With the arrival of 2020, Haier refrigerator is used at home. The first batch of people who watched Haier Brothers cartoons grow up after 90 years are already in their 30 s, which is called middle age.

Haier group, a well-known electrical appliance enterprise, was established on February 26th, 1984, and just celebrated its 35th birthday. At the same time, Haier's financial business layout has also entered 19 years.

2001July 17, Qingdao Central Sub-branch of China People's Bank approved Qingdao Haier to invest in Qingdao Bank, and Haier officially set foot in financial business. According to the third quarterly report of Qingdao Bank in 20 19, as of the end of September 20 19, the three subsidiaries of Haier Group also held a total of 17. 15% of its common stock.

On 20 14, Harkin Holdings obtained a business license to integrate the financial enterprises under Haier Group. Haier Group has planned it as "the pillar industry for Haier Group to implement network strategy", thus laying the foundation for the overall financial situation of Haier's 100 billion assets. ?

According to official data, at present, Harkin Holdings has involved the layout of 9 financial institutions, 5 investment institutions and 2 insurance companies, and has more than 70 financial license resources. It mainly involves subsidiaries such as finance companies, consumer finance, financial leasing, financial factoring, micro-loans and third-party payment. ? According to reports, during the integration of 20 14, Ha Jinkong also established a new financial enterprise.

Haier's three entities involved in online consumer finance, namely, Internet small loan company Haier Yundai, licensed consumer finance company Haier Consumer Finance (hereinafter referred to as Haier Consumer Finance) and P2P platform Hairongyi, were established on 20 14. ? All three companies were based on "industry" at the earliest. Haier cloud loan and Hairongyi platform mainly focus on B-end customers, Hairongyi's business mainly focuses on supply chain finance, and the borrower is positioned as a supplier, distributor, user and logistics provider, while Haier Xiaojin is positioned as a licensed institution combining production, finance and industry.

Haier cloud loan: one of the four core enterprises of financial control? The full name of Haier Cloud Loan is Chongqing Haier Microfinance Co., Ltd., which is currently wholly-owned by Chongqing Haier Cloud Chain Technology Co., Ltd. After two times of external financing and capital increase, Haier Group currently holds 79.94% of the shares of Haier Cloud Chain and is one of the four core enterprises of Harkin Holdings.

According to previous reports, Haier Cloud Loan first focused on industrial finance, then extended to small and micro enterprises, and then extended to C-end scenario consumer finance. In terms of loan types of 20 18, mortgage loans account for the highest proportion.

Haier Cloud Loan's self-operated loan App is called Haiyi Loan, and its products include household consumption loan, centralized market loan, Ye Hui loan, Wanlian Pratt & Whitney loan and Lin Run car dealer loan, among which the number of applicants for household consumption loan is the largest.

In addition, Haier Small Loan also laid out auto financing leasing, house mortgage and medical beauty scenes. By establishing subsidiaries and investing. For example, Haier Cloud Loan indirectly holds the shares of Mimo Jin Fu, a medical beauty staging giant, and jointly established an education staging platform with Mimo Jin Fu in April 20 18. Chongqing Haika Technology, which is wholly owned, has the Spicy Time Loan App.

According to incomplete statistics, Haier Cloud Loan has also reached loan cooperation with a number of mutual gold platforms, such as 5 1 provident fund, Flash Bank, Expectation Technology and so on.

By the end of 20 16, the balance of Haier's cloud loan had reached 5.5 billion yuan. In 20 17 years, the amount of Haier's small loans was181290,000 yuan, the loan balance was 82150,000 yuan, the total operating income was 756 million yuan, and the net profit was1280,000 yuan, accounting for 6.75% of the financial control.

By the end of 20 18, the balance of Haier's cloud loans was 7.333 billion yuan, down 10.73% from the end of last year. The decline in loans is related to strong financial supervision and reducing leverage.

On the basis of a decrease of 65,438+00.73% in the loan balance, the total operating income and net profit of Haier Cloud Loan increased by 65,438+008.55% and 32.48% respectively over the previous year, reaching 206,5438+0576 million yuan.

According to recent reports, as of June of 20 19, 1 1, the balance of Haier's cloud loans was 9.9 billion yuan, an increase of 35% compared with the end of 20 18. As can be seen from the data, Haier's cloud loan is recovering or even accelerating. It is conceivable that the revenue and income of Haier Cloud Loan will maintain strong growth.

Haier Consumer Finance: Accelerating the Catch-up of Haier Cloud Loan

February 20 14, Haier Xiaojin was established. Haier Group and Haier Group Finance Co., Ltd. hold 30% and 19% shares of Haier Xiaojin, respectively, with a total shareholding of 49%.

Haier Xiaojin received strong support from Haier Group. Relying on the background of home appliance group, Haier's consumer finance opened up the consumer market with zero purchase of home appliances in the early days, and also borrowed from Haier Finance Company many times.

Haier's previous high-starting business can be described as "tepid". In 20 16, Haier's net profit was 43 million yuan, and in 20 17, it was 47 million yuan, which was not only behind other consumer companies that opened in the same period, but also behind Haier Cloud Loan. ? Shareholders' financial reports show that in 20 18, Haier Xiaojin achieved operating income of10.49 million yuan and net profit of10.68 million yuan, ranking seventh in the profit scale of licensed Xiaojin Company. However, according to other news, Haier Xiaojin once announced that the total profit in 20 18 reached 2 10/00000 yuan. According to the latter calculation, Haier Xiaojin ranked sixth in profit performance and surpassed Haier Cloud Loan. ? In the first half of 20 19, Haier Xiaojin's operating income was 678 million yuan and its net profit was 654.38+28 million yuan, up by 1 10.34% year-on-year, ranking sixth.

The rapid development of performance may be related to the gradual popularity of consumer finance market and the emergence of license value.

From the business point of view, it may also be related to the development of cash loan business. According to previous reports, Haier Xiaojin started his business in stages, and started his business in scenes with rich shareholder resources such as home, home appliances and home improvement. It also expanded external scenes such as education, medical beauty, travel, renting, insurance, etc., and then gradually expanded to cash loan business in the later period.

2065438+In August 2007, Haier Consumer Finance launched a special cash loan App. 2065438+It was reported in August 2008 that Haier's cash loan business accounted for about 60%, which was higher than that of scenario finance.

Rapid development will inevitably bring some problems. Many consumer companies cooperate with lending institutions, and Haier consumption is no exception, but Haier consumption also frequently "steps on thunder". According to previous reports, Haier Xiaojinfu has reached strategic cooperation with CMA Holdings and Ai Cai Group to provide personal consumer credit services. Recently, the founder of Ai Cai Group surrendered himself, and its Hangzhou Xinbu Asset Management Co., Ltd. was put on file for investigation. CMA announced the liquidation transformation of P2P, but most lenders were worried and the situation was not optimistic.

In addition, in August this year, the loan platform Qian Qian. Com was exposed by the media for being involved in black and evil. According to network information, Haier Xiaojin is also one of the investors in Qian Qian. There are also borrowers who claim to have paid off their debts but are told by Haier Xiaojin that they still have debts, which may be related to Haiqian.com's account being frozen and the money not being transferred to Haier Xiaojin's account.

H: If the loan balance is less than 400 million, it will be recovered gradually.

From the beginning of wading in P2P, Haier has a clear-cut stand and a firm attitude, and has not concealed the company background and platform promotion. From the registration information of Hairongyi Company to the introduction of the platform, it is clearly stated that it is Haier Holding Company.

Haier is a very credible endorsement. It can be seen from relevant media reports that before the adjustment period of P2P industry, the turnover of Hairongyi maintained a rapid growth. From 2065438 to June 2005, the transaction volume of Hairongyi was 550 million yuan; 20 15 1 1 month, and the transaction volume has exceeded 2.6 billion yuan; 20 16 1 1 month, and the transaction volume exceeded 20 billion yuan; 20 18 years 10 months, the transaction volume exceeded 50 billion yuan.

Judging from the matching transaction amount, as of February 3, 20 19, the matching transaction amount of Hairong Easy reached 24.47 billion yuan, and the average annual matching transaction amount also exceeded 4 billion yuan.

However, with the retreat becoming the main theme of P2P online lending, in June, 5438+065438+ 10, Shandong Local Financial Supervision Administration issued a "peer-to-peer lending industry risk warning letter", pointing out that at present, the P2P online lending industry is undergoing special risk rectification, so far no platform has passed the acceptance in full compliance, and all P2P online lending businesses that have not passed the acceptance will be banned in the future.

According to information from official website, as of press time, Hairongyi's last bid was 65,438+February 26th, and the scale to be received at present is 340 million yuan. According to statistics, Hairongyi plans to raise 5.35 yuan in August, 497 million yuan in September, 654.38+429 million yuan in1October and1654.38+367 million yuan in1October. The scale to be collected is gradually decreasing. The prospect of Hai Rongyi is not clear, and it may be transformed and withdrawn.

In addition, Wang Wei, founder and president of Hairongyi, is the major shareholder of Shanghai Lezhuan Industry and Trade Partnership, which is the second largest shareholder of Qingdao Lekaihua Network Technology Co., Ltd., and the major shareholder of Qingdao Lekaihua is Ha Jinkong, which owns cash loan products.

A screenshot provided by a user shows that he is willing to spend money to borrow money. The postscript of the fund is "withdrawal from customers of Hairongyi", and the other party's account is Hengfeng merchant, which is consistent with Hairongyi Depository Bank. Therefore, it can basically be confirmed that he is willing to spend money to make a loan product of Hairongyi. Le Yihua was complained a lot because of tying accident insurance and soft violence collection. Enterprise survey shows that Leyihua Company is not operating normally at present. According to the report of 5438+065438+ 10, Leyihua has suspended lending.

Haier Xiaojin and Haier Cloud Loan maintained rapid growth and gradually leveled the gap, while Hairongyi data gradually declined and cash loan products were suspended, which further highlighted the importance of licensed operation.

Judging from the growth rate of the former two, it is not known who will win. However, from the business point of view, the two overlap in consumer finance business, but they are different in general, and perhaps they can achieve "their own wonderful" in the field of consumer finance.