loss of about 65.327 million yuan.

In fact, in the first three quarters of 202 1, Xiaomi's consumer finance suffered losses. In the third quarterly report of 20021,Chongqing Rural Commercial Bank lost16.44 million yuan, and the accumulated loss was 212.42 million yuan. Based on the share ratio of 30%, Xiaomi Xiaojin 202 1 lost 5.48 million yuan in the third quarter.

Sunshine consumption finance

By the end of 20021,the total assets of Sunshine Consumer Finance were118.73 million yuan, the net assets were10/2 million yuan, and the net profit during the reporting period was/kloc-0.08 million yuan. During the reporting period, the company had 65,438+004 full-time employees, including 6 managers, 70 business personnel and 28 support personnel. Employees with bachelor degree or above account for 100%.

Based on this calculation, in the second half of 20021,Sunshine Consumer Finance realized a net profit of about 1.5 1 billion yuan, an increase of 455% from the previous month. Compared with 2020, it will turn losses into profits.

China Bank Consumer Finance

In 20021year, the operating income of consumer finance of BOC was 5.346 billion yuan, up by 24% year-on-year; The net profit was 844 million yuan, up 85.5% year-on-year. At the end of the reporting period, BOC's total consumer financial assets were 54.326 billion yuan and its total liabilities were 46.465 billion yuan. In 2020, BOC's consumer finance operating income was 4.3/kloc-0.0 billion yuan and its net profit was 455 million yuan.

Among them, in the first half of 20021,BOC's consumer finance realized an operating income of 2.348 billion yuan, an increase of1.23% compared with 2 1.30 billion yuan in the same period last year; The net profit was 532 million yuan, up 426.73% from 1.0 1 100 million yuan in the same period last year. Its total assets are 37.894 billion yuan and its total liabilities are 29.94438 billion yuan.

Zhongyuan consumer finance

In 20021year, Zhongyuan Xiaojin realized a year-on-year increase of 3.595 billion yuan in operating income and an increase of 42,605,438+00,000 customers, serving15177,900 customers. During the reporting period, the loan amount of Zhongyuan Qianjin was 64.544 billion yuan, and the accumulated loan amount was 65.438+068.878 billion yuan; By the end of 20021,the loan balance was 25172 million yuan, an increase of 5.872 billion yuan over the end of last year, and the number of loans exceeded1887 million, with the cumulative number of loans exceeding 50.5053 million. The company has 469 employees.

According to the data of 20021semi-annual report released by Zhongyuan Bank, at the end of the reporting period, the accumulated loan amount of Zhongyuan Consumer Finance Company was 65,438 yuan+03,565,438 yuan+55 million yuan; The loan balance was RMB 2,366,543,804, an increase of RMB 436,543,804 over the beginning of the year.

In the first half of 2002/kloc-0, the operating income was 6543.8 yuan+563 million yuan, an increase of 50.72% over the same period of last year. During the reporting period in the first half of the year, loans exceeded 1, 1 588,500, and accumulated loans exceeded 43,223,700; The number of new customers is 24 13900, and the cumulative number of customers is 133 1700.

In 2020, Zhongyuan Consumer Finance Company realized an operating income of 210.90 billion yuan, an increase of 78.87% over the previous year's10.20 billion yuan.

Hayin consumption finance

Ha Jin is the 19 th licensed consumer finance company in China and the first licensed consumer finance company in China to obtain strategic investment from the Internet giant. By the end of the reporting period, the registered capital of Harbin Consumer Finance Company was RMB 654.38+RMB 50 million. As of 202 1 65438+2,31day, the total assets of Harbin Bank Co., Ltd. were13.658 billion yuan, up by19.88% year-on-year; The loan balance was 654.38+03.04 billion yuan, a year-on-year increase of 23.05%; Operating income of RMB 960 million; The cumulative number of people served exceeded 29 million.

At the end of the first half of 20021,the total amount of consumer finance loans of Harbin Bank reached 654.38+03.295 billion yuan, with a net profit of 665.438+00 million yuan. In 2020, the balance of consumer finance loans of Harbin Bank was 65.438+0.0597 billion yuan, and the non-performing loan ratio was less than 2%. The profits of that year were not disclosed.

It is worth mentioning that Heilongjiang Banking Insurance Regulatory Bureau disclosed that in 20021year, the total number of consumer finance complaints of Harbin Bank was 163, and the data in the previous period was 37, up 340% year-on-year.

Shengyin consumption finance

Shengyin Consumer Finance Co., Ltd. is the first consumer finance company in Northeast China. As of 202 1, 12 and 3 1, Shengyin Consumer Finance Co., Ltd. has total assets of 4.804 billion yuan, loan balance of 3.9.1700 million yuan, and has served 4.7903 million customers.

In 20021year, Shengyin consumer finance realized operating income of 765.438+0 billion yuan, profit before provision of 654.38+0.5 billion yuan, and non-performing loan ratio of 0.74%. Among them, in the first half of 20021,Shengyin Consumer Finance realized operating income of 402 million yuan, and the profit before provision was 1. 1 billion yuan.

In 2020, Shengyin Xiaojin's operating income was 690 million yuan, a year-on-year increase of 65,438+004%; The net profit was only 45 million yuan, a year-on-year decrease of 33.8%. In 20 19, Shengyin's consumer finance business income was 338 million yuan, up1866% year-on-year; The net profit was 68 million yuan, a year-on-year increase of 78.6%.

Haier consumer finance

Haier Xiaojin has total assets of 65.438+05.552 billion yuan and operating income of 2.064 billion yuan, an increase of 75.66% compared with 65.438+06.5438+75 billion yuan in 2020. Net profit 1.9 1 billion yuan, up 55.28% compared with123 million yuan in 2020. According to the results of the first half of the year, in the second half of 20021,Haier's consumption income was 65.438+33.2 billion yuan, up 82% from the previous month, and its net profit was 65.438+0.10.40 billion yuan, up 48% from the previous month. Since its opening, Haier Xiaojin has been profitable for seven consecutive years.

In 20021year, the current assets of Haier consumer finance were15.347 billion yuan, of which cash and cash equivalents were 365.438+0.3 billion yuan. In 20021year, the operating expenditure was 654.38+85 million yuan, an increase of 73.5% compared with 654.38+66 million yuan in 2020. The total comprehensive income was 1.9 1 billion yuan, compared with 1.23 billion yuan in the previous year.

Shanxi merchants' consumption finance

In 20021,the income of Shanxi merchants from consuming gold business was 550 million yuan, a slight increase of 0.7% compared with 546 million yuan in the previous period; The net profit was 60,937,700 yuan, an increase of 654,38+02.5% compared with the previous period of 5,465,438,800 yuan. By the end of 20021,the total assets and liabilities of Shanxi merchants were 7.89 billion yuan and 7.094 billion yuan respectively.

Hubei consumer finance

Hubei Xiaojin's operating income was 729 million yuan, a year-on-year increase of 58.5% compared with 460 million yuan in the previous period; The net profit was 93 199400 yuan, an increase of 470% compared with the previous period 16327600 yuan. Hubei Xiaojin's total assets are 1 1 billion yuan, and its total liabilities are 9.56 billion yuan.

Hubei Xiaojin 202 1 achieved revenue of 336.3 million yuan and net profit of 50.8 million yuan in the first half of the year. This also means that Hubei Xiaojin's revenue in the second half of the year was 393 million yuan, up about 17% from the previous month, and its net profit was 42.399 million yuan, down 16.5% from the previous month.

China postal consumption finance

China Post's consumer finance achieved revenue of 5.686 billion yuan, a year-on-year increase of16.92%; The net profit was 65.438+22.9 million yuan, an increase of 205.7% compared with 402 million yuan in 2020. By the end of last year, the total consumption financial assets of China Post exceeded 40 billion yuan, reaching 44.422 billion yuan, an increase of 30.63% over the end of last year.

Jincheng consumption finance

According to the annual report of Chengdu Bank in 2020, by the end of the year, Jincheng Xiaojin had total assets of 8.8/kloc-0.70 billion yuan, total liabilities of 7.692 billion yuan and total owners' equity of/kloc-0.0/0.25 billion yuan. In 2020, the revenue was 750 million yuan, up about 40% year-on-year, and the net profit was 1.2 1 billion yuan, down about 27% year-on-year. From 20 16 to 20 19, Jincheng Xiaojin's operating income was 654.38+67 million yuan, 654.38+56 million yuan, 230 million yuan and 534 million yuan respectively; The net profit was 75 million yuan, 6 1 10,000 yuan, 76 million yuan and166 million yuan respectively.

Related Q&A: What are the top ten collection companies in China? That's efficient? Qingdao Lian Xin Group is a good collection company. It has a DCA international collection platform, where you can find collection lawyers from all over the world, as well as solutions for overseas arrears.

Related Q&A: What are the rankings of online loan collection of Baidu, Meituan, Weibo, Alipay and JD.COM? 1. Meituan: The collection will begin on the first day after the deadline. In the afternoon, authorize the third-party company to start the intimidation mode without seeing the repayment, and contact the emergency contact person or unit phone number.

2. Music by Stages: The first day of overdue is just a warm reminder by SMS, and the phone reminder will be started on the morning and afternoon of the next day, and the third party will be authorized to intimidate and harass in a week or so.

3. Micro-loan: basically no rush for the first three days, basically a phone call every day after one week, and a soft grind in the afternoon after half a month, and a third party threatened to come to the door around 16.

4. Zhaolian Finance: After one week overdue, there is basically no phone harassment. After one week, there is basically one phone call every day. After half a month, there are basically three or five phone calls and SMS bombardments every day until the repayment is completed.

5. Alipay (borrowing money, spending money, online business loan): overdue for half a month is basically just a warm reminder by SMS. On the third day after half a month, directly authorize the third party to contact the emergency contact person until the repayment is completed, and there is basically no rush after one month.

6.JD.COM (gold bars, white bars): Basically, once overdue, people will start to call for payment, and they will be harassed by phone and bombarded by text messages in about a week. After half a month, they will directly notify emergency contacts or threaten to come home.

These are all my own personal experiences. Generally speaking, Meituan, Staging Music and JD.COM are the craziest collectors. You need to be cautious in lending, and repayment will hurt your health.