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BDADueDiligenceReporton9F29Feb,2016ForTigerGlobal?BDA2016
2TableofContentsExecutiveSummaryBusinessIntroductionSunflowerLoan:HighCreditLoss,DifficulttoBreakEvenConsumptionInstallmentLoan:WeakinRiskControlInevitableIncreasingAcquisitionCost
9Fstartedwithserviceforbanks,andnowhasbecomeaP2Plendingplatformacquiringloansbyitselfandfromthirdparties3CompanyDevelopmentHistory2006.089Fwasfoundedasanonlinesupermarketofwealthmanagementproducts2009.10Duetofinancialcrisis,9FgaveupitsWMbusinessandtransformedintoaconsultingcompanyprovidingsolutionsinsmallloansforbanks2012AssistedbankswithsmallloansbyprovidingmodelingandothersolutionsWuKongLiCaiacquired~6millionregistereduserswithinthreemonths2014.09Establishedtheunifiedmobileaccountsystemandfinancialservicesplatform,9FWallet2015.07Begancultivatinginstallmentpaymentbusinessunderdifferentconsumptionscenarios2014.112013StartedtoissuesmallloansbyitselfAsmarketingfeesincreasedonPCend,begantargetingmobileendCreditloanforentrepreneursSelf-AcquiredSource:Companyinformation,BDAinterviewsandanalysisProductIntroductionThird-partyChannelSunflowerSMELoanAll-inclusiveRateDuration(month)DescriptionSunflowerConsumerLoanBankNotesSupplyChainFinanceConsumptionInstallmentHouseMortgageWeCashLoan54%54%3131~80%24AutoLoan27%16%19128%7N/AN/AN/AN/ACreditloanforwhite-collarworkersMainmobilephoneinstallmentloanHouseascollateralTicketSize(RMB000’)1028244491251358338VehicleascollateralOnlinecreditloanBankacceptanceAccountsreceivableofJDandDongFengAutomobilesuppliersProductSource
OurstudyfocusesonSunflowerpersonalcreditloans,whichisandwillbeanimportantrevenuecontributor;wealsotakealookatconsumptioninstallmentloanservice,whichisprojectedtobeanothermajorcontributorinthefuture452%8%41%1235%29%+143%Others1ConsumptionInstallmentSunflowerCredi
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