The giant aimed at finance, and the fast hand finally got on the car?
Another short video giant is fast, and also obtained a small loan license.
On March 21, the Guangzhou Local Financial Administration issued a approval of Guangzhou Huanju Microfinance Co., Ltd. (YY’s online small loan company) to change equity shareholders and charter. Guangzhou Huaduo Network Technology Co., Ltd. will hold GuangzhouThe 100%equity of the 100%equity of Huanju Micro Loan Co., Ltd. was transferred to Beijing Yunguan Technology Co., Ltd.
After the transfer, Beijing Yunding Technology Co., Ltd. holds 100%equity of Guangzhou Huanju Micro Loan Co., Ltd., becoming the main issuer of Guangzhou Huanju Microfinance Co., Ltd., and Beijing Yunting Technology Co., Ltd. is a Kuaishou affiliated company.
According to the company’s investigation, the controlling shareholder of Beijing Yunding Technology Co., Ltd. is Beijing Dajia Connected Information Technology Co., Ltd., and the latter’s legal representative is Yang Yuanxi, the founder of Kuaishou.Kuaishou is the brand of Beijing Dajia Connected Information Technology Co., Ltd..
In fact, public information shows that as early as 2017, when the Internet small loan was prosperous, Beijing Dajia Internet Information Technology Co., Ltd. (hereinafter referred to as “Dajia Interconnection”), CEO Cheng Yixiao, applied for “Old Iron Old Iron””Financial” trademark involves services such as electronic transfer, credit card payment processing, financial information, financial evaluation, financial loan and other services.
Since 2020, Kuaishou has successively applied for trademarks such as “Old Iron Pay”, “Old Iron E -commerce” and “Old Iron Strict Selection”, involving services such as online banking, insurance information, financial management, and credit card payment acceptance.When Kuaishou went public in Hong Kong that year, it was revealed in the prospectus that he planned to acquire a payment company with a capital of 850 million yuan.
However, since then, Kuaishou has not obtained a small loan license. In addition, it has insufficient experience, and Kuaishou has only involved the diversion business in the financial field.Among the borrowing products that are launched on the fast hand, Kuaishou is responsible for obtaining customers. Users submit identity information, contact information, supplementary information (occupations, monthly income) for applying for loans. Financial institutions carry out credit control and provide loan services.
In this diversion mode, Kuaishou is only used as a loan information display service platform. It plays the role of information technology service. Loan products are independently operated by loan service providers. Kuaishou does not participate in the actual operation of loan products or services.Because it does not involve risk control and lending, the borrowing business of Kuaishou is still a diversion model.
In March last year, the news that it was reported that the news was about to set up a small loan license to the online small loan license. “
As a domestic short video platform, Kuaishou has certain advantages in traffic and scenes.Wang Jianwei, senior vice president of Kuaishou and the person in charge of the commercialization business, mentioned that as high as 160 million users who read financial and economic content on the APP, its financial advertising conversion rate is 19 times that of ordinary users, but only 12%of them are distributedFinancial -related business advertisements and content.
Industry insiders believe that this time to get a small loan license license will change the fast -handed financial business at the level of aid.In the opinion of Wang Pengbo, chief analyst of consulting the financial industry, Kuaishou could conduct diversion for third -party financial institutions. Now, after getting a license to a small loan, Kuaishou can engage in loan business within a certain range.
It is reported that on the signature platform, Kuaishou has put in many financial fields. Among them, risk control, investment and financing, engineers, etc. are involved in front, middle and background businesses.
Earlier, large Internet factories such as Ali, Tencent, Baidu, Meituan, JD.com rushed to loan business.Take ants as an example. According to the interface news, ants that undertake the two major consumer credit business of Huayan and Borrowing have a net profit of 841 million yuan in 2022; the net profit in the first half of 2023 was about 1.28 billion yuan, an increase of about 175 year -on -year increases of about 175%.
It may be the main source of attraction of the small loan business in the small loan business.
