信贷科技平台消费金融: 量降价稳质改善 盈利弹性或可期

中金在线
27 Mar

奇富、乐信和信也3家信贷科技平台公司2024年上半年权益乘数分别为2.1倍、2.3倍、1.5倍,距离小贷公司5倍杠杆上限仍有一定的差距,行业规模扩张仍有空间。行业目前审慎性的扩表策略以及风险偏好的提高或仍将继续,后续扩表速度提升的可持续性仍需观察政策发力背景下的宏观经济回暖效果。近年来,受制于宏观需求的不足以及信贷科技平台自身审慎性的投放策略,行业整体信贷增速略有下滑,奇富、乐信和信也2024年...

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