wen|xuelangfinance

bairongyunchuangjinqidongzuopinpin！

juqichacha，jinri，guangzhoushuronghulianwangxiaoedaikuanyouxiangongsi（xiacheng：guangzhoushurong）zhucezibencong1yiyuanzengjiadao2yiyuan。guangzhoushurongchengliyu2017nian2yue14ri，zhuyingxiaoedaikuanyewu，youganggushangshigongsibairongyunchuangdefushugongsi100%chigu。bairongyunchuang2022niannianbaoxianshi，tongguoguangzhoushurongcuchengdexiaofeidaikuan231.4wanyuan。

3yue12ri，shuzijinrongitjiejuefangantigongshangmurongkejigonggaocheng，gudongbairongruichengxinxikejiyouxiangongsi（xiacheng：bairongruicheng）zaiguzhuanxitongtongguotedingshixiangxieyizhuanrangfangshizengchi258.17wangu，zhijiechigubiliyou13.85%zengjiazhi19.38%。jugongshangziliao，bairongruichengdeweiyigudongweibairongyunchuangkejigufenyouxiangongsi。

zibendongzuozhiwai，bairongyuanchuanghairuweileqinghainongshangxingdezhengxinshujucaigouxiangmu。

qichachaxianshi，qinghainongshangyinxing（nongxinshe）3yue7rigongshilegaixinggeren、qiyezhengxinshujucaigouruweixiangmu（biaoer：qiyeleishujuxinxi）jieguo，bairongyunchuangkejigufenyouxiangongsi、beijingzhongshuzhihuikejigufenyouxiangongsiruwei。ciqiangongbudeyaoqinghanxianshi，gaibiaoduanshujugongyingshangruweihezuoqixianweisannian。

ju《xuelangfinance》2023nian2yue10ribaodao，bairongyunchuangchengliyu2014nian3yue，zhuyaoweijinrongxingyetigonggaoshipeixingdechanpinjijiejuefangan。qichuangshirenzhangshaofengcengcheng，bairongshilingyuxifensaidaodediyijiashangshigongsi，quanxingyepaodezuikuai。

01、银行等金融大客户

shishishang，2017nian~2020nian，bairongyunchuangchixukuisun，leijikuisunchao40yiyuan。jumianniuzhuanfashengzai2022nian。

2022nianzhongqi，bairongyunchuangniukuiweiying，qudejinglirun9892.5wanyuan。2022nianqiansanjidu，bairongyunchuangshourudadao14.87yiyuan，tongbizengzhang25%。

bairongyunchuangyejixianghao，hexinkehugongbukemei。

2022nianzhongbaoxianshi，hexinkehugongxianshouru7.72yiyuan，zhanzongyingshoubilichaoguo80%。tongqi，hexinkehupingjunshourudadao386wanyuan。

2022nianqiansanjidu，zhanjubairongyunchuangyingshoubanbijiangshandezhinengfenxiyuyunyingfuwuyewushouruda7.29yiyuan，tongbizengzhang46%。

gonggaocheng，gaizengzhangzhuyaoshouhexinkehushuzengjia13%jihexinkehupingjunshouruzengjia26%dequdong。

bairongyunchuangdehexinkehudouyoushei？

bairongyunchuangzai2022nianzhongqibaogaozhongbiaoshi，qikehubaokuoquanbuliudaguoyouyinxing、shierjiagufenzhiyinxing、chaoguo950jiaquyuxingyinxing、daxingxiaofeijinronggongsi、baoxiangongsiyijiqitaduojiachipaijinrongfuwugongyingshang。gongsihexinkehushudadao200jia。

zai《2022niandisanjiweijingshenheyingyunzhaiyao》zhong，bairongyunchuangjianghexinkehudingyiwei：yumouniangezigongxianshouruzongechaoguorenminbi30wanyuandechipaijinrongjigou。

ju《xuelangfinance》buwanquantongji，bairongyunchuangzai2022nianmijicongkehushouzhonghuodebushaobaiwanjidexiangmu。

gongkaixinxixianshi，2022nian11yue，bairongyunchuangzhongbiaoshenzhenxinyong（zhengxin）fuwupingtaixiangmuerqichanpinbushupingtaifuwucaigouxiangmu，zhongbiaojiagewei328wanyuan。genjushenzhenyangguangcaigoupingtaixianshi，gaixiangmucaigoudanweiweishenzhenzhengxinfuwuyouxiangongsi。

longjicaipingtai2022nian11yue21rigongshi，bairongyunchuangruxuanzhongguojiansheyinxingyingxiaopingtaixitongjifuwucaigouxiangmu，caigoujiagewei165wanyuan。

2022nian3yue2ri，zhongguozhengfucaigouwanggongshi，bairongyunchuangzhongbiaochengdoushiwuhoukejichuangxinchanyetouziyouxianzerengongsiv2.0yewuguanlixinxixitongxiangmu，zhongbiaojine242wanyuan。

2022nian2yue17ri，jincaiwanggongshitianjinbinhainongcunshangyeyinxingpuhuixindaiyewufengkongtixizixuncaigouxiangmuchengjiaojieguo，chengjiaogongyingshangweibairongyunchuang，chengjiaojineda195wanyuan。

zhongguoguangdayinxingshibairongyunchuangdedakehuzhiyi。

juzhongzhaolianhezhaobiaocaigouwang2022nian7yue5rigongshi，bairongyunchuangzhongbiaozhongguoguangdayinxinglingshouqichejinrongmoxingzixunfuwucaigouxiangmu，zhongbiaojinewei273.5wanyuan。

tongnian9yue，bairongyunchuanghaizhongbiaolezhongguoguangdayinxingdezhinengfengkongchangjingtezhengjiagongjifuzhujianmorenliwaibaofuwucaigouxiangmu。

ciqiande2021nian，zhongguoguangdayinxingcengbajiebeihuabeizhudaimoshizhuanxingfengxianmoxingzixunfuwudecaigouxiangmu，yijiqiyefengxiantezhengzhinengshejizixunfuwucaigouxiangmujilebairongyunchuang，qianzhebiaodejine323wanyuan，houzhe358wanyuan。

ciwai，bairongyunchuangyeduocichengweizhongguoyouzhengchuxuyinxingxiangguanxiangmuzhongbiaohouxuanren。baokuo2022nian11yuezhongguoyouzhengshanxishengfenxingqichezulinzaixianbaolichifengkongmoxingjianshejijiexu(shujuyuanbufen)caigouxiangmu，jineda134529.28yuan；2022nian7yuezhongguoyouzhengjilinshengfenxinglingshoukehushujujianmofuwuxiangmu，toubiaobaojia76wanyuan。

02、成长的风波

bairongyunchuangchengliyu2014nian3yue，cengshiyongguobairong（beijing）zhengxingufenyouxiangongsi、bairong（beijing）jinrongxinxifuwugufenyouxiangongsi、bairongjinrongxinxifuwugufenyouxiangongsidengmingcheng，2019nian5yue，gongsigengmingweibairongyunchuangkejigufenyouxiangongsi。

fankaibairongyunchuangdechengzhangshi，bufayubaolicuishoudengziyanfashenglianxideshijian。

juweifangwanbaobaodao，2019nian12yue31ri，shandongshengweifangshizhengfuxinwenbantongbaogaishidaheichuezhuanxiangdouzhengsijiduchengguo，qizhongyouyizongcuishouanshejixinyaleda。

gongshangxinxixianshi，xinyaledachengliyu2015nian11yue，zhuceziben257.8078wanyuan。gudongbaokuoziranrenlidan、bairongzhicheng（beijing）xinyongguanliyouxiangongsi、beijingdachengxinyuetouzikongguyouxiangongsihezhangzhongkejideng。

2021nian12yue22ri，xinyaledabeibeijingshihaidianqushichangjianduguanlijudiaoxiaozhizhao，muqianshidiaoxiao、weizhuxiaozhuangtai。

xinyaledacengzai2016nian4yuetuichuzichanbaifenbaipingtai。ju36ke2016niandebaodao，gaipingtaishiyijiajiyudashujujishudebuliangzichanchuzhigongsi，zaixiaofeijinrong、xianjindaidengxianshang、xiaoedexinyongdaikuanlingyu，yizhongbaofangshiwanchengcuishou。

gaipingtaikaifaleyitaocuishousaasguanlixitong。chuangshirenlidanshuo，“muqianwomenzaiwanyuanyixiadaikuandecuihuilvshixingyepingjunshuipingde1.5beiyishang。”

buguo，zichanbaifenbaiweixingongzhonghaozi2018nian11yue8rizhihouzaiwugengxin，guanwangyewufadakai。

lingyibian，bairongyunchuangyeqingkonglezaibairongzhichenghebeijingdachengxinyueliangdazigongsidequanbuguquan。

gongshangxinxixianshi，beijingdachengxinyueyuanmingbeijingbairongjinkongtouzikongguyouxiangongsi，yu2018nian11yue28riwanchenggengming，tongyitian，bairongjinrongxinxifuwugufenyouxiangongsituichubeijingdachengxinyuegudongzhilie。

bairongzhichengzezai2020nian1yuegengmingweixinkezhihui（beijing）xinyongguanliyouxiangongsi，yucitongshi，bairongyunchuangkejigufenyouxiangongsituichu。

chuleshangshushijian，youguangzhouribaobaodaode2020nian5yue29rizhongguocaipanwenshuwangyizesheheipanjuezhong，yechuxianlebairongyunchuangdemingzi。

jupilu，guizhoushengliupanshuishizhongjirenminfayuanxuanpan，zhouchun、liyizuzhi、lingdao、canjiaheishehuixingzhizuzhi、zhapian、qiaozhalesuo、kaisheduchangzuimingchengli，zhouchunbeipanchuyouqituxing25nian。

zaigaianjianzhong，bairongyunchuangcengtongguoqixiabairongzhuochengkejiyouxiangongsi，chiyoubairongzhuocheng（guizhou）jinrongxinxifuwuyouxiangongsi60%deguquan，erlingwai40%guquan，zhengshiyousheheirenyuanzhouchunchiyou。

zhongguocaipanwenshuwangxianshi，bairongzhuocheng（guizhou）jinrongxinxifuwuyouxiangongsi40%degufen，xiyizhouchunweishoudeheishehuixingzhizuzhitongguoweifafanzuihuodonghuozheqitabuzhengdangshouduanjuliandecaichan，yuyimeishou，shangjiaoguoku。

buguozai2019nian4yue24ri，sheheirenyuanzhouchunbeixianzhijuzhuzhiqian，bairongyunchuangyizai2yue20riqiegeleyusheangongsibairongzhuochengkejiyouxiangongsideguquanguanxi。

gongshangxinxixianshi，2019nian2yue，bairongzhicheng（beijing）xinyongguanliyouxiangongsituichubairongzhuochengtouzirenxinglie，biangenghoudetouzirenzhengshilidan。zaizheizhihou，gaigongsihaijinglileshucitouzirenbiangeng。dao2020nian10yue，gongsizhengshigengmingweizhuochenghengyuankejiyouxiangongsi。

zaicizhiwai，bairongzijidechanpinyezaoyutousu。

bairongyunchuangqixiaguangzhoushuronghulianwangxiaoedaikuanyouxiangongsicengtuichuyikuanmingwei“rongshudaikuan”deapp，xiangcduanyonghudingxiangtuijianxindaichanpin，bangzhubduanxindaijigoupipeiheshideyonghu。

2020nian1yue，jufazhizhoumodengduojiameitibaodao，rongshudaikuanappshangtuijiandeduokuanjinrongchanpin，cunzaibaolicuishou、lilvguogao、bianxiangshouqu“kantouxi”dengtuchuwenti。

bairongyunchuangfangmianhuiyingcheng，rongshudaikuanmianxiangyonghutigongdeshidaikuantuijianfuwu，hezuojigoudoushifuheguojiaguidinglilvdeyouzizhidefangdaijigou，pingtaizishenbufangdai，yincibucunzaigaolidaihekantouxideqingkuang。zhenduibufenyonghuzhenduihezuodetousuzhengyi，yitongyijiaoyouxiangyingdehezuojigouchuli。

2019nian9yue，yejiefenchuanduoweidashujufengkonggongsigaoguanbeidaizou，gongsibeichafeng。tongdunguanfanghenkuaihuiyingcheng，weipeihejingfangdiaochacengjingfuwudemoudisanfangdanwei，hangzhouxinchuanjiyouguanrenyuanzhengjijixiezhujingfangdiaochaquzheng。

qijian，youchuanyanchengbairongyunchuangshenzhenfengongsiyuangongbeidaizou，houbeiguanfangfouren。ciqianyouxiaoxichengbairongshujuchaxunshouyingxiang、gerenzhengxinshujuyewubeizanting，duici，bairongfangmianyehuiyingchengduiqimeiyouyingxiang。

changshizhuanxingzhihou，bairongyunchuanggengyizhongguojinrongxingyeshuzhihuadelinghangzheziju，“shuzhi”liangzilvlvchuxianzaiguanfangxuanchuanzhong，qixiabushaoqiyeyedougengmingwei“**kejiyouxiangongsi”, bairongzhixin（beijing）zhengxinyouxiangongsiyezai2022niangengmingweibairongzhixin（beijing）kejiyouxiangongsi。

zhangshaofengtandao，bairongbingbuhuizhijiezuojinrong，huoshizuojinrongjigou，chengweiyijiayinxing、baoxiangongsihuoshiquanshang。danshibairongxiwangtongguokejifunengjiafang、hezuofang，tigongkejizhulifazhan，tongshihuodechengzhang，xiwangchengweijinrongxingyede“huawei”。