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《大行报告》杰富瑞:内地金融平台企业「好日子」已过 料蚂蚁及腾讯等需成立金控公司
阿思达克 04-30 16:12
杰富瑞发表报告表示,继约谈蚂蚁集团之後,就人民银行等金融管理部门联合对13家从事金融业务的主要网络平台企业进行监管约谈。腾讯(00700.HK)、百度(09888.HK)(BIDU.US)旗下度小满金融、京东(09618.HK)旗下京东金融、字节跳动、美团(03690.HK)旗下美团金融、滴滴金融、陆金所(LU.US)、小米(01810.HK)旗下天星数科、360金融(QFIN.US)旗下360数科、新浪金融、苏宁易购(002024.SZ)旗下苏宁金融、国美(00493.HK)旗下国美金融、携程(09961.HK)(TCOM.US)旗下携程金融等13家网络平台企业实际控制人或代表参加了约谈,并遭提出若干大整改要求。

该行认为,内地二线金融平台业务增长将会放缓,因料会延迟发出相关牌照,部份流动应用程式的功能须下架,估计盈利毛利率会下降。杰富瑞指内地金融科技平台行业的好日子已经过去,过去六个月快速增长已告一段落。

杰富瑞料蚂蚁集团、腾讯及其他相关公司将需要成立金融控股公司(FHC),需要更多资本要求及监管条件的许可。该行估计相关金融平台企业要符合监管规定,这些金融科技平台的大多数贷款处於共同贷款模式,相信在此方式进行上市将更困难。

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