Results express | ha silver gold elimination late last year total assets and loan balances are a small table

2022-05-30 0 By

Reporter Xie 奀 Guo intern reporter Feng Fengming reported that after joining the Internet gene, a number of performance indicators of Harbin Yin consumer finance in 2021 have achieved double-digit growth.Bank of Harbin recently released 2021 financial report data shows that by the end of 2021, Harbin Bank’s total consumer financial assets of 13.658 billion yuan, a year-on-year increase of 19.88%;The loan balance was 13.40 billion yuan, an increase of 2.443 billion yuan from the end of last year and a year-on-year increase of 23.05%.Its operating revenue is 960 million yuan.According to the financial report, during the reporting period, Harbin Bank consumer Finance based on the construction of Internet consumer finance platform, using cutting-edge technology to expand the national market, forming a “combination of online and offline, platform and self-operation linkage” business development model.However, the reporter noticed that according to the official disclosure of Harbin Bank consumer finance, by the end of June 2021, its total assets reached 13.88 billion yuan, an increase of 21.89% compared with the end of the previous year;The loan balance was 13.295 billion yuan, up 25.46% from the end of last year.However, by comparison, it was found that the asset expansion speed of Harbin Bank consumer Finance was not as fast as the first half of last year, and the total assets and loan balance at the end of last year even shrank slightly compared with the middle of the year.Why?Industry insiders pointed out that with the rapid growth of assets driven by online business, the capital side of HDB consumer finance may come under pressure and risk control will also face challenges.Reporters noted that Harbin Bank 2020, 2021 annual report did not disclose the bank’s consumer finance net profit data in that year.On the latest performance and other related issues, the reporter called Ha Yin consumer finance, and sent an interview letter to it.Relevant staff said that the interview letter will be fed back to the docking department, and later by specially-assigned person to reply to the interview matters.However, as of press, the reporter has not received a reply.Public information shows that Harbin Yin Consumer Finance Company was officially opened in April 2017, becoming the 19th licensed consumer finance company in China. Bank of Harbin is its main initiator and the first major shareholder, with an initial registered capital of 500 million yuan.Since its establishment, HANYin consumer finance has been relatively low-key in the industry and its performance growth rate is relatively flat.Since acquiring the support of Internet giant Baidu in 2019, Harbin Bank consumer Finance has begun to accelerate the online transformation, focusing on its own business and entering the stage of rapid business expansion.According to the data disclosed in the annual report of Harbin Bank, by the end of December 2020, the total amount of Harbin Bank’s consumer financial assets increased by 54.20% year on year to reach 11.393 billion yuan, the loan balance exceeded 11 billion yuan, and the total amount of loans issued was 86 billion yuan.By contrast, by the end of 2018, the loan balance of Harbin Bank consumer Finance was 7.034 billion yuan, and the accumulated loan investment was only 29.098 billion yuan.According to the latest 2021 annual report of Harbin Bank, by the end of 2021, the total amount of Harbin Bank’s consumer financial assets was 13.658 billion yuan, with a year-on-year growth of 19.88%.The loan balance was 13.40 billion yuan, up 23.05% year on year, maintaining a double-digit growth rate.However, the reporter noticed that according to the official disclosure of Harbin Bank consumer finance, by the end of June 2021, its total assets reached 13.887 billion yuan, an increase of 21.89% compared with the end of the previous year;The loan balance was 13.295 billion yuan, up 25.46% from the end of last year.By comparison, it can be found that the asset expansion speed of Harbin Bank consumer finance last year was not as fast as the first half of the year, and the total assets and loan balance at the end of last year even shrank slightly compared with the end of the first half of the year.This may be related to the capital consumption caused by the rapid expansion of asset scale.At present, consumer finance companies mainly rely on shareholders to increase capital, borrow from financial institutions, inter-bank lending, credit asset securitization, financial bonds and syndicated loans.In terms of shareholder capital increase, Since its establishment, Ha Yin consumer finance has carried out two capital increases.Most recently, in May 2019, the company’s registered capital increased to 1.5 billion yuan, with Duxiaoman Finance becoming its second largest shareholder with a 30 percent stake.In terms of external financing tools, it is reported that In November 2020, Harbin Bank Consumer Finance conducted its first online inter-bank lending business.At present, Ha Yin consumer Finance has not obtained the qualification to issue ABS temporarily.In order to timely “supplement blood”, last year, Harbin Yin consumer finance also opened up new financing channels.On November 1, 2021, Harbin Bank Consumer Finance Company’s request for issuing financial bonds obtained regulatory approval, and The Heilongjiang Regulatory Bureau of CBRC approved its public issuance of financial bonds with a total scale of no more than 2 billion yuan and a maturity of no more than 3 years in the national inter-bank bond market.In the annual report of Harbin Bank, the rapid growth of many business indicators of Harbin Bank consumer finance is attributed to the expansion of the company’s online business.According to the annual report, in the past year, Harbin Bank consumer Finance based on the construction of Internet consumer finance platform, using cutting-edge technology to expand the national market.The reporter noted that before, Harbin Yin consumer finance focuses on the layout of offline regional market, in Beijing, Shenzhen, Chengdu and other places to establish a direct sales team.In recent years, Harbin Bank has made great changes in consumer finance business, and the trend of online transformation is obvious.According to the financial report, The consumer finance of Harbin Bank gives full play to “the resource advantages of shareholders in leading fintech and enriching business scenarios”, and targets its main customers as young and progressive, with consumer credit needs, relatively stable jobs and certain solvency.And the future has a certain growth and development of the young customer group and has a certain consumption capacity and profitability of small and micro owners, small business owners.In 2021, the company’s online self-supporting consumer loan product system will be basically established.In February 2021, HANYin Consumer Finance released the brand upgrade announcement of ITS revolving loan product, U Xiangdai, which was upgraded to HA Ha Dai and promoted to users.Data show that ha Ha dai is a pure online credit loan product, the maximum limit of 200,000 yuan, the longest term of 24, comprehensive annual interest rate from 10.8%.In August 2021, Harbin Yin Consumer Finance updated and launched a new client APP “Harbin Yin Eliminating Gold”.It is reported that at present, the layout of H5 and other proprietary products has been basically formed.The online transformation of Harbin Bank consumer finance also faces many risks and challenges.Previously, a person in the consumer finance department of Harbin Bank said that in 2020, the company and its partners’ business was hit by thunderstorms, resulting in huge losses, which “may reach hundreds of millions of levels”.Reporters noted that Harbin Bank 2020, 2021 annual report did not disclose the bank’s consumer finance net profit data in that year.In terms of improving risk control, new shareholder Baidu’s advantage in Internet technology may help Harbin Bank consumer Finance.According to the financial report, The risk management ability of Harbin Bank consumer finance is improving.It is embodied in the continuous building of the “Star” risk control system based on big data, artificial intelligence and other digital technologies to promote the refinement and intelligence of business.From the performance index data changes, the previous Harbin Bank financial report showed that in 2020, the non-performing loan ratio of Harbin Bank consumer finance was less than 2%.The company’s delinquency rate was less than 1.8% as of the end of 2021, according to the official weibo account of Harbin Bank consumer Finance.It is worth noting that the online business transformation also puts forward higher requirements for the service capability of Harbin Bank consumer finance.According to official disclosure, The online cooperation platforms of Harbin Bank consumer finance include Duxiaoman Finance, JINGdong Finance, Tencent, 360 Finance, Meituan and so on.The above channels provide abundant flow for Harbin Bank consumer finance, but also bring a lot of financial consumption disputes.According to the data disclosed by The Heilongjiang Banking and Insurance Regulatory Bureau, the number of consumer complaints of Harbin Bank consumer Finance has grown rapidly in recent years.In 2020, Heilongjiang Banking and Insurance Regulatory Bureau and its regional branches received a total of 37 consumer complaints related to Harbin Bank consumer finance.In the first half of 2021, the company received 44 consumer complaints, more than the whole of 2020.In 2021, the number of consumer complaints further increased to 163 cases, an increase of 340.54%.How does the company plan to deal with challenges such as consumer complaints in the transition period?The reporter sent an interview letter to HANYin Consumer Finance on relevant issues, but has not received a reply as of press time.This article is originally produced by Dongjian Finance, a new media subsidiary of Ganshang magazine, please do not reprint without permission.Call for tips: 13257094128.