[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"content-doc-dcioe69dbd9f":3},{"user":4,"document":8,"mainDocument":27,"columnUrl":29,"subscription":30,"footer":42,"text":80},{"isAuthenticated":5,"isAdmin":5,"displayName":6,"avatarUrl":6,"nid":6,"groupLevel":7},false,"",-10,{"id":9,"fullTitle":10,"subTitle":6,"url":11,"columnId":12,"columnName":13,"columnUrl":14,"summary":6,"contentHtml":15,"mainContentHtml":6,"posterUrl":16,"createDate":17,"displayDate":18,"displayDateSlash":19,"pageviews":20,"tags":21,"hidden":5,"isSubContent":5,"replyDocOrTargetId":6,"contentType":23,"videoId":6,"liveVideoUrl":6,"useContentVideo":5,"duration":24,"price":24,"priceText":25,"priceBadgeText":25,"priceBadgeClass":26,"freeForMinGroupLevel":24,"redirectUrl":6,"readyToStream":5},"dcioe69dbd9f","传德国数字消费金融银行Auxmoney考虑出售或IPO-AI驱动超95%贷款审批-近五年收入年均增加逾30%","\u002Fdoc\u002Fdcioe69dbd9f","col18178739ee","美股资讯","\u002Fcol\u002Fcol18178739ee","\u003Cp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">美股投资网获悉，据知情人士透露，德国数字消费金融银行Auxmoney正考虑包括整体出售或首次公开募股在内的多项战略选择。公司主要股东Centerbridge Partners正与Auxmoney管理层及其他投资者共同评估相关方案，但目前讨论仍处于初步阶段，尚未最终决定是否推进出售或上市。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">对此，Auxmoney和Centerbridge均拒绝置评。Auxmoney总部位于德国杜塞尔多夫，此次潜在交易也是欧洲金融行业近期并购和资本运作持续升温的最新案例。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">随着金融机构估值逐步改善，越来越多私募股权机构开始择机退出投资。去年底，黑石集团(BX)同意以约9.6亿欧元将NIBC Bank出售给荷兰银行业巨头ABN Amro；Cerberus Capital Management目前正推进出售Hamburg Commercial Bank；Lone Star Funds则正在研究出售德国工业银行IKB Deutsche Industriebank的可能性。Lone Star去年还以64亿欧元将葡萄牙Novo Banco出售给法国BPCE集团。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">分析人士认为，在欧洲银行及金融科技企业估值持续修复的背景下，私募机构正积极推动投资项目退出。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">Auxmoney成立于2007年，最初是一家P2P(个人对个人)网络借贷平台，致力于通过全数字化流程简化消费贷款申请。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">自2022年以来，公司逐步退出众筹融资模式，目前贷款资金已全部来自机构投资者以及资本市场资产证券化(ABS)融资。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">目前，Auxmoney主要向德国消费者提供1000欧元起的个人贷款，并利用自主研发的信用评分系统评估借款人的信用风险，实现贷款审批全流程数字化。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">知情人士表示，近年来Auxmoney持续加大人工智能技术应用，目前超过95%的贷款审批流程已实现AI自动化处理。与此同时，自Centerbridge入股以来，公司信贷损失率已下降约一半。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">在业务持续增长带动下，Auxmoney过去五年营业收入年均增长超过30%。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">根据公司财务报告，2024年Auxmoney实现营业收入2.65亿欧元，净利润2300万欧元，主要收入来源包括消费贷款利息收入以及贷款中介服务费。公司预计将在今年秋季公布2025年财务业绩。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">除了Centerbridge外，Auxmoney的股东还包括Index Ventures、Union Square Ventures以及Foundation Capital等知名风险投资机构。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">去年10月，Auxmoney宣布成功通过发行以德国消费贷款为基础资产的证券，从公开固定收益市场融资约9.5亿欧元，进一步增强了资金来源和放贷能力。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">分析人士认为，凭借AI驱动的风控体系、持续增长的盈利能力以及成熟的数字消费金融模式，Auxmoney已成为欧洲金融科技领域较具吸引力的资产之一，无论最终选择出售还是IPO，都有望受到资本市场关注。\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">最专业的美股资讯,推荐美股大数据 \u003Ca href=\"https:\u002F\u002FStockwe.com\u002F\">https:\u002F\u002FStockwe.com\u002F\u003C\u002Fa>\u003C\u002Fspan>\u003C\u002Fp>\r\n\u003Cp>\u003Cspan style=\"font-size: large;\">如何识别美股市场异常波动？美国机构主力资金买卖情况，出货和吸筹，使用美股投资网VIP会员，2008年成立于美国硅谷，由前纽约证券交易所分析师Ken创立，联合多位摩根斯坦利分析师，谷歌 Meta工程师利用AI和大数据，配合十多年美股实战经验和业内量化模型，建立了一个股市数据库 \u003Ca href=\"https:\u002F\u002FStockWe.com\u002F\">https:\u002F\u002FStockWe.com\u002F\u003C\u002Fa> 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buy@TradesMax.com 美国电话 626-378-3637","公司介绍","\u003Cp class=\"MsoNormal\">美股大数据 \u003Ca href=\"https:\u002F\u002Fstockwe.com\" target=\"_blank\" rel=\"noopener\">StockWe.com\u003C\u002Fa> 是一个美国领先的金融和美股信息大数据提供商，紧盯华尔街金融市场和行情，2008年成立于美国硅谷，创始人是前纽约证券交易所资深分析师Ken，联合多位摩根斯坦利分析师，谷歌 Meta工程师利用AI和大数据，配合十多年美股实战经验和业内量化交易模型，每天处理海量股票数据：挖掘潜力大牛股，捕捉期权异动大单，实时主力资金流向、机构持仓变化、川普突发新闻，美股买卖信号第一时间发到您手机APP。\u003C\u002Fp>","专业美股投资者都在这里",{"loading":81,"search":82,"searchPlaceholder":82,"hotContent":83,"draft":84,"noData":85,"searchNoData":86,"courseContent":87,"more":88,"buyNow":89,"subscribeNow":90,"encoding":91,"paidContent":92},"Loading...","搜索","热门内容","草稿","目前没有任何内容公布","当前检索内容没有数据","课程内容","更多","立即购买后观看","- 立即订阅 -","视频编码中...","付费内容"]