首页 微贷网(usWEI)-基本信息

微贷网(usWEI)-基本信息

日报更新时间:

周报更新时间:04-11 03:39

行情信息

今开价:1.08

最高价:1.1

成交量:435821.0

昨收价:1.1

最低价:1.03

最新价:1.05

行情图标
概要信息

中文名称:微贷网


英文名称:Weidai Ltd.


简介:微贷网有限公司于2011年7月8日上线运营。作为国内“互联网+汽车金融”的先行者,微贷网打造了车贷垂直市场的标准化发展模式,为中小微企业与个人用户提供一站式金融服务


电话:86-571-56979228,86-571-58123844


最新量化综合结论
百科信息
  • 相关网站
  • 百科
  • 持股信息
  • 领导人信息
  • 股东信息

微贷网2011年7月成立于杭州,从事以汽车抵押借贷为主的P2P业务,还是中国首家创新汽车抵押模式的公司。在P2P众多业务种类中,车贷业务的地位一直不容小觑,而按照2015—2017年每年的贷款量计算,微贷网是目前中国市场上最大的汽车支持融资解决方案提供商。在网贷行业中,车贷业务一直以来因流动性高、小额分散、风险可控的优势受到市场关注。车贷指的是有资金需求的人,将自己所拥有的车辆通过网贷平台进行抵押或者质押,最终获取资金的业务。也就是说,贷款人主要是拿着车辆找有空闲资金的人进行借钱。7年前,微贷网作为“互联网+汽车金融”试水者,率先打造车贷垂直市场的标准化发展路径,为中小微企业与个人用户提供一站式金融服务。起初,微贷网主要业务包括专业信贷和消费贷款。但从2017年第四季度起,微贷网表示将不再向新借款人提供某类消费贷款和汽车融资贷款。业务方向调整与P2P行业市场大环境不无关系,但相比很多正遭受刚性兑付甚至跑路的企业,微贷网带给资本市场的数据漂亮得多。据了解,上市前微贷网曾获得多轮融资。2014年6月完成宇佑集团和盛大资本1亿元A轮投资,同年12月份完成浙商创投A+轮融资;2015年9月获得汉鼎股份的1.5亿元B轮融资,同年10月获得了国盛金控、浙商创投的战略投资;2016年10月获嘉御基金领投、中信建投(8.800, 0.07, 0.80%)跟投的10亿元C轮融资。经过多轮融资后,公司创始人及首席执行官姚宏持股比例为53.6%,微贷网所有董事和高管总持股比例为56.1%,深证上市公司汉鼎宇佑集团旗下的全资子公司持股比例为15.2%。根据公开数据,姚宏的持股比例远远高于其他上市的互金企业的创始人。微贷网Weidai Ltd.(WEI)招股说明书: 数据显示,微贷网是国内交易规模最大的P2P车贷平台,2017年在车贷市场所占份额约为35%;微贷网2017年Non-GAAP净利润达到5.16亿元人民币,比2016年3.23亿增长60%;2018年Non-GAAP净利润达3.63亿元,继续保持增长。这一数字在互金领域中处于较高水平。 微贷网提供的汽车抵押贷款金额通常在3万元到20万元人民币之间,期限1到36个月,年利率在20%到36%之间。根据招股书,2018上半年,微贷网促成的汽车支持贷款的平均金额为6.18万元,平均期限为3个月。 据招股书行业分析报告显示,微贷在中国车贷行业处于龙头位置,市场份额占35%,遥遥领先第2名。截至2018年6月30日,微贷网的贷款余额达170.61亿元。 微贷网2017年的净营收为35.45亿元人民币,与2016年的17.6亿元相比增长101.3%。今年上半年,微贷网的净营收为18.8亿元人民币,与2017年同期的15.7亿元相比增长20.1%。但基于行业的现实情况,未来未必能保持这样的增长态势。 招股书披露,其主要收入来自于汽车抵押贷款业务。2016年、2017年、2018年上半年来自汽车抵押贷款的服务费分别为13.96亿元、25.30亿元、13.36亿元。从这个数据可以看出,微贷网仅仅今年上半年这项业务的服务费已经赶上了2016年全年的总额。 截至2018上半年,微贷网2015–2017年3个月逾期率保持在0.5%–0.7%之间,处在1%以下。据时代周报记者梳理,这一数字在上市的互金企业中并不算高,比如同在杭州的互金企业51信用卡(港股02051),其3个月逾期率在6%–12%。 值得一提的是,微贷网的复贷率较高,上半年成交的借款人中,55.7%为重复借款人。而截至2018上半年,微贷网2015-2017年M3逾期率保持在0.5%-0.7%之间。可以看出,平台正处于良性发展过程中。 值得关注的是,今年上半年,微贷网的业务规模整体呈现下滑态势,今年1月车贷业务成交量为65.15亿元,4月为40.65亿元,不过近两个月有回暖的趋势。 2017年1月,微贷网和厦门银行上线银行存管系统,银行存管系统上线后,平台与用户资产将完全隔离,用户的资金流转全部在厦门银行完成。2018年7月,随着厦门银行上线存管查询功能,用户可查询在微贷网平台上的充值、交易等记录。微贷网称,用户资金由银行专门管理,只有用户本人才能操作账户上的资金,从根本上杜绝了资金被挪用的风险。而且资金充值、提现记录一目了然,安全性更有保障。 招股书还提到,2017年和2018年前6个月,微贷网在线投资者的年平均净收益率分别为8.0%和7.6%。相比排名中等甚至尾部的平台,这样的收益率的确不算高,但在行业多事之秋,稳健性、安全性自然更重要。 微贷网线下门店目前已停止扩张,并将加盟店全部改为了直营模式。在过去几年,大规模开设线下门店曾是微贷网抢占市场的主要策略。数据显示,微贷已经在300多个城市中建立起了一个由517个服务中心组成的全国性网络。

机构持股
持有者 持有份额 持股比例 份额变化 变化率 报告日期
FMR Inc 520064 0.74% 14474 2.86% 2019-03-31
UBS Group AG 2074 -- -715 -25.64% 2019-03-31
Fidelity Institutional Asset Management 4385 0.01% 322 7.93% 2019-07-31
Morgan Stanley - Brokerage Accounts 4768 0.01% 1954 69.44% 2019-03-31
Morgan Stanley Smith Barney LLC 4768 0.01% 1954 69.44% 2019-03-31
Fidelity Investments Canada ULC 12039 0.02% -80 -0.66% 2019-07-31
FMR Co., Inc. (FMRC) 16600 0.02% -- -- 2019-07-31
Barings LLC 30000 0.04% 30000 -- 2019-03-31
Millennium Management LLC 45068 0.06% -1300 -2.80% 2019-03-31
Fidelity Management & Research Company 443619 0.63% 3918 0.89% 2019-07-31
Fidelity Management and Research Company 520064 0.74% 14474 2.86% 2019-03-31
Pyramis Global Advisors, LLC CAN 105 -- -4 -3.67% 2019-07-31
共同基金持股
持有者 持有份额 持股比例 份额变化 变化率 报告日期
Fidelity Bal Inc Ccy Netrl Priv Pool 411 -- -21 -4.86% 2019-05-31
Fidelity Balanced Ccy Netrl Priv Pool 492 -- -30 -5.75% 2019-05-31
Fidelity Glb Ast Allc Priv Pl 690 -- -4 -0.58% 2019-03-31
Fidelity Asset Manager 827 -- 377 83.78% 2019-03-31
Fidelity Income Allocation Fund 835 -- -129 -13.38% 2019-03-31
Fidelity 871 -- 219 33.59% 2019-03-31
Fidelity Asset Allocation Private Pool 1695 -- -69 -3.91% 2019-03-31
Fidelity Balanced Income Private Pool 3217 -- 25 0.78% 2019-05-31
Fidelity Canadian Asset Allocation Fund 3246 -- 379 13.22% 2019-03-31
Fidelity Balanced Private Pool 5243 0.01% 41 0.79% 2019-05-31
Fidelity Emerging Markets Eq Centr Fund 16600 0.02% -- -- 2019-03-31
FIAM Emerging Markets Opports Cmgld Pl 63189 0.09% 2425 3.99% 2019-06-30
Fidelity Canadian Asset Allocation Class 3246 -- 379 13.22% 2019-03-31
Fidelity Tactical Strategies Fund 136 -- -- -- 2018-12-31
Fidelity Asset Allc Ccy Netrl Priv Pool 188 -- -2 -1.05% 2018-12-31

姚宏 Hong Yao is our founder and the chairman of our board of directors and has served as our chief executive officer since our inception in 2011. Mr. Yao has over 11 years of experience in China’s small and micro enterprise sector. Mr. Yao has received various industry awards and accolades, including the “2014 New Zhejiang Merchants Award”, from Zhejiang Youth Entrepreneurs’ Association, Youth Times and Xinhua News Agency and the “2017 Top Ten Finance Innovation Award” from Zhejiang Online News Network. Mr. Yao received his bachelor’s degree in computer applications and maintenance from Zhejiang Business College in 2000 and his EMBA degree from China Europe International Business School in 2015.
陈峰 Feng Chen has served as our director since March 2018 our vice president of finance and risk management from 2015 to January 2018 and our president since October 2018. Prior to joining us, Mr. Chen served as chief financial officer and vice president of Greentown E-commerce, an online platform for construction materials, from 2014 to 2015 and as chief financial officer and vice president of Fullerton Investment & Credit Guarantee Co. Ltd. from 2013 to 2014. Mr. Chen was special assistant to vice-chairman of Bank of Chengdu from 2012 to 2013 and financial controller of Tianjin Rural Commercial Bank Co., Ltd. from 2010 to 2012. Prior to 2010 Mr. Chen served as a senior manager of Deloitte Consulting LLP, a director of SAS Institute Inc., a manager of BearingPoint, Inc. and a manager of Ernst & Young LLP. Mr. Chen received his bachelor’s degree in economics from Shenzhen University in 1998. Mr. Chen is a certified public accountant in China and Australia and a certified tax agent in China.
孙玉群 Yuqun Sun has served as our director since March 2018 and our vice president of human resources since 2014. Prior to joining us, Ms. Sun served as director of executive office and chief operating officer of Greentown E-commerce from 2011 to 2014. From 2009 to 2011 Ms. Sun worked as branch manager and senior product manager of the China division of Best Buy Co., Inc., a consumer electronics corporation listed on the New York Stock Exchange NYSE: BBY. From 2001 to 2008 Ms. Sun served as general manager and senior manager of public affairs of the China branch of Tesco, a grocery and general merchandise retailer listed on the London Stock Exchange (LSE: TSCO). Ms. Sun received her bachelor’s degree in business administration from Zhejiang Gongshang University in 2006.
丁德胜 Desheng Ding has served as our director since March 2018 and has been our vice president of sales operations from 2015 to January 2018 and our vice president of finance and risk management since January 2018. Prior to joining us, Mr. Ding served as a department manager of Bank of Ningbo’s Hangzhou branch from 2008 to 2015 a business director of Industrial Bank, Co., Ltd.’s cardholder center from 2005 to 2008 and a client manager of China Merchants Bank’s Shenzhen Branch from 2004 to 2005. Mr. Ding received his bachelor’s degree in business administration from Beijing Mingyuan University in 2004 and his master’s degree in software engineering from East China Normal University in 2011.
叶巍 Wei Ye has served as our director since March 2018 and has been our vice president of online operations since July 2017. Prior to joining us, Mr. Ye served as a general manager of Ping An Financial Technology Co., Ltd., a subsidiary of Ping An Insurance Group Company of China, Ltd. (SSE: 601318), from 2013 to 2016. Mr. Ye was a marketing director of Alisoft Co., Ltd., a subsidiary of Alibaba Group Holding Limited (NYSE:BABA), from 2009 to 2010 and a deputy business director of Tencent Holdings Limited, an investment corporation listed on the Hong Kong Stock Exchange (HKSE: 0700), from 2007 to 2009. Mr. Ye received his bachelor’s degree in software engineering from Zhejiang University in 2007.

姚宏 Hong Yao is our founder and the chairman of our board of directors and has served as our chief executive officer since our inception in 2011. Mr. Yao has over 11 years of experience in China’s small and micro enterprise sector. Mr. Yao has received various industry awards and accolades, including the “2014 New Zhejiang Merchants Award”, from Zhejiang Youth Entrepreneurs’ Association, Youth Times and Xinhua News Agency and the “2017 Top Ten Finance Innovation Award” from Zhejiang Online News Network. Mr. Yao received his bachelor’s degree in computer applications and maintenance from Zhejiang Business College in 2000 and his EMBA degree from China Europe International Business School in 2015.
陈峰 Feng Chen has served as our director since March 2018 our vice president of finance and risk management from 2015 to January 2018 and our president since October 2018. Prior to joining us, Mr. Chen served as chief financial officer and vice president of Greentown E-commerce, an online platform for construction materials, from 2014 to 2015 and as chief financial officer and vice president of Fullerton Investment & Credit Guarantee Co. Ltd. from 2013 to 2014. Mr. Chen was special assistant to vice-chairman of Bank of Chengdu from 2012 to 2013 and financial controller of Tianjin Rural Commercial Bank Co., Ltd. from 2010 to 2012. Prior to 2010 Mr. Chen served as a senior manager of Deloitte Consulting LLP, a director of SAS Institute Inc., a manager of BearingPoint, Inc. and a manager of Ernst & Young LLP. Mr. Chen received his bachelor’s degree in economics from Shenzhen University in 1998. Mr. Chen is a certified public accountant in China and Australia and a certified tax agent in China.
孙玉群 Yuqun Sun has served as our director since March 2018 and our vice president of human resources since 2014. Prior to joining us, Ms. Sun served as director of executive office and chief operating officer of Greentown E-commerce from 2011 to 2014. From 2009 to 2011 Ms. Sun worked as branch manager and senior product manager of the China division of Best Buy Co., Inc., a consumer electronics corporation listed on the New York Stock Exchange NYSE: BBY. From 2001 to 2008 Ms. Sun served as general manager and senior manager of public affairs of the China branch of Tesco, a grocery and general merchandise retailer listed on the London Stock Exchange (LSE: TSCO). Ms. Sun received her bachelor’s degree in business administration from Zhejiang Gongshang University in 2006.
丁德胜 Desheng Ding has served as our director since March 2018 and has been our vice president of sales operations from 2015 to January 2018 and our vice president of finance and risk management since January 2018. Prior to joining us, Mr. Ding served as a department manager of Bank of Ningbo’s Hangzhou branch from 2008 to 2015 a business director of Industrial Bank, Co., Ltd.’s cardholder center from 2005 to 2008 and a client manager of China Merchants Bank’s Shenzhen Branch from 2004 to 2005. Mr. Ding received his bachelor’s degree in business administration from Beijing Mingyuan University in 2004 and his master’s degree in software engineering from East China Normal University in 2011.
叶巍 Wei Ye has served as our director since March 2018 and has been our vice president of online operations since July 2017. Prior to joining us, Mr. Ye served as a general manager of Ping An Financial Technology Co., Ltd., a subsidiary of Ping An Insurance Group Company of China, Ltd. (SSE: 601318), from 2013 to 2016. Mr. Ye was a marketing director of Alisoft Co., Ltd., a subsidiary of Alibaba Group Holding Limited (NYSE:BABA), from 2009 to 2010 and a deputy business director of Tencent Holdings Limited, an investment corporation listed on the Hong Kong Stock Exchange (HKSE: 0700), from 2007 to 2009. Mr. Ye received his bachelor’s degree in software engineering from Zhejiang University in 2007.
黄门马 Menma Huang has served as our director since March 2018. Mr. Huang has been the general manager of Hakim Unique Internet Co., Ltd., or Hakim, a company listed on the on the Shenzhen Stock Exchange SZ: 300300 since 2017. Mr. Huang was the deputy general manager of Hakim from 2015 to 2017 and the general manager of the Hakim’s Western Branch from 2012 to 2015. Prior to this, Mr. Huang was the chairman of the board of directors of Sichuan Yuyoutongpu System Engineering Co., Ltd. from 1998 to 2012. Mr. Huang received his bachelor’s degree in marketing from Sichuan University in 1988.

量化对比

全部评论 24

  • 微贷网(WEI.O)盘初异动,现涨超20%。

  • 微贷网盘前涨超40%。

  • 【道指开盘跌0.1%,标普500涨0.2%,纳指涨0.4%】特斯拉涨4.2%,第三季度净利润同比大增131%,连续五个季度实现盈利。AT&T涨4.3%。第三季度每股收益0.39美元,去年同期为0.5美元。可口可乐涨2,2%。第三季度每股盈利0.4美元,去年同期为0.6美元,市场预期0.46美元。微贷网跌16.7%,该股昨日收跌超40%。

  • 【美股盘前消息速报】①美国股指期货周四盘前走弱,市场正拭目以待今日将进行的美国大选的竞选辩论。分析认为这将是特朗普扳回胜局的最后机会。②截至发稿,道指期货跌0.1%,标普500期指跌0.1%,纳指期货跌0.1%。③美国至10月17日当周初请失业金人数录得78.7万人,刷新今年3月底以来新低。④欧洲为控制疫情引入更多限制政策,这令投资者对经济恢复增长丧失信心。今日公布的数据表明,德国GfK情绪指数从上个月的-1.7下跌至-3.1。⑤特斯拉盘前涨近4%,第三季度净利润同比大增131%,连续五个季度实现盈利。传特斯拉有意将中国作为旗下电动车出口中心。⑥AT&T盘前涨2.56%。第三季度每股盈利0.39美元,去年同期为0.5美元。⑦可口可乐盘前涨1.5%。第三季度每股盈利0.4美元,去年同期为0.6美元,市场预期0.46美元。⑧好未来盘前跌超6%,第二财季每股收益不及市场预期。⑨微贷网美股盘前跌超10%,昨日收跌超40%。

  • 中概股微贷网美股盘后涨超90%,该股周二暴涨526%,盘中数次熔断。

  • 中概股微贷网大幅拉升,现涨超540%。

  • 微贷网恢复交易后再次触发熔断,熔断前涨157%,报2.11美元。

  • 中概股微贷网触发熔断,熔断前涨94.16%,报1.59美元。

  • 微贷网(WEI.N)跌21%,早前公司遭杭州公安以涉嫌非法吸收公众存款为由立案侦查。

  • 微贷网(WEI.N)跌21%,早前公司遭杭州公安以涉嫌非法吸收公众存款为由立案侦查。

  • 【道指开盘涨1.4%,标普500涨1.4%,纳指涨1.5%】受A股券商股大涨带动,美股上市的互联网券商中概股富途控股涨20.6%,老虎证券涨15.9%。微贷网跌17.3%,早前公司遭杭州公安以涉嫌非法吸收公众存款为由立案侦查。

  • 【美股盘前消息速报】①股指期货盘前大幅走高,截至发稿,道指期货涨1.56%,标普500期指涨1.33%,纳指期货涨1.30%;②道明尼资源盘前跌1.62%,此前一度涨超15%,巴菲特斥资100亿美元收购道明尼能源天然气业务;③微贷网盘前暴跌18%,早前公司遭杭州公安以涉嫌非法吸收公众存款为由立案侦查;④Uber盘前涨9%,据悉董事会批准以26.5亿美元收购外卖应用Postmates;⑤再生元制药盘前涨4%,此前公司宣布与美国国家过敏和传染病研究所(NIAID)开始第三阶段的新冠肺炎预防试验;⑥软银拟重新让ARM在美国上市,最快明年底重返纳斯达克;⑦苹果可折迭iPhone专利曝光:柔性屏幕设计独特;⑧瑞幸咖啡粉单市场盘前涨超15%,当地时间今日10时,开曼群岛法院将有两则关于瑞幸咖啡的宣判消息公布。

  • 【美股盘前消息速报】①股指期货盘前大幅走高,截至发稿,道指期货涨1.56%,标普500期指涨1.33%,纳指期货涨1.30%;②道明尼资源盘前跌1.62%,此前一度涨超15%,巴菲特斥资100亿美元收购道明尼能源天然气业务;③微贷网盘前暴跌18%,早前公司遭杭州公安以涉嫌非法吸收公众存款为由立案侦查;④Uber盘前涨9%,据悉董事会批准以26.5亿美元收购外卖应用Postmates;⑤再生元制药盘前涨4%,此前公司宣布与美国国家过敏和传染病研究所(NIAID)开始第三阶段的新冠肺炎预防试验;⑥软银拟重新让ARM在美国上市,最快明年底重返纳斯达克;⑦苹果可折迭iPhone专利曝光:柔性屏幕设计独特;⑧瑞幸咖啡粉单市场盘前涨超15%,当地时间今日10时,开曼群岛法院将有两则关于瑞幸咖啡的宣判消息公布。

  • 【被立案调查后,微贷网姚宏回应:公司运营正常】7月4日深夜,杭州公安突然公告称,依法对微贷网(WEI.N)涉嫌非法吸收公众存款立案侦查。其后补充公告,督促平台借款人还款。7月6日下午,姚宏回复21世纪经济报道记者称:“(目前)公司运营正常。”此前,微贷网表示,基于国家政策及行业趋势原因,微贷网经审慎研究决定,将于2020年6月30日前退出网贷行业,不再经营网贷信息中介业务。(21财经)

  • 微贷网(WEI.N)盘前暴跌近25%,早前公司遭杭州公安以涉嫌非法吸收公众存款为由立案侦查。

  • 微贷网(WEI.N)盘前跌超17%,此前微贷网被立案侦查。

  • 【汉鼎宇佑:微贷网只是公司全资子公司参股14.13%的项目 公司以出资额承担有限风险】汉鼎宇佑在互动平台上表示,微贷网只是公司全资子公司参股14.13%的项目,未参与微贷网的日常经营管理。因为是投资项目,公司以出资额承担有限风险。2020年上半年,公司也做了进一步的计提,并且由按权益法进行计量变更为按公允价值进行计量且其变动计入当期损益的金融资产。经初步测算,截止2020年6月末,公司对微贷网的股权投资账面价值余额约为7600万元(具体数据以公司2020年半年度财务报告为准)。

  • 【车贷P2P微贷网被立案 波及上市公司汉鼎宇佑】7月4日,杭州市公安局上城分局微博发布通报,车贷平台“微贷网”因涉嫌非法吸收公众存款被立案侦查。公安机关将全力开展资产查控、处置等追赃挽损工作,同时对平台借款人恶意逃废债涉嫌犯罪的将依法予以严惩。(财新)

  • 【汉鼎宇佑:金融资产存在较大金额的公允价值变动风险】汉鼎宇佑(300300)7月5日晚间公告,公司获悉,微贷(杭州)金融信息服务有限公司涉嫌非法吸收公众存款被公安机关立案侦査。公司通过全资子公司汉鼎宇佑科技持有微贷网14.13%股权,此次立案调查可能导致公司金融资产存在较大金额的公允价值变动的风险。截至2020年第一季度末,公司对微贷网的长期股权投资账面价值余额为1.55亿元。预计6月末,公司对微贷网的股权投资账面价值余额为0.76亿元。

  • 【深夜突发!杭州第一大P2P被警方立案侦查】2020年7月4日深夜,杭州市公安局上城区分局依法对微贷(杭州)金融信息服务有限公司(“微贷网”平台)涉嫌非法吸收公众存款立案侦查。目前,案件正在依法侦办中。(中国基金报)

阿布量化公众号二维码 abu_quant 扫一扫关注阿布量化

热门推荐