迎多重挑戰 維信金科(02003.HK)中期營收12.04億元 註冊用户超9000萬
8月18日盤後，港股上市金融科技平台維信金科控股有限公司(2003.HK，下文稱維信金科或公司)公佈2020年中期財務報告。截至6月30日，維信金科錄得總收入12.04億元人民幣，同比下降35.3%；經調整淨虧損10.42億元人民幣，上半年由盈轉虧。
在7月初，維信金科已發佈盈利警告，稱公司2020年上半年可能因為疫情影響發生虧損，預期期間淨虧損在8.9億元至10.9億元之間，經調整淨虧損在8.5億元至10.5億元之間。
事實上，2020年上半年，在線消費金融服務面臨多重挑戰。在疫情的衝擊下，消費金融業務量在消費需求受抑制等因素影響下降低，存量消費金融業務也因疫情期間失業率上升、小微資金鍊難以為繼、復工復產不完全等因素，出現逾期率有所提高的問題。同時，行業的強監管依然持續，P2P退潮對資產端的影響也未完全消弭。
根據已發佈2020財年相關財務報告的上市企業數據來看，整個行業都受到了極大的衝擊。趣店2020年一季度營業收入同比下降54.3%至9.58億元，淨虧損為4.87億元；嘉銀金科一季度貸款量減半，淨利同比大降84%；51信用卡預計2020上半年虧損3.5億至7.5億元等等。
維信金科表示盈利大幅變動的主要原因是由於疫情影響，公司貸款組合公允價值損失增加及還款拖欠率增加。維信金科是極少的嚴格使用貸款公允價值計量貸款減值風險的上市金融科技企業。期內，維信金科貸款組合公允價值損失大幅增加就是對疫情帶來的宏觀經濟發展不確定性的一種風險預提，是公司對可能造成的資產影響所預留的風險準備。
維信金科中報還顯示，儘管資產質量在第一季度出現惡化，但通過定向風險控制措施，公司資產質量已逐漸得到改善並恢復到了COVID-19疫情爆發之前的水平。根據數據，維信金科二季度首次付款逾期率已經下降至0.8%，公司預計，下半年的首次付款逾期率將維持在約0.8%的優異水平。
上半年，為應對疫情衝擊，維信金科積極改善獲客算法，優化營銷渠道，擴展機構合作，業務保持穩定。根據財報，維信金科消費金融服務生態系統持續擴張，目前合作持牌金融機構已經擴展至64家；上半年新增信貸規模133.13億元，同比微降7.56%，累計註冊用户突破9000萬人。
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