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維信金科2019年營收38.64億 註冊用户增40.4%至8380萬
格隆匯 03-23 23:26

2020年3月23日,維信金科控股有限公司(2003.HK,下文稱"維信金科"或"公司")發佈2019年度業績報告。

財報顯示,2019年全年,維信金科錄得總收入38.64億元,同比增長41.2%;淨利潤6479萬元,全年扭虧為盈;經調整後淨利潤為3.68億元,同比增長24.5%。

維信金科表示,公司營收穩定增長的一個重要原因為2019年成功轉型純線上消費金融平台,通過自有線上業務平台繼續滿足大致上相同的借款人羣體的需求,且線上業務的經營成本遠低於線上至線下業務。

在轉型完成後,維信金科專注於線上業務,完善核心技術,提升產品用户體驗,提高運營效率。線上產品服務生態的完善也使得各資金模式間的配比更加平衡,全年新註冊用户增長達40.4%,累計註冊用户達到8380萬人,擴大了品牌認可和市場份額。

在2019年,公司新增貸款交易數量383.3萬人次,同比增長71.7%;新增信貸規模337.46億元,同比增長62.6%;截至年末未償還貸款餘額191.38億元,同比增長38.7%。

2019年公司的消費金融服務生態持續擴展,依託高度自動化及智能化的風險管理系統、業務系統,與具實力的持牌金融機構合作,並積極開拓優質的場景資產,在這兩大方面佈局提升公司長遠的盈利能力。

維信金科場景端業務漸入佳境,與中國電信的合作擴展深化,2019年,成功向中國超過230個城市的150多萬中國電信客户提供手機購買分期服務。公司與中國電信合作貸款實現量為8.73億元人民幣。2019年12月,公司與中國移動重新推出合作產品,並且引入外貿信託作為合作產品的資金夥伴。

維信金科還披露與百度開展聯合建模和大數據合作,建立聯合評分卡,並探索商業化輸出的可能性。

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