The cash loan overlord enters intelligent driving, can it be fun?
Author丨Bear CubProduced by丨Heat Wave FinanceHeat Wave Finance noted that the Guangzhou Municipal Local Financial Supervision and Administration recently issued the "Reply on the Change of Shareholders' Equity of Guangzhou 2345 Internet Small Loans", agreeing that Shanghai Hongsheng Intelligent Technology will hold 57 2345 small loans5% equity, Shanghai 2345 Network Technology *** will hold 42After the completion of the transfer of 5% of the equity to Shanghai YTO Jiaolong Investment and Development (Group)**, Shanghai YTO Jiaolong Investment and Development (Group)**hereinafter referred to as YTO Group) will hold 100% of the equity of 2345 Small Loan.
Intention to strip the bad impression of cash loans?Shanghai Hongsheng Intelligent Technology Co., Ltd. and Shanghai 2345 Network Technology Co., Ltd. are both shares of Shanghai 2345 Network Holding Group, which has been renamed as a wholly-owned subsidiary of Shanghai Yanshan Technology Co., Ltd., and is also the operating company of the former 2345 Loan King and 2345 Network Technology.
In fact, since March this year, there have been rumors in the market that YTO Group is seeking an online small loan license, and has contacted 2345 small loans, and if it goes well, it will be implemented in about half a year. Judging from the current timing of the disclosure of information, it seems that it is three months late.
It is worth mentioning that at that time, when ** consulted the two parties about the authenticity of the news, 2345 Microloan's parent company, 2345, said that the company was looking for a transferee, and it was not clear whether the transferee was YTO Group, and YTO did not comment on the news. The reticence of both parties has given the license transfer a touch of mystery.
In May this year, the registered capital of 2345 small loans was reduced from 2 billion to 500 million, which seems to be in preparation for the sale of licenses. Although the 2345 announcement stated that the purpose of the capital reduction is the overall development of the company and the actual operation and management needs of Guangzhou small loans, in the industry, the capital reduction of small loan companies can actually reach a low transfer threshold, which is conducive to the purpose of the buyer to pass the capital conditions required by the regulator.
The two parties did not disclose the details of the online small loan license, but judging from the market and the information on 2345 to find buyers, the initial ** was about 30 million, and it is unknown whether the transaction price was lower and how much lower.
In May this year, when an investor asked whether 2345 was still involved in the micro-loan business. 2345 said that it will no longer carry out Internet micro-loan business from the second quarter of 2019. This also means that 2345 small loans have no stock business anymore, and they cannot add to the license.
Judging from the current 2345 operations, 2345, which is now the selling license of Yanshan Technology, is not only the depreciation of the license value and the reduction of the online loan business, but also the negative impact of the previous cash loan in order to enter high-tech industries such as intelligent driving and health care.
Heat Wave Finance noticed that one month before the successful transfer of 2345 small loans, 2345 also transferred 100% of the equity of Shanghai 2345 Big Data Technology to Shanghai Ruirui Enterprise Management for many years*** According to this trend, the institutions related to the previous cash loan under the 2345 Group may be slowly ** or cancelled.
Since the second half of the year, 2345 has made frequent moves in the layout of other industry institutions. At the end of August, 2345 announced that its wholly-owned subsidiary, Ruifeng Intelligent Technology, intends to press RMB 19The total pre-investment valuation of 800 million yuan, with its own funds of 6The total amount of 7.5 billion yuan or the equivalent of US dollars increased the capital of NullMAX (Cayman) and subscribed for a total of 36199565 Series B preferred shares of NullMAX (Cayman), accounting for 2612% equity. According to the information, NullMAX (Cayman) is an institution that develops future intelligent driving, and has cooperated with leading car companies.
In addition, 2345 also subscribed 100 million yuan to obtain 100% equity of Zhuhai Hengqin Iwai Health Technology, and entered a number of investment companies.
The express delivery industry has accelerated the layout of financial business
In recent years, the number of Internet small loan stock transactions has shown a cliff-like, on the one hand, because there are few high-quality buyers, and on the other hand, the regulatory threshold is strict. In addition to ***, the buyer's paid-in capital, stock business, capital, etc. will be strictly reviewed, so there are few entities that can undertake.
Compared with other regions, Guangzhou, where 2345 microfinance is registered, is more lenient in the application and transaction of microcredit licenses. In the "Key Points for the High-quality Development of Guangzhou's Microcredit Industry" released in April this year, it is clearly proposed to encourage qualified and strong real economy enterprises to initiate the establishment of microcredit companies and expand the team of the microcredit industry.
In terms of the existing microcredit business, the document supports the existing microcredit companies to increase capital and shares, introduce strategic investors, explore employee stock ownership, and continuously improve their capital strength. Guide microcredit companies to tap shareholder resources, find out market positioning, fully rely on the background of shareholders' industrial chain to carry out business, realize the dislocation development between microcredit companies and banks and other local financial organizations, and enhance their ability to serve the real economy.
Objectively speaking, the relaxed local regulatory conditions have created conditions for the smooth transfer of the license.
At present, the number of Internet small loan licenses on the market has shrunk to about 230, and with the China Banking and Insurance Regulatory Commission (CBIRC) last year, when replying to netizens' messages on the "leadership message board" of People's Daily Online, it said that after the complete suspension of the establishment of new online small loan practitioners, the number of Internet small loan licenses will only decrease.
In recent years, it has been common for express giants to get involved in the financial industry, using the phenomenon of agglomeration of their own industries to carry out the layout of the first chain of finance, express giants can not only bring income outside the main business, but also be able to further improve the ecology of the business.
In 2017, YTO Jiaolong Group established a new business segment, YTO Finance, which has licensed companies such as Shanghai YTO Financial Leasing, Shanghai YTO Commercial Factoring, Shanghai Xingda Insurance Brokers, etc. After holding the small loan license, YTO can take advantage of the direct lending advantages of the license to deepen its business.
Compared with several other express delivery giants, SF Express has obtained a small loan license in 2017, and at present, Shenzhen SF Hefeng Small Loan *** hereinafter referred to as SF Small Loan) has a registered capital of 300 million yuan, mainly providing business loan services for SF's ** chain finance, and a single customer can borrow up to 500,000 yuan. In addition, SF Express also has a number of licenses such as third-party payment licenses, factoring, and financial leasing.
Debang, which is also a logistics giant, divested its small loan business last year. According to industrial and commercial information, in October last year, Debang ** took the only small loan license it held, Guangzhou Starlight Small Loan, Debang no longer holds an Internet small loan license.
Previously, Debang had launched products such as family and friend loans and employee loans for Debang employees, although the bad debts of the employee group were low, but the income was also low, which was insignificant for Debang's financial business.
At present, the highest registered capital of the small loan license held by the express company is Zhongtong small loan of 2.2 billion, and in terms of business objects, Zhongtong small loan mainly issues loans to small and micro enterprises in its industrial chain.