wen|leidacaijing moenmeng

编辑|深海

yishoudajianqi360wangluoanquanshangyediguodezhouhongyi，dangxiazhengkaozheqifukeji“menshengfadacai”。

jinguanzhouhongyijinlaizaigongkaichanghetanjideduoshirengongzhineng、damoxingdengkansigaodashangdedongxi，danbeizhouhongyijiaoshaotijiaodejinrongkejifuwu，zaiqiaoranjianyiranchengweizhouhongyidangxiazuizhuanqiandegongjuzhiyi。

juqifukejifabudecaiwushujuxianshi，zaizuijinsanniandeshijianli，zheijiagongsiyigonglanxiajin495yiyuandeyingshou，tongqiqifukejideleijiguimujinglirungengshichaoguo140yiyuan。yuyingshouzhunianxiahua、lirunguimobuduansuoshuishenzhiyouyingzhuankuidesanliulingxiangbi，qifukejideyejixiandepoweiliangyan。

buguo，zailiangcipinpaishengjideguochengzhong，qifukejixianhouzaimingzizhongyinqule“jinrong”yu“360”deziyan。ergongsiliangyanyejibeihou，qifukejizaifengkongfangmianyemianlinyidingdetiaozhan。ciwai，qifukejiqixiade360jietiao，zaiheimaotousupingtaishangyeyinbaolicuishoudengwentizaodaobushaoyonghutousu。

zhideyitideshi，duiqifukejicaiqudidiaotaidudezhouhongyi，qishibenrenbingbudidiao。youqishizaiduanshipin、zhibodengwanghongjingjifengmidedangxia，shenweiqiyejiadezhouhongyiyeyouyigewanghongmeng，qihaijianyishenbiandepengyoudoulaizuowanghong。

zaizhouhongyikanlai，qiyejiazuowanghonggenyonghugoutongqilaihuigengjiagaoxiao，erzijizhisuoyi“chimi”yuyanjiuwanghongjingji，yeshiweileshuxishuixing、zuochugenghaodechanpin，bingjigongsijieshengyingxiaoxuanchuanfeiyong。

三年大赚140亿，奇富科技“闷声发大财”

“weishenmequanzhongguodehulianwanggongsi，xianzaidoubenzhejinrongquni？”zaozai2013nianjiucengfachuqianshuyiwendezhouhongyi，rujinyechangdaolehulianwangjinrongyewudebushao“tiantou”。xiangbibang360daxiangminghaodewangluoanquanyewu，zaibubeigongzhongsuoguofenguanzhudelingyu，zhouhongyizhengkaozhemingxiadexindaikejifuwugongsiqifukejididiaojuejin。

julejie，zheijiamingweiqifukejidegongsi，muqianyouzhouhongyidanrendongshihuizhuxi。jutonghuashunifindshujuxianshi，jiezhi2022niannianmo，zhouhongyizhijiechiyouqifukeji12.23%degufen，shigongsidediyidagudong。

congzuijinsanniandecaiwushujulaikan，qifukejidenianyingshoujunzai160yiyuandeshuizhunzhishang，erqijinglirunguimoyejunzai40yiyuanyishang。sannianshijian，qifukejijiangjin495yiyuandeyingshouyijichaoguo140yiyuandeguimujinglirunqingsongshourunangzhong。

keyizuoweicanzhaodeshi，zi2019nianyihou，sanliulingdeyingshoubianchengxianchuzhunianxiahuadequshi，ersanliulingdeguimujinglirunzhibiaozezai2020nianyihouyekaishibuduanxiahua。qizhong，2021nian、2022nian，sanliulingdeyingshoufenbiewei108.9yiyuan、95.21yiyuan。

2021nian、2022nian，sanliulingdeguimujinglirunfenbiewei9.02yiyuan、-22.04yiyuan。lingjusanliulingyujinnian1yuemofabudeyejiyugaoxianshi，gongsiyuji2023niandushixianguishuyumugongsisuoyouzhedejinglirunyuewei-5.5yiyuanzhi-3.7yiyuan。

congqianshutidaodezheiyixilieshujulaikan，qifukejideyingshouzaoyishixianleduisanliulingdechaoyue，erqiyinglinengligengshirangsanliulingnanyiwangqixiangbei。huanyanzhi，youzhouhongyizhangduodeqifukeji，yiqudaisanliulingchengweizhouhongyishangyebantuxiazhuanqiannengligengqiangdeyikuaipintu。

buguo，qifukejiyuquniansuoqudedeyeji，bingfeishiqizuijinsanniandezuijiachengji。leidacaijinglejiedao，2023nian，qifukejiquanniangonglude162.9yiyuandeyingshou，xiangjiaoshangnian165.54yiyuandeyingshouxiahuale1.59%。

lirunfangmian，qifukejiqunianshouhuo42.85yiyuandeguimujinglirun，suiranbishangyinian40.24yiyuandeguimujinglirunduole6.49%，danrengbuji2021niangaoda57.82yiyuandeguimujinglirunguimo。

qifukeji“menshengfadacai”debeihou，zhuyaokaodeshishenme？congjinnian3yuefabudenianbaolaikan，qifukejidangqiandeyingshouzhuyaokeyifenweixindaiqudongfuwuhepingtaifuwulianggedadebankuai。qizhong，xindaiqudongfuwuqunianweiqifukejilande117.39yiyuandeshouru，tongqiqifukejidepingtaifuwujingshouruguimowei45.52yiyuan。

zaijinyibuhuafen，xindaiqudongfuwuxiadedaikuancuohejifuwufei－zhongziben，qunianlude16.67yiyuandeshouru，danyushangnian20.86yiyuandeshouruxiangbiyousuojianshao，zheizhuyaoshiyouyuzhongzibendaikuancuoheguimojianshaojiyouxiaodaikuanqixiansuoduan。

yucitongshi，youyuqineibiaowaizhongzibendaikuanpingjunzaidaiyuejianshao，xindaiqudongfuwuxiadejiechudanbaofuzhaideshourutongbiyechuxianxiahua，cong2022niande58.99yiyuanjiangzhi47.46yiyuan。

youyubiaoneidaikuanpingjunzaidaiyuezengjia，tongshuxindaiqudongfuwuxiaderongzishourucong2022niande34.88yiyuanzengzhangzhi2023niande51.1yiyuan。youyuzhongzibenmoshixiazhinajinzengjia，xindaiqudongfuwuxiadeqitafuwufeicong2022niande1.13yiyuanzengzhi2.16yiyuan。

zhiyupingtaifuwuxiadedaikuancuohejifuwufei－qingziben，youyuqingzibenmoshixiadaikuancuoheguimojianshaojiyouxiaodaikuanqixiansuoduan，qunianlande32.14yiyuandeshouru，jiaoshangniande41.25yiyuanyousuoxiahua。

ertongshuqifukejipingtaifuwuxiadezhuanjiefuwufei、qitafuwufeitongbijunshixianzengzhang，fenbiedadao9.5yiyuan、3.88yiyuan，qianzhedezengzhangzhuyaoshiyouyutongguoicededaikuancuoheguimozengjia，houzhedezengzhangzhuyaoshiyouyuzhinajinyijichanpinyouhua。

chulezhuandepenmanbomandeyejiwai，qifukejijinlaizaizibenshichangshangdebiaoxianyehaisuanbucuo。jutonghuashunifindxianshi，zishangshizhijin,qifukeji-sdegujiashangzhangle57.38%，shizhizengjiachao87yigangyuan。bansuizheqifukejigujiadeshangzhang，zuoweiqifukejishijikongzhirendezhouhongyi，qiyongyoudeguquanjiazhiyeshuizhangchuangao。

名称淡化网贷色彩，丰收背后暗藏隐忧

leidacaijingconggongsiguanwanghuoxi，muqian，qifuqixiadechanpinzhuyaobaokuo360jietiao、360zhouzhuanlingdeng，qifukejijiang“chengweizhongguojinrongkejixingyezuishouzunjingdeqiye”shiweizijideyuanjing，bingjiang“shiyuanquan，hengyukeji”zuoweizijidekouhao。

buguo，zaipinpaifazhandelichengzhong，qifukejizheijiagongsixianshizaimingchengshangdanhuazishendejinrongsecai，zhihouyouzaimingchengshangruohuazijiyu360zhijiandeguanlian。querdaizhideshi，qifukejibuduanqianghuazijidekejishuxing。

qifukejidechengli，zuizaokeyizhuisuzhi2016nian。dangnian7yue，zhouhongyichuangjian360jinrongjituan。cinian3yue，fuzhousanliulingwangluoxiaoedaikuangongsichengli，bingshunlihuodewangluoxiaodaipaizhao。yinianduodeshijianzhihou，fuzhousanliulingrongzidanbaoyouxiangongsichengli，360jinrongjituanjieciyouhuodelerongzidanbaopaizhao。

2018nian12yue，danshengjinjinliangnianduode360jinrongbianqiangshidenglumeigu，zaidangdinasidakejiaoyisuozhengshiguapaishangshi。2020nian8yue，360jinrongjinxingshoucipinpaishengji，qijiangpinpaimingchengbiangengweile360shuke。2022nian，360shukeyouchenggongzaigangjiaosuoqiaoxiangshangshizhongsheng。qunian2yue，360shukezaidujinxingpinpaishengji，yaoshenyibianchengweileqifukeji。

ruocongrujindemingzilaikan，waijiehennandanchuncongqifukejizheisigezizhongcantouchuzheijiagongsidezhuyingyewujiujingshishenme。jinguanqifukejizaimingchengshangjinxinglelianglungengxinshengji，danqizaiyewucengmianquehennanyinquzijiwangdaigongsidedise。

zaicaibaozhong，qifukejiduizijizuolezheiyangdejieshao：shiyijiazhongguoxindaikejipingtai，tigongquanfangweidekejifuwu，baokuozaidaikuanshengmingzhouqizhongxiezhujinrongjigou、xiaofeizhejixiaoweiqiye，fuwubaokuohuoqujiekuanren、chubuxinyongpinggu、zijinpipeijidaihoufuwu。

erzhichengqiqifukejiliangyanyejide，zhengshishuliangpangdadejinrongjigouhejiekuanren。jiezhiquniannianmo，qifukejiyileijilianjie157jiajinrongjigouhezuohuoban，yiji2.35yimingjuqianzaixindaixuqiudexiaofeizhe，jiaoshangniande2.09yimingzengzhang12.8%。

jiezhiqunianmo，qifukejileijijuyouhuopishouxinedudeyonghuda5090wanren，tongbizengzhang14.4%。yucitongshi，qifukejileijichenggongtikuandejiekuanren（baokuozhongfujiekuanren）da3040wanren，tongbiyeshixian12.7%dezengzhang。

2023nianquannian，qifukejizongcuohejifaqidaikuanguimoda4758.31yiyuan，jiao2022nianzengzhang15.4%。pingtaifuwuxiadedaikuancuoheguimotongbizengzhang17.3%zhi2710.2yiyuan。qunianqifukejidequannianfudailiangwei91.6%，er2022niandequannianfudailiangwei88.7%。

duiyuyijiabiaobangzishenweirengongzhinengqudongdexindaikejifuwupingtaidegongsi，qifukejixianranhaixuyaoxiangyingdejishujiachicainengduideqizheigeminghao。zaiguanwangdekejichuangxinyilan，qifukejixiasheyouzhinengfuwu、aiyanjiu、anquankejisangebankuai。

qizhong，zhinengfuwuyilanzhanshiyouarguszhinengfengkongyinqing、glaucuszengzhangyinqing、zhinengjiqiren、jinrongocrfuwu；aiyanjiuzebaokuodamoxingjisuan、jinrongzhishitupu、qingxushibiesangeneirong；shengxiadeanquankeji，zhuyaonangkuoyonghuyinsijifengxianbaozhang、quanlianfanzhakejiyijiyinsijisuan。

buguo，kancheng“zhuanqianjiqi”deqifukeji，biaomianyipianfengshoujingxiangdebeihouyeanzangyinyou。juqifukejishouxifengxianguanzhengyantoulu，quniandisijiduduifengkongfangmianchanshengyidingtiaozhan。jingjishangdekunnanyingxiangleyibufenjiekuanrendehaikuannengli，tongshiquanxingyeyudaodejishuwentiyejiangdilegongsicuishouyunyingdexiaoguo。

zhengyanjinyibuzhichu，guanjianxianxingzhibiaozhong，quniandisijidudeshouriyuqilvwei5.0%，30tianhuishoulvwei84.9%。“womenjianshaolegaofengxian、zhangqixiandaikuandechangkou，bingtongguotishengbuchengdanxindaifengxiandefuwudebililaijinyibujiangdizongtifengxian。2024nianzhijin，zheixiejucuoyijingkaishiduifengxianzhibiaochanshenglejijideyingxiang。womenyujifengxianzhibiaojinnianhuizhubugaishan”。

ciwai，zaiheimaotousupingtaishang，yeyoubushaoyonghuduiqifukejiqixiadechanpinfaqitousu。jiezhifagao，360jietiaozaiheimaotousupingtaishangdeleijitousuliangchaoguo3.2wantiao。qizhongjin30tianneixinzengdetousujiuduoda348tiao，pingjunmeitianxinzengtousuchaoguo11tiao。yonghufaqidezheixietousuzhong，keyikandaozhuduoyouguanbaolicuishoudeneirong。

不想当网红的一把手，不是一个好企业家？

jiangshixiancongqifukejizhuanhuizhizhouhongyibenren，xiangbicengjingdeqiyejiashenfen，rujindezhouhongyihaizhiliyuchengweiyiminghegedewanghong。zaiweibofabudeyizeshipinzhong，zhouhongyigengshiziwodiaokandao，“wozuijinweilexifen，yijingdaole‘sangxinbingkuang’dedibule”。

leidacaijingzhuyidao，muqianzhouhongyidegerenshejiaozhanghaobaochizhexiangduijiaogaodegengxinpinlv，qihaihuibudingqikaizhanzhibohuodong。zaizhouhongyidenuliyunyingxia，qizaiduogeshejiaopingtaishangyijizanlebushaodefensi。jiezhifagao，zhouhongyizaiweibodefensishuyichaoguo1149wan，erqizaidouyinpingtaishangdefensishuyechaoguole493wan。

zainianchujuxingde2023nianfengmaniunianzhongxiuyuanzhuoluntanhuanjieshang，zhouhongyihehoubeichengqiandeyanlunjiucengzaihulianwangshangxiyinlailezhongduowangyouweiguan。zaizheiqiredianshijianzhong，zhouhongyishouhuobushaohaoping，haishundaituiguangleyibozijidegerenyanjiang。

1yue10ri，zhouhongyiyouzaishejiaomeitizhanghaoshangfawencheng，“laopengyoumenqianlaidongfangzhenxuanjitixuexiwanghongjingji，zhengqulijieliuliangmima，yushijujingenshangshidaijiezou，tingyuminhonghedongyuhuifenxiangtamendenulihejianchi”。bishi，hezhouhongyiyitongqianwangdongfangzhenxuanbaifangde，haiyoufenglundenglaoyipiqiyejia。

zijinulizuowanghongdetongshi，zhouhongyihailijianshenbiandepengyouyequzuowanghong。jinnian2yue，tianwangliudehuayinxuanchuandianying《hongtanxiansheng》zuokezhouhongyizhibojian，bishi，zhouhongyijiuxiangliudehuatichuleyigedadandejianyi，xiwangtanenggoujinjunwanghongquan。

erzaidangxiajingzhengshifenjiliedexinnengyuanqichelingyu，zhouhongyiyejianyicheqideyibashoumenganjinxiachangzuowanghong。zaizhouhongyikanlai，bujiuzhiqianyulaiqichechuangshirenlibinzaidouyinjinxingdegerenzhibojiuhenchenggong，tarenweiqiyejiazuowanghonggenyonghuzhibogoutongjianggengjiagaoxiao。

4yue，zhouhongyizaicifashipinbiaoshi，chequanyijingjinruwanghongshidai，qiyejiadouyaoxuehuiduanshipin。zaizheizeshipinzhong，zhouhongyitidaoleleijunjiqidazaodexiaomiqiche，haiyouyuxiaolisanjiaxinshilidechuangshirenlibin、hexiaopeng、lixiang，yijilaopaicheqidalaojililishufuheyuminhongdelianhezhibo，tahaijianyilixiangzaimianduishichangzhiyishibufangchulaizuozhibomianduiyonghugoutong。

shishishang，zhouhongyiyesuanjianjiecanyulezaochedazhan。zaozai2021nian10yue，sanliulingjiucengxuanbunitouzi29yiyuanrugunazhaqiche。anzhaojihua，bencitouziwanchenghou，sanliulinghejijiangchiyounazhaqiche16.594%deguquan，yijuchengweinazhaqichededierdagudong。

buguo，xiangbiqifukejizheikezhuanqiannengliburongxiaoqudeyaoqianshu，zhouhongyitouzinazhaqichedezheibimaimaimuqianhaimeiyouaodaoyinglideshike。genjusanliulinggongbudecaibaoxianshi，2020nianzhi2022nianqijian，nazhaqicheleijikuisun111.48yiyuan。

ernazhaqichesuodailaidekuisun，yejishenweigudongdesanliulingdailailejudadeyali。2022nian，sanliulingquanniandeguimujinglirunkuisunda22.04yiyuan，zheishiqizi2014nianyilaideshoucikuisun。ersanliuling2022nian12.93yiyuandetouzikuisunzhong，younazhaqichedailaidesunshijiugaoda5.93yiyuan。

2022nian，sanliulinghaiyidufabulefangqiduinazhaqichezengzidegonggao。duiyubenciguquanbiangeng，zhouhongyihuiyingcheng，nazhaqichehaishiyigechuangyegongsi，xuyaorangchuangshirentuanduizhudaogongsifazhan，erbushiwanquanzibenzhudao，danshixianzaichuangshirentuanduiguquantaishao。jinguanzhouhongyijichulezheiyangdeliyou，danzaibufenrenkanlai，nazhaqichebuminglangdeqianjinghuoxuyezaiyidingchengdushangyingxiangdaolesanliulingduiqidezengzijihua。

jinnian3yue26ri，xiaomiqichefabuhuijijiangzhengshizhaokaizhiji，zhouhongyihaihenazhaqicheceozhangyongkaiqileyichangzhibohuodong。zaizheichangzhibozhong，zhouhongyi“huoliquankai”，qibujinzhijiezhichunazhaqichexianyoudemingmingquefaluoji，congchanpinyingxiaodaoguihuadeshuipingbuzu，haijianyizhangyongduoxuexixiaomiqichezhanshishengchanjididesilu。

zaihouxufupanzheichangzhiboshi，zhouhongyizhiyansuiranzheichangzhibozhongjianyouyixiexiaochongtu，danzhengtixiaoguohaibucuo，“youchongtuzheigejiemucaihaokan”，zhouhongyihaipingjiazheichangzhibo“kenengshinazhalishishangguanzhongzuiduodeyicizhibo”。

jiyuzhouhongyifengrenjiutanwanghongjingjidexingwei，waijieyiduchuanchu360jiangjinjunzhibodaihuodejiedu。duici，zhouhongyibiaoshi，360meiyourenhezhibodaihuodejihua，yuzhoudejintouyebuzhizhibodaihuo。

zhouhongyijinyibujieshicheng，zijiyanjiuwanghongjingjishiyinweiyonghujieshouxinxidefangshibianle，gongshenrujucainengshuxishuixing，zuochugenghaodechanpin。henduoqiyejiayijingmaichudiyibule，xiaomideleijun、huaweideyuchengdongdoushishenjiwanghong，“woyaoxiangtamenxuexi，wei360fasheng，jigongsijieshengguanggaofei”。

youfenxirenwei，hulianwangjinrongfuwuxianglaishiyimenjiaoweizhuanqiandeshengyi，danyouyugaiyewushejizhuduofagui、jianguanzhengce，xuyaozunshouyangedeheguiyaoqiu，guoyugaodiaokenengyinfajianguanbumendeguanzhu，jinerzengjiagongsideheguifengxian。

zaijiashangjinrongyewuxiangduifuza，shejizhongduoliyixiangguanfang，yidanchuxianwenti，kenengduigongsishengyuzaochengyanzhongyingxiang，zheiyeshidebushaohulianwangjinronggongsizaiduizishenpinpaijinxingbaozhuanghexuanchuanshijinxinglexiangyingdediaozheng。

youshengyinrenwei，zongshiqifukejimuqianyiweizhouhongyidailaileshifenkeguandehuibao，danzaihulianwangjinrongyewujiaoweimingandedahuanjingxia，zhiliyuzuoyimingwanghongdezhouhongyidagailvhaijiangduigaibankuaicaiqu“menshengfadacai”dedidiaochulitaidu。