When it comes to lufax's P2P platform, the market will undoubtedly think of Big Mac Jin Lu. However, the online loan home found that another P2P platform owned by lufax, Qianjinfu, has been quietly operating for about half a year.
Through internet search, there is little information about Qianjinfu. Through comparison, it is found that Qianjinfu and Jin Lu are almost identical in page setting and product setting. Then, why did lufax and Ping An of China, which already have P2P platforms, launch another P2P platform in Shenzhen? Is it for internal competition? Or is the layout bigger? Every move of the giant deserves special attention.
Ping An builds P2P platform in Shenzhen.
According to Qian Jinfu official website (www.dlumoney.com), Qian Jinfu is a P2P platform of Qianhai Jinniu Loan (Shenzhen) Internet Financial Services Co., Ltd. (hereinafter referred to as Qianhai Jinniu Loan), which is a wholly-owned subsidiary of Shenzhen Jin Lu Internet Information Service Co., Ltd., focusing on providing intermediary information services in peer-to-peer lending. 20 15 1 was incorporated in Shenzhen with a registered capital of1000000 yuan, and its headquarters is located in Shenzhen Qianhai Financial Center. The actual controller disclosed by the company is lufax Holdings Limited (Cayman).
The online loan home found that the investor of Qianhai Jinniu Loan was originally Shenzhen Jiaxin Everbright Capital Management Co., Ltd. Since the second half of 20 17, the shareholders of qianhai jinniu loan have experienced four intensive changes. On September 2, 20 17, the shareholder was changed from Shenzhen Jiaxin Everbright Capital Management Co., Ltd. to Shenzhen Zhangsheng Technology Co., Ltd.
2065438+07171October 23rd, the shareholder of Qianhai Jinniu Loan was changed from Shenzhen Zhangsheng Technology Co., Ltd. to natural person Zheng Li.
2017165438+1October 14. Zheng Li withdrew, and the shareholder was changed to Jin Lu (Shenzhen) Technology Service Co., Ltd., with Pan Biao as the general manager.
On October 29th, 2065438+2008/kloc-0, the shareholder was changed from Jin Lu (Shenzhen) Technology Service Co., Ltd. (hereinafter referred to as Shenzhen, Jin Lu) to Shenzhen Jin Lu Internet Information Service Co., Ltd., with the registered capital of 100000000 yuan. The general manager has not changed.
At present, the sole shareholder of Qianhai Jinniu Loan is Shenzhen Jin Lu Internet Information Service Co., Ltd. (hereinafter referred to as Shenzhen Jin Lu). Going back, the controlling shareholder of Shenzhen Jin Lu is Shanghai Xiongguo Enterprise Management Co., Ltd. (holding nearly 100%). The shareholders of Shanghai Xiongguo include Shenzhen Ping An Financial Technology Consulting Co., Ltd. (a subsidiary of Ping An Insurance), Xinjiang Tongjun Equity Investment Co., Ltd., Shanghai Lanbang Investment Co., Ltd. and Linzhi Jinsheng Investment Management Partnership (limited partnership).
At this point, after several rounds of shareholder changes, Qianhai Jinniu Loan was undoubtedly identified as a company under Ping An. However, according to the information of shareholders Shenzhen Jiaxin Everbright Capital Management Co., Ltd. (with two natural persons as shareholders), Shenzhen Zhangsheng Technology Co., Ltd. (with two natural persons as shareholders) and natural person Zheng Li before Qianhai Jinniu Loan, there is no obvious connection with Ping An, that is, Ping An acquired Qianhai Jinniu Loan from natural person Zheng Li on 201.
According to industrial and commercial information, Qianjinfu is not directly affiliated to lufax.
The last two shareholders of former financial services, whether Jin Lu (Shenzhen) or Shenzhen Jin Lu, are both Ping An companies with similar names. Then, why did the shareholders of Hai Jinniu Loan undergo an internal change from the former to the latter before 65438+1October 29th?
Looking back at the shareholders of Jin Lu (Shenzhen) and Shenzhen Jin Lu, we can see that the superior shareholder of Jin Lu (Shenzhen) is lufax (Shanghai) Technology Service Co., Ltd., and its shareholder is Wincon Hong Kong Investment Co., Ltd., a foreign-funded company, which may be the main body of lufax's subsequent listing. However, the shareholder of Shenzhen Jin Lu is ultimately Ping An Group, and there is no lufax Company among the multi-level shareholders.
From this point of view, the shareholder change of Qianjinfu 65438+1October 29th is to move Qianjinfu out of lufax from the industrial and commercial equity relationship. This move may be to avoid increasing the difficulty of listing lufax, or it may have a deeper meaning.
Source of data: enterprise inspection
Source of data: enterprise inspection
However, Qianhai Jinniu Loan is actually owned by lufax, and the company official website also said that the actual controller is lufax Holdings Limited (Cayman). Qianhai Jinniu Loan, the sole shareholder of Shenzhen Jin Lu is Li Renjie, and Li Renjie is also the legal person of lufax (Shanghai) Technology Service Co., Ltd.
At the same time, Xu Hongtu, supervisor of Qianhai Jinniu Loan, is also a supervisor of lufax (Shanghai) Technology Service Co., Ltd. ..
The online loan house also asked an insider in lufax, who also claimed that Qianjinfu is another P2P platform owned by lufax.
Qianjinfu's current model is almost to clone Jin Lu clothing, and the transaction is not big
Judging from the time in changes in equity, 20 17, 1 1, Qianjinfu was included in the Ping An system, and the business began to exert its strength.
Qian Jinfu and Jin Lu have the same homepage settings.
Qian Jinfu and Jin Lu have the same settings on the information disclosure page.
Qianjinfu's website and product settings are exactly the same as those in Jin Lu. However, at present, lufax and Jin Lu's official website homepages can jump to each other, but Qian Jinfu can't.
An investor of Jin Lu Service told the online loan home that accounts with Jin Lu service can log in to Qianjinfu, as if investment vouchers with Jin Lu service can also be used in Qianjinfu, indicating that the account system is open. Both products are basically the same.
Qianjinfu's product Zhixiang-An e+ has a term of 36 months and an expected annual yield of 8.4%, which is deposited by Ping An Bank and underwritten by Ping An Property Insurance.
The product settings of Huiying-An e+ in Jin Lu are the same as those in Jin Fu before.
In addition, Qianjinfu's customer service hotline (400-866-66 18) has the same extension number as Jin Lu (400-866-66 18).
What's the difference between the two platform products? The online loan home called Qianjinfu customer service, and the customer service said that the two products are not much different, but they belong to two platforms.
Official website, a former financial services company, only disclosed the operating statements for 20 17,1,12 months. In the month of 20 17, 1 1, the accumulated loan amount of Qianjinfu is only 65438+79 million yuan. The accumulated loans are 0.10.6 million. The cumulative number of lenders is 0.34 million, and the cumulative number of borrowers is 0.10.6 million.
2017,65438+February, the accumulated loan amount of Qianjinfu reached19.72 million yuan, which was 0 times higher than 165438+ 10. Accumulated loans 1.74 million, borrowers 1.74 million.
Because the completed projects of financial services will be hidden before, the online loan home only obtained data for a few days. According to the incomplete statistics of the online loan house, from May 20 18 to May 20 18/4, Qianjinfu issued 19 bids, with a total turnover of 2.065 million yuan. More complete data is not clear.
In the same period, the scale of Jin Lu clothing was obviously much larger, with 7094 bids, and the accumulated turnover was about 874 million yuan.
According to the financial report of 20 17 disclosed by Qianjinfu, the operating income of Qianhai Jinniu Loan in 20 17 was 58120,000 yuan and the net profit was 38.86 million yuan.
On the other hand, Jin Lu Service's revenue in 20 17 was 3.82 billion, much higher than Qianjinfu, but its net profit was only 6.426 million.
Both financial reporting audit institutions are PricewaterhouseCoopers Zhongtian Certified Public Accountants.
Relying on Shenzhen's innovative advantages, Ping An's dual P2P strategy started.
Qianjinfu official website shows that Pan Biao is the executive director and general manager of the company. At the same time, lufax official website shows that Pan Biao is also the deputy general manager and chief marketing officer of lufax.
Before joining lufax, Pan Biao was the vice president of website operation and sales of Store 1, responsible for the website operation and marketing of Store 1; Prior to this, he served as the vice president of Tencent e-commerce-Yixun.com, responsible for the construction and management of the operation center in Yixun.com. According to the ranking of management teams disclosed by lufax official website, Pan Biao is behind, Huang, Mao and Zheng Xigui.
In terms of specific employees, official website, the former financial services company, disclosed 70 regular employees, while Jin Lu Service Company disclosed employees 133.
Regarding why Ping An should build a dual P2P strategy and how to position the two platforms in the future, the online loan home interviewed lufax, and lufax responded: "Qian Jinfu is an independent operating entity with an independent legal person, and will rely on Shenzhen's innovative advantages to focus on innovative business in the future."
According to industry analysis, lufax launched a dual P2P strategy, but it was so low-key, and several possibilities were not ruled out. First, optimistic about the online loan information intermediary industry, the layout of the two platforms is conducive to internal competition. However, at present, the business difference between Qianjinfu and Jin Lu is not obvious, and the model is still being explored, so it is temporarily low-key. Second, Jin Lu Service and lufax are both in Shanghai, and Ping An's headquarters is in Shenzhen. In terms of filing and market opportunities, both places can try and seize the opportunity.