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全年净利超10亿,四季度却亏损逾5亿,拍拍贷被监管勒住了脖子?

来源: 南方日报网络版     时间: 2019年07月17日 12:48:45
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(公)(开)(信)(息)(显)(示)(,2015年)(,拍)(拍)(贷)(亏)(损)(达)(到)(7214万)(元)(;在)(2016年)(4月)(,拍)(拍)(贷)(上)(线)(现)(金)(贷)(产)(品)(“曹)(操)(贷)(”之)(后)(,其)(2016年)(第)(二)(季)(度)(净)(利)(润)(转)(正)(,全)(年)(净)(利)(润)(逾)(5亿)(元)(。
其)(中)(,其)(利)(润)(主)(要)(来)(源)(于)(贷)(款)(服)(务)(费)((Loanfacilitationservicefees)和)(贷)(后)(服)(务)(费)((Post-facilitationservicefees)。从)(2015年)(到)(2016年)(,拍)(拍)(贷)(的)(贷)(款)(平)(均)(服)(务)(费)(从)(3.6%上)(涨)(至)(6.4%;贷)(款)(服)(务)(费)(总)(额)(也)(水)(涨)(船)(高)(,从)(1.64亿)(元)(涨)(至)(9.11亿)(元)(,同)(比)(暴)(涨)(454.8%。
然)(而)(,这)(两)(项)(数)(据)(却)(在)(2017年)(第)(四)(季)(度)(的)(增)(幅)(出)(现)(了)(下)(滑)(。其)(第)(四)(季)(度)(贷)(款)(服)(务)(费)(与)(贷)(后)(服)(务)(费)(,较)(上)(年)(同)(期)(增)(幅)(分)(别)(为)(98.2%、180.9%;而)(第)(三)(季)(度)(两)(项)(收)(入)(的)(同)(比)(增)(幅)(分)(别)(为)(194.4%、941.9%。
拍)(拍)(贷)(在)(发)(布)(财)(报)(的)(当)(天)(同)(时)(宣)(布)(,公)(司)(董)(事)(会)(批)(准)(了)(一)(项)(股)(票)(回)(购)(计)(划)(,授)(权)(公)(司)(在)(未)(来)(12个)(月)(内)(回)(购)(总)(价)(值)(最)(高)(达)(6000万)(美)(元)(的)(股)(票)(。
张)(俊)(称)(,希)(望)(通)(过)(这)(项)(股)(票)(回)(购)(计)(划)(表)(明)(公)(司)(对)(拍)(拍)(贷)(未)(来)(增)(长)(前)(景)(的)(信)(心)(和)(对)(股)(东)(价)(值)(最)(大)(化)(的)(承)(诺)(。
不)(过)(有)(分)(析)(指)(出)(,此)(项)(股)(票)(回)(购)(计)(划)(更)(多)(是)(因)(为)(拍)(拍)(贷)(公)(司)(对)(目)(前)(公)(司)(股)(价)(不)(满)(意)(。身)(为)(网)(贷)(领)(域)(拥)(有)(十)(年)(资)(历)(的)(领)(军)(企)(业)(,拍)(拍)(贷)(截)(至)(2018年)(3月)(21日)(的)(股)(价)(仅)(为)(8.16美)(元)(,远)(低)(于)(有)(BAT等)(互)(联)(网)(大)(佬)(背)(书)(的)(宜)(人)(贷)(与)(趣)(店)(,二)(者)(的)(最)(新)(股)(价)(分)(别)(为)(42.24美)(元)(与)(13.8美)(元)(。
事)(实)(上)(,近)(来)(拍)(拍)(贷)(的)(股)(价)(持)(续)(着)(低)(迷)(的)(状)(态)(,一)(直)(在)(7美)(元)(~8美)(元)(左)(右)(徘)(徊)(。以)(21日)(收)(盘)(价)(计)(算)(,已)(经)(较)(其)(2017年)(11月)(10日)(上)(市)(的)(发)(行)(价)(13美)(元)(跌)(去)(逾)(四)(成)(;而)(其)(历)(史)(最)(高)(价)(曾)(达)(到)(14.63美)(元)(,相)(较)(于)(此)(,拍)(拍)(贷)(的)(股)(价)(已)(近)(腰)(斩)(。
拍)(拍)(贷)(这)(波)(低)(位)(震)(荡)(的)(趋)(势)(始)(于)(2017年)(11月)(下)(旬)(。11月)(21日)(有)(消)(息)(称)(,监)(管)(层)(出)(手)(,国)(内)(互)(联)(网)(小)(贷)(牌)(照)(发)(放)(被)(紧)(急)(叫)(停)(及)(监)(管)(一)(刀)(切)(整)(治)(现)(金)(贷)(。11月)(21日)(,美)(股)(中)(国)(互)(金)(类)(股)(票)(开)(盘)(集)(体)(大)(跌)(,拍)(拍)(贷)(大)(跌)(14.01%,报)(10.8美)(元)(。11月)(22日)(,拍)(拍)(贷)(再)(度)(崩)(跌)(24.26%,报)(8.18美)(元)(。
在)(此)(过)(程)(中)(,宜)(人)(贷)(与)(趣)(店)(等)(公)(司)(的)(股)(价)(也)(遭)(遇)(了)(下)(跌)(,不)(过)(截)(至)(3月)(21日)(,二)(者)(市)(值)(分)(别)(为)(25.24亿)(美)(元)(、45.55亿)(美)(元)(,而)(拍)(拍)(贷)(的)(市)(值)(为)(24.53亿)(美)(元)(。
拍)(拍)(贷)(快)(速)(增)(长)(的)(业)(绩)(也)(离)(不)(开)(借)(款)(人)(数)(的)(增)(长)(。
截)(至)(2017年)(12月)(31日)(,拍)(拍)(贷)(累)(计)(注)(册)(用)(户)(数)(量)(达)(到)(6541万)(,累)(计)(借)(款)(人)(数)(量)(为)(1050万)(人)(,累)(计)(个)(人)(投)(资)(者)(数)(量)(为)(55.98万)(人)(,独)(立)(借)(款)(人)(数)(量)(为)(400万)(人)(,同)(比)(增)(长)(117.5%。放)(贷)(额)(为)(176亿)(元)(,同)(比)(增)(长)(133.7%;平)(均)(贷)(款)(期)(限)(为)(6.7个)(月)(。
与)(贷)(款)(人)(数)(同)(步)(增)(长)(的)(,还)(有)(拍)(拍)(贷)(逾)(期)(风)(险)(。据)(拍)(拍)(贷)(财)(报)(显)(示)(,截)(至)(2017年)(12月)(31日)(,拍)(拍)(贷)(15-29天)(、30-59天)(、60-89天)(的)(逾)(期)(率)(分)(别)(为)(2.27%、2.21%、1.72%,相)(对)(于)(上)(季)(度)(的)(0.89%、1.40%和)(1.15%数)(据)(均)(有)(所)(上)(升)(,其)(中)(15-29天)(的)(逾)(期)(率)(增)(幅)(1.38%。
此)(外)(,根)(据)(拍)(拍)(贷)(在)(中)(国)(互)(联)(网)(金)(融)(协)(会)(披)(露)(的)(金)(额)(逾)(期)(率)(来)(看)(,截)(至)(2017年)(12月)(底)(,其)(金)(额)(逾)(期)(率)(为)(3.52%。实)(际)(上)(,从)(2017年)(8月)(至)(11月)(,拍)(拍)(贷)(的)(金)(额)(逾)(期)(率)(便)(呈)(逐)(月)(上)(涨)(的)(趋)(势)(,分)(别)(为)(2.14%、2.46%、2.36%、2.96%。
而)(这)(稳)(步)(上)(升)(的)(逾)(期)(率)(或)(许)(是)(由)(于)(拍)(拍)(贷)(采)(取)(的)(纯)(线)(上)(运)(作)(的)(模)(式)(。据)(了)(解)(,拍)(拍)(贷)(的)(投)(资)(、信)(息)(审)(查)(及)(之)(后)(的)(放)(款)(均)(是)(在)(线)(上)(完)(成)(,甚)(至)(逾)(期)(催)(收)(也)(在)(线)(上)(完)(成)(。这)(种)(纯)(线)(上)(的)(模)(式)(自)(然)(难)(免)(出)(现)(借)(款)(人)(信)(息)(真)(实)(性)(堪)(忧)(的)(情)(况)(,审)(核)(风)(控)(能)(力)(也)(难)(免)(让)(人)(担)(忧)(,进)(而)(也)(就)(导)(致)(逾)(期)(催)(收)(不)(利)(。
事)(实)(上)(,拍)(拍)(贷)(在)(网)(络)(社)(区)(被)(称)(为)(“老)(赖)(”的)(天)(堂)(,有)(人)(戏)(称)(“如)(果)(你)(从)(拍)(拍)(贷)(上)(投)(资)(亏)(了)(钱)(,赚)(回)(钱)(的)(办)(法)(就)(是)(再)(去)(拍)(拍)(贷)(借)(一)(笔)(钱)(”。
或)(许)(是)(为)(了)(降)(低)(逾)(期)(率)(和)(坏)(账)(率)(,拍)(拍)(贷)(暴)(力)(催)(收)(、泄)(露)(借)(款)(人)(隐)(私)(的)(消)(息)(时)(常)(见)(诸)(媒)(体)(。据)(媒)(体)(报)(道)(,1月)(30日)(,21CN聚)(投)(诉)(平)(台)(发)(布)(2017互)(联)(网)(消)(费)(金)(融)(行)(业)(黑)(榜)(显)(示)(,拍)(拍)(贷)(在)(2017年)(有)(效)(投)(诉)(量)(多)(达)(940件)(,位)(居)(2017年)(互)(联)(网)(消)(费)(金)(融)(行)(业)(投)(诉)(排)(行)(榜)(第)(5位)(。返)(回)(搜)(狐)(,查)(看)(更)(多)(
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