According to industry speculation, there are probably two possibilities, one is violent collection, and the other is that the data crawler business illegally obtains user information. With big data risk control, the transformation of "helping loans" has achieved remarkable results. On July 13th, 218, 51 Credit Card was listed on the Hong Kong Stock Exchange in the context of the continuous deepening of P2P online loan risk rectification.
before the listing of 51 credit card, 51 credit card was favored by venture capital institutions. Judging from its financing history, in November, 212, 51 Credit Card received angel round financing led by Huaying Capital; In 213, it was financed by Huaying Capital, SIG and Qingliu Capital. In 214, the financing led by JD.COM and Xiaomi was completed; Complete the financing of the new lake treasure investment in 215; In 216, financing led by the new lake treasure and Tiantu Investment was completed.
According to the performance report of 51 Credit Card in the first half of 219, in the first half of this year, 51 Credit Card achieved revenue of RMB 1.4 billion, an increase of 9.8% over the same period of last year; The adjusted net profit was RMB 39 million, a year-on-year increase of 12.9%.
the main operator of 51 credit card is Hangzhou enniu network technology co., ltd. at the beginning, it mainly focused on the credit card bill management software "51 Credit Card Manager", and then launched products such as "51 Personality", "51 Personality Loan" and "Flowers for You", covering personal credit management services, credit card technology services, online credit matching and investment services.
to sum up the business model of 51 credit cards in one sentence, it is to acquire customers by credit card management tools and realize them. The way to realize it is to match loans, and lend funds from P2P and licensed financial institutions to credit card users and other customers. According to the data disclosed by official website, the online lending company with 51 credit cards as its personality had brokered 1.35 billion yuan in September, and the current lending users of the platform in September were 29,.
the accumulated loan balance is 1.7 billion yuan. The overdue rate of 51 personal loans for more than 9 days was 3.46%, showing a rising trend month by month. The cumulative number of credit cards under management reached 138.7 million, an increase of 16.9% over the same period last year. According to its semi-annual report, 51 Credit Card claims to have reached cooperative partnerships with more than 1 banks, consumer finance companies, trust companies and other financial institutions.
at the end of last year, after the relevant departments set the principle of withdrawal-oriented rectification, domestic P2P online lending institutions accelerated the transformation to "loan-assisting" institutions. The "mystery" of the rapid increase in the proportion of institutional funds lies in big data risk control. Credit card pointed out in the semi-annual report that its business is based on unique big data and independent risk control system.
summary; Regarding the investigation of the 51 credit card, a letter circulated on the Internet from a bank showed that "through our technical monitoring, it was found that your company crawled our information through a crawler program, but we did not sign the relevant written authorization, consent or acquiescence that your company obtained personal information from our system and business process.