Models and channels are diversified and cost continuous optimization.

Zhongxin Jingwei, July 25th. Recently, consumer finance Co., Ltd. (hereinafter referred to as consumer immediately) was successfully organized in 2022, the total amount of the first phase of the syndicated loan, the total amount reached 680 million yuan. loan.

Coincidentally, on June 20, the company successfully issued the inter -bank public offering ABS (also known as credit assets support securities), with a issuance scale of 1.477 billion yuan, and the subscription multiple was 10.28 times.

It is understood that since the beginning of this year, consumption includes a diversified capital cooperation system such as joint loans, CLO (loan mortgage bonds), Yindeng ABS, CCI loans, financial bonds, interbank loans, and borrowing, and the cost of funds is getting lower and lower.

Under the epidemic, why can consumer financing immediately achieve great achievements?

Fund cooperation frequently

As early as May 2019, consumption immediately obtained the qualification to carry out credit asset securitization business. In November 2019, the company officially opened a new fund cooperation model for credit asset securitization. The first phase of the first phase of the licensed and eliminated company's credit asset securitization.

In 2020, the emergence of the new crown pneumonia's epidemic caused a huge impact on all walks of life. However, with the strong business capabilities such as customer acquisition, risk control, technology, compliance, and post -loan after consumption, it is well recognized by various financial institutions in the market, and new actions of the capital market have not stopped.

On April 14 of that year, the company publicly issued an ABS product of over 1.7 billion yuan in the national bank bond market -An Yihua's first personal consumer loan asset support securities in 2020, and banks, securities firms, funds and other institutions subscribed.

Since then, consumption has immediately promoted new fund cooperation models such as financial bonds, Yindeng credit asset income transfer business and merchandise loan.

In September 2020, for the first time in the national interbank bond market, it was approved for public issuance of not more than 2 billion yuan in financial bonds, and it was successfully issued in October. The asset circulation platform successfully established the third phase of property rights trust, with a scale of about 3 billion yuan; from March to June 2021, the first single company loan was successfully raised and the withdrawal of the withdrawal was successfully raised.

In the first half of 2022, with the market's financial institutions' recognition of the excellent performance of the past funding cooperation products in the past, based on the needs of companies and markets, consumption will continue to issue various types of capital products: Issuing ABS products 2 periods, the total distribution amount reaches 25.2 100 million yuan; 2 periods for the transfer of credit assets of Yindeng Center, with a total amount of 2.006 billion yuan; 1 time through loan financing of the CBR, the amount reached 680 million yuan.

"In the past two years, we have been strengthening and consolidating the diversified capital cooperation ecosystem that cooperates with various financial institutions. It has now covered the full model of capital cooperation that consumer finance companies can carry out. At the same time, the win -win situation has further improved the depth, breadth of cooperation and cooperation with various financial institutions. "An Feng, a senior director of consumption, said.

According to statistics, as of the end of June 2022, a total of 4 issues of credit asset securitization products were issued immediately, with a total issuance of 6.315 billion yuan. A total of 3 periods of loan business of the CIC have been carried out, with a total amount of 1.585 billion yuan.

Issuing interest rate a hit history, a record low

In recent years, as consumers have become the first driving force for my country's economic growth, the consumer finance market has also improved. At the same time, the advantages of licensed consumer finance companies, especially consumer finance companies with closed -loop capabilities, and The continuous standardization is gradually prominent, and the recognition and depth of cooperation of consumer finance companies such as consumer finance companies in the market are gradually increasing.

Therefore, various consumer finance companies have also carried out various types of funds based on their own development stage. In contrast, the capital business that consumes not only diversified the model and channels, but also shows some different highlights.

Taking the first phase of the merchandise loan in 2022, which was organized for a long time before consumption, this is the third phase of the syndicated loan and the first club delegation loan completed by the company since June 2021.

Compared with the average merchandise loan model, this club CCEC loan model is more timid and requires high recognition and tacit understanding between borrowing companies and members of the merchant. In addition, the credit status of borrowing companies is required to have good credit status, strong strength, and good growth. For business models, it is necessary to have a certain degree of professionalism and control. All parties can build a precise and efficient matching environment together to ensure smoothly to achieve consistent goals.

It is worth mentioning that due to the difficulty of operation and high professional requirements, it is rare in the non -bank financial institution's merchandise market. However, the successful landing of club and merchandise loans took only more than 2 months.

Look at the 1.477 billion yuan of bank public offering ABS products that have been successfully issued in June this year. Among them, the preferred A face rate was 3.3%, and the number of subscription multiples was 2.59 times; the preferred B -ticket interest rate was 3.8%, and the number of subscription multiples was 10.28 times.

"The continuous decrease in the interest rate of tickets and the high subscription multiple also reflects the continued enhancement of the recognition of capital products based on the performance of excellent assets immediately, especially when the company's recent number of such products is largely issued. The continuous distribution of such products will be able to further reduce the comprehensive capital cost of consumption immediately. "An Feng said. Why does financing make good achievements?

Consumption funds are getting diversified and cost -effective. What is relying on?

An Feng said that this is mainly due to the empowerment of external and internal factors.

From the outside, in addition to the influence of the current monetary market policy, various financial institutions in the market have become more and more recognized and cooperative participation in the marketing consumer financial company, especially the consumer financial company, which have a closed -loop full capacity consumer finance company. The number and type of financial institutions are also increasing, which brings more financial cooperation opportunities and choices to consumer finance companies.

At the same time, the regulatory authorities have also made clear and detailed specifications on various businesses that consumer finance companies can cooperate, and conducted clear guidance and guidance to various businesses of consumer finance companies.

From the inside, the development kinetic energy comes from the continuous improvement of various autonomous capabilities such as customer acquisition, R & D, risk control, post -loan, customer service, and compliance and consumer protection. The capacity of the whole process after the loan and the full process. The performance of consumption itself and various cooperation businesses and risk control continues to be dazzling immediately, which also allows various financial institutions in the market to penetrate the business strength of consumption immediately.

As a technology -driven consumer financial institution, the consumption has established more than 1,300 R & D teams and a big data risk control team of more than 300 people, with a cumulative investment investment of more than 2 billion yuan. As of the end of June 2022, there were more than 900 sets of business systems and submitted 625 patent applications, ranking first in the industry.

As of the end of June, the total assets of consumption immediately reached 64.165 billion yuan, an increase of 11.14%year -on -year. In the first half of 2022, the company achieved net income of 5.701 billion yuan, an increase of 23.26%year -on -year. From January to June this year, the company paid 1.360 billion yuan, an increase of 252.33%year-on-year; as of the end of June, the company had established a cumulative tax of more than 5.5 billion yuan in 7 years.

According to industry experts, driven by digital technology, consumption immediately shows a continuous, stable, and healthy development trend, which has won widespread recognition in the financial market and repeatedly creating financing. (Zhongxin Jingwei APP)

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