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360数科净Takerate变化
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所属报告:
360数科-港股公司研究报告-监管风险降低展望稳健增长-230215(25页).pdf
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2023年携程、Booking、Expedia营业收入及构成,TakeRate对比
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2024-05-28
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携程takerate对比海外国际巨头
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2024-04-18
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亚马逊货币化率(TakeRate)高于其他平台
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2024-02-27
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图表172022年各平台takerate构成
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行业数据
2023-10-13
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移卡:Takerate和毛利率
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行业数据
2023-06-06
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拼多多的takerate快速提升
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行业数据
2023-04-06
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图27、360数科净Takerate变化
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行业数据
2023-02-16
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疫情期间减少了酒店补贴,takerate有所提升
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2022-12-26
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利率限制及疫情反弹导致Takerate下降,2023年盈利情况有望改善。截至2022年4月底,360数科已经应监管要求将自营产品贷款利率全部降至24%以下,综合利率达22%,未来利率趋于稳定。利率下降导致从单个客户获得的净收入有所减少,除此之外,利率限制及疫情反弹对公司的Takerate水平造成了较大冲击。Takerate为扣除拨备、减值和融资成本后的贷款相关业务收入占放款量之比,主要受与拨备减值相关的风险成本及与资金流动性相关的融资成本影响。公司Takerate从21Q2的3.4%的高点降到22Q3的2.3%,未来资金成本及风险成本仍有优化空间,预计2023年起360数科盈利能力将有所改善。
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360数科-港股公司研究报告-监管风险降低展望稳健增长-230215(25页).pdf
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各贷款平台年利率上限情况(截至2022年11月17日)
互联网系小贷公司注册资本变动情况
360数科业务情况
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