As of March 3 1, lufax Holdings, 360 Digital Branch, Lexin, Xinyi Technology, Xiaoying Technology, Jiayin Jinke and other listed companies in the United States have all disclosed their 20021annual performance reports. Through the comparison of financial report data, we find that these financial technology companies have made some breakthroughs in the field of micro-credit services in the past year. For example, lufax Holdings has continuously expanded the proportion of new loans to small and micro business owners, and 80% of the new loans in the fourth quarter of last year were invested in small and micro enterprises.
In the new era of micro-credit service, these listed companies also have new topics.
202 1 With the sustained and stable recovery of the domestic economy, the demand for operating financing of small and micro enterprises is strong, and the business of head financial technology companies has entered the fast lane.
According to the statistics of New Economic Observer Group, in terms of loan facilitation data, except for the strategic slowdown of Lexin in the fourth quarter and the failure of Jiayin Jinke to disclose the loan balance, the other four companies achieved substantial year-on-year growth in the three dimensions of loan balance in the single quarter, the whole year and the end of the year.
Among them, the total amount of loans, lufax Holdings. The financial report shows that lufax Holdings continues to improve the quality and strength of serving small and micro entities. In the fourth quarter, new loans for retail credit business increased by 14.3% year-on-year to151600 million yuan; At the end of the year, the balance of custody loans was 66,654.38 billion yuan, a year-on-year increase of 2 1.3%.
The number of branches follows closely in terms of loan amount. The amount of facilitated loans in the fourth quarter, the balance of loans at the end of the year and the amount of facilitated loans for the whole year were 96.9 billion yuan, 654.38+42 million yuan and 357.65438+000 million yuan respectively. In the fourth quarter, it contributed 39 billion yuan in loans, up 865,438+0.4% year-on-year; At the end of the year, the balance of custody loans was 50.3 billion yuan, up 88.4% year-on-year; 202 1, loans137.4 billion yuan, an increase of11%. The loan growth rate of Jiayin Jinke and Xiaoying Technology is also very bright. Among them, Jiayin Jinke's single-quarter and full-year loan contribution increased by 75.3% and 89.7% year-on-year, and Xiaoying Technology's year-end loan balance increased by 88.5% year-on-year.
In terms of specific micro-financial services, in the fourth quarter, listed financial technology companies increased their support for small and micro-business owners.
Among them, both the proportion of new loans to small and micro business owners and the absolute amount of new loans to small and micro business owners are outstanding: the financial report shows that relying on the online and offline business model, lufax Holdings' retail credit business actively uses scientific and technological means to increase small and micro support and optimize the efficiency of small and micro services. In the fourth quarter of last year, about 80% of new loans went to small and micro enterprises, an increase of 5 percentage points over the same period in 2020. According to estimates, in the fourth quarter of last year, the scale of new small loans of lufax Holdings was about1212.8 million yuan.
According to the previous quarterly report, in the first three quarters of 200212002, the proportion of new loans granted by lufax Holdings to small and micro business owners was 75.7%, 77.6% and 80.5% respectively, and it continued to tilt towards small and micro business owners on the premise of maintaining a high level.
It is worth mentioning that the reason why lufax Holdings has a large loan amount and a high balance is related to the high demand for single financing from its main customer group-SME owners. However, due to the large number of small and micro enterprises, unstable operation, lack of collateral and scattered data, it is difficult to control risks, and a large number of financing needs cannot be met. Under this premise, if we want to match them with long-term and large-scale financing, it puts forward higher requirements for the risk control ability of microfinance service companies.
202 1 at the beginning of the year, Ping An Pratt & Whitney; Whitney, a subsidiary of Land Control, officially launched the engine upgrade project. Compared with the previous version, the management efficiency of the upgraded engine is improved by nearly 5 times and the response speed is improved by about 6 times.
Secondly, the number of borrowers directly reflects the breadth and depth of microfinance services.
The number of controlling borrowers of lufax has greatly increased. Under the new development pattern, by the end of 20021,the cumulative number of borrowers of lufax holding increased by 16.4% year-on-year, reaching nearly1680 million. Win Technology is also committed to improving the financial efficiency of Pratt & Whitney. Whitney through digital technology capabilities. At present, there are more than 6.5438+0.6 million loan users of Xiaoying Technology's self-employed individuals and small and micro enterprises. In the fourth quarter, 30 entities provided loan services to 24.3 million individual users and small and micro enterprises, a year-on-year increase of 23.4%.
The great value of science and technology in helping microfinance has long been deeply rooted in people's hearts. Financial technology listed companies can assist financial institutions to finely operate and stratify small and micro customers through big data, AI and other technical means, accurately identify credit risks and business risks of small and micro customers, realize differentiated and intelligent credit granting, improve the matching degree between financial institutions and small and micro customers, improve service reach and user experience, and accurately transfer inclusive funds of financial institutions to small and micro customers.
In order to maximize the participation of financial technology in the practice of microfinance, we must continue to increase investment in digital technology research and development, build a solid and comprehensive digital cornerstone, fully empower microfinance, and enhance business sustainability.
According to the financial report, the technical and analysis expenses of lufax Holdings increased by 29.5% in the fourth quarter, reaching 597 million yuan, compared with 46,654.38+0 million yuan in the same period last year, mainly due to the company's continuous investment in technology research and development. In addition, Q 1 202 1 was 447 million yuan, an increase of 8.2%; Q2 202 1 is 5170,000 yuan, up by18.6% year-on-year; In the third quarter of 2002/KLOC-0, the technical expenditure was 524 million yuan, up 8.7% year-on-year. Therefore, in 20021year, the total cost of technology and analysis in lufax was 2.084 billion yuan, up 16.29% year-on-year. D expenditure of R & Ample Lexin and Xinye Technology also remained at a high level, with Lexin Q4 increasing by 72% year-on-year.
Thanks to the long-term investment in digital technology, financial technology listed companies have formed an efficient microfinance business model, a perfect and accurate intelligent risk control system, stable asset quality performance and declining risk indicators, thus extending the "blood transfusion belt" of microfinance to a longer and farther distance. In lufax, based on intelligent technology, an online and offline (O2O) in-depth service model has been formed.
It can provide customized financial services for SMEs in the whole life cycle. By the end of the fourth quarter, the asset quality of lufax Holdings remained stable.
Thirdly, the improvement of scientific and technological capabilities and risk control efficiency has also made the comprehensive borrowing costs provided by enterprises continue to decline, benefiting small and micro customers to the greatest extent. Lufax Holdings continued to actively reduce financing costs. Based on the average managed loan balance of 202 1, the comprehensive interest rate decreased by 3 percentage points year-on-year; In order to achieve a more sustainable risk sharing model, lufax Holdings actively increased the proportion of self-guarantee and optimized its business model and income structure. The proportion of quarterly new loans undertaken by lufax Holdings reached 20.8%, which was 65,438+00.0% in the same period in 2020.
With the efforts of the whole industry, the domestic microfinance industry has made great progress. According to the latest data of the central bank, by the end of 2023 1, the balance of domestic inclusive small and micro loans was 19.7 trillion yuan, up by 25.8% year-on-year; The number of households in inclusive microcredit increased to 4810.3 million, a year-on-year increase of 45.5%.
However, it is impossible to serve small and micro enterprises overnight. In order to grasp the needs of micro users and improve the breadth and accuracy of micro finance, listed financial technology companies still need to do a lot. In addition to continuously improving the level of intelligent risk control and steadily reducing the cost of loans, we must also be prepared for long-term operation.
Related Q&A: Related Q&A: Which platform can borrow money? Thank Xiao Jiu for inviting me to answer this question! Welcome to like it if it helps.
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