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抖音悄然躍入放貸第一陣營,近4000億天量直逼螞蟻

抖音悄然躍入放貸第一陣營,近4000億天量直逼螞蟻

抖音悄然躍入放貸第一陣營,近4000億天量直逼螞蟻

文  周天

周天财經 原創出品

在被大家遺忘的角落,現金貸仍在生長,且燃燒得更旺,這一波引領網絡放貸的主角是一個令所有人都倍感驚奇的角色:位元組跳動。

我也好奇,一個用來看短視訊的平台怎麼就成了放貸巨頭?

關注到這個水面下的話題,最開始是因為看到一則報道,據《21 世紀經濟報道》:

一家大型網際網路直播平台一面從事助貸,一面也基于自身網際網路小貸牌照,自營消費貸業務。憑借龐大流量,其在貸餘額規模迅速擴張至約8000億元。金融監管部門已對此密切關注,并要求該網際網路直播平台适度壓縮在貸餘額規模。

多方打聽得知,在21世紀這篇文章中含蓄點到的8000億餘額巨頭,就是抖音。不過,8000億的在貸餘額,大大超出市場預期,略顯誇張。

循着這條線索,我在業内多方求證,大體獲知:在2023年底前後,抖音等位元組系公司的放貸餘額至少已經突破了三千億,或許就在撰寫本文的最近一段時間,餘額正在逼近4000億,也就是在大約一年前,抖音放貸餘額僅百億左右的規模。

即使隻是3000多億,也讓多位業界人士普遍深感震撼:「這個增速太恐怖了,隻用一年就幹出來 1.5 個度小滿。」

據業内人士估算,按照2023年的驚人增速,即便是2024年增速大幅回落,以抖音為主的位元組系,放貸餘額達到一萬億并不誇張。萬億,是螞蟻集團一度達到過的高峰。

要了解抖音目前在現金貸的行業地位,不妨拿目前的現金貸領頭羊企業來進行比較:

度小滿,由李彥宏的百度孕育而出,放貸餘額在2300億,已經在現金貸行業遙遙領先了,且度小滿在投放上,是公認的兇猛和大手筆,比如在機場和各類熱門綜藝節目中,度小滿都是廣告贊助的大金主。

僅次于度小滿的,是360借條,主體是奇富科技和360小貸,實控人就是最近剛給杭州網紅上了人生一課的周鴻祎,财報顯示,360借條的餘額是1891億元。周鴻祎教年輕人演講不收學費,但老周借錢給年輕人,是要算利息的。

也就是說,抖音隻用了一年時間,就超過了現金貸行業數一數二的兩大高手,幾乎達到度小滿+360借條放貸量之和。着實給金融行業帶來了一些小小的位元組震撼。

位元組善于跨界擴張,吞并老牌巨頭的地盤,以飽和攻擊、快速放量為特點,而2023年,又一次在放貸領域,激進all in,重演了自己屢試不爽的拿手好戲。

還是熟悉的劇本,還是熟悉的味道。從遊戲、VR 收縮撤退的位元組,實則在另一個角落隐秘擴張。

就這樣,悄無聲息,在一個我們看不見的下沉放貸市場,隻用一年多時間,抖音就猛然發育成為市場數一數二的巨頭,複刻了當年支付寶母公司螞蟻金服的花呗借呗的高光時刻。

餘額其實是一個窄口徑,計算的是以某個時刻作為橫截面,有多少貸款正停留在使用者的錢包裡,尚未歸還給位元組的存量。由于很多使用者會多次借款,如果按照GMV算,其信貸規模就更大了。

抖音放貸的前端産品是放心借和抖音月付,而背後用的是一張小貸牌照,這家小貸公司由位元組跳動實控,最近的12月29日剛從90億資本金增資到了190億。對比來看,目前騰訊旗下的财付通小貸的資本金為105億元,微信分付也在逐漸放量,在抖音優秀業績的刺激下,微信分付應該不會坐視市場被抖音獨享,2024年可能會有更大動作。

聊到這裡,大家肯定很感興趣的是:why,為什麼位元組可以,抖音金融能夠飛速做大。關于 why,準備後續做詳細解讀,此處就先簡單寫寫。

我從業内朋友那裡聽到了大概幾個原因:使用者基數大、資料齊全,算法先進,在金融行業裡是降維打擊,有金融從業者對我說,上一次感受到這樣的震撼,還是看到花呗借呗一度觸及約2萬億的放貸餘額規模。移動網際網路的大資料量召喚出網絡放貸的洪荒之力,改寫了金融的玩法。

業内人士感歎,螞蟻做完使用者教育,抖音接力服務,前人栽樹,後人乘涼。使用者需求始終都在,隻是換了領頭羊。此消彼長之間,悄無聲息又轟隆作響。

這一輪對現金貸公司的調研,不看不知道,一看吓一跳,的确讓我們對于這個被遺忘的行業産生了許多新認知,實際上頭部現金貸公司,比如樂信、拍拍貸信也、小赢等公司以及作為巨頭生态的京東金融,略顯沉默但業績依然保持高增速,背後有着許多耐人尋味的細節,如果大家希望我後續展開講講,請在評論區讓我知道。

周天産業分析 原創出品 | techfinsight

專注于科技産業與商業現象的深度分析與趨勢解讀,亦關注企業家群體與企業文化。

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(min-width:1024px){body:not(.pages_skin_pc)body:not(.pages_skin_pc){background:#191919;background:var(--weui-BG-2)}}@media screen and (min-width:1024px) and (prefers-color-scheme:dark){body:not(.pages_skin_pc) .wx-root[data-weui-mode=care]:not([data-weui-theme=light]),body:not(.pages_skin_pc) body[data-weui-mode=care]:not([data-weui-theme=light]){--weui-BG-0: #111;--weui-BG-1: #1e1e1e;--weui-BG-2: #191919;--weui-BG-3: #202020;--weui-BG-4: #404040;--weui-BG-5: #2c2c2c;--weui-FG-0: rgba(255, 255, 255, .85);--weui-FG-HALF: rgba(255, 255, 255, .65);--weui-FG-1: rgba(255, 255, 255, .55);--weui-FG-2: rgba(255, 255, 255, .35);--weui-FG-3: rgba(255, 255, 255, .1);--weui-FG-4: rgba(255, 255, 255, .15);--weui-FG-5: rgba(255, 255, 255, .1);--weui-RED: #fa5151;--weui-ORANGERED: #ff6146;--weui-ORANGE: #c87d2f;--weui-YELLOW: #cc9c00;--weui-GREEN: #74a800;--weui-LIGHTGREEN: #3eb575;--weui-BRAND: #07c160;--weui-BLUE: #10aeff;--weui-INDIGO: #1196ff;--weui-PURPLE: #8183ff;--weui-WHITE: rgba(255, 255, 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