Weizhong Bank is an Internet bank. As the name implies, the Internet has no offline business hall and team, and its business is mainly conducted on the Internet.
However, finance is special. In addition to large-scale corporate loans or credit loans, small-scale supervision also needs scenarios and scenario-based financial technology. This is a new word after 17, and small loans on the Internet are indispensable.
Therefore, Weizhong handed over the heavy responsibility of offline contact with customers to various partners, and made a big profit through big data risk control lending behind the scenes. Moreover, compared with traditional financial enterprises, internet enterprises have to be more wild and get rich faster.
This money is really earned. As can be seen from the annual report, the business scale and profits are rising steadily.
On May 8, 2020, Weizhong Bank recently released its 20 19 annual report. The annual report shows that Weizhong Bank's revenue in 20 17, 20 18 and 20 19 was 6.748 billion yuan, 10029 million yuan and 65438 respectively. The net profit was 65.438+0.448 billion yuan, 2.474 billion yuan and 3.95 billion yuan respectively.
But by 2020, the profit situation will not be certain, because Weizhong Bank has also begun to thunder.
The recent thunder is called eggshell, that is, on the issue of eggshell rental loans, the micro-public is frequently accused and losing ground.
At first, when the eggshell thundered, everyone said it could be postponed for three months. A few days later, he said that he could postpone it for three years. Finally, I can't return it.
Some media said that this is a measure taken by Weizhong out of social responsibility. Well, as long as he takes over, we choose to believe.
The tenant transferred the creditor's right with the eggshell to Wei Zhong to pay off the debt, and then Wei Zhong went to find the eggshell. Judging from the current situation of eggshells, it is very likely to be bad debts.
When the eggshell thundered, it was said that it owed 9 billion rent. Some insiders estimate that 65% (90% in its heyday) used rent loans, so our statistics are 60%, and there are also 5.4 billion. How much can be recovered in the end is still unknown, because the high crystal of eggshell can't even cheat 600 million state-owned assets, and it has already gone in.
Lenders are most afraid of bad debts, because a bad debt may properly cover up a year's profit.
Next, the risk control of Weizhong should be prayed every day, and it is free, because many free loans are also released by Weizhong. As for whether other parents have rented apartments, I don't know yet.
But Weizhong likes to get quality customers in bulk. After all, young people with formal education and relatively stable jobs are high-quality leeks that banks must grab. If trained, they can chop for life.
Many people question Weizhong's risk control and think that eggshells are still in place. In fact, Weizhong thinks that tenants can afford it anyway. After all, the rent is relatively small, and neither the tenant himself nor his family will let himself be on the credit list, which will affect his future employment.
The eggshell is just a scene. I never thought that this scene would arouse public anger and be a bad thing.
As for why the online merchant bank of eggshell shareholder Ant Financial Services doesn't lend money, it is also suspicious to give this fat difference to the public. What does Ma Yun expect?
If you just step on this thunder, it's nothing to the rich. The problem is that they stepped on other mines.
2065438+June 2009, Murray Auto Finance suddenly broke out. It's not that the car loan was not put in place, but the boss put in a cash loan, but as soon as the boss and senior executives went in, the company stopped, and then a large number of employees were laid off, and then CreditEase took over, and so did CreditEase's stall.
The bad debts in the car loan industry are not low, and even the small loans of American listed companies can't help but quit.
In terms of car loans, Weizhong is not only the Murray family, but also the famous Xinyou and Yixin.
Although these two companies are still alive, with the gradual improvement of collection laws and regulations and the effective promotion of the work of eliminating evils, there are no trailers in many places, and the overdue and bad debt rates are also rising.
The important financial partners of these two companies are also small and have been scolded a lot.
Recently, I sent a short article on Media First consumer finance, and many people in the industry know who it is.
In addition to personal loans, Weizhong's corporate loans and Wechat business loans are not small, and many channels and loan intermediaries have been found to push them. Anyway, a unique QR code is given in the background, and the commission is calculated directly after release, which is simple and easy to operate.
In the first half of this year, many media and channels took over this task, and the loan intermediaries in the circle of friends kept forwarding. However, it stopped recently, and the micro-loan itself made an announcement, which is very likely.
According to the initial forecast, Weizhong Bank also plans to go public in IPO this year. Although the ant thing came out, they also died. However, because the expansion path is relatively wild, it is time to return it after several years of mixing.