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生殖腔被两根进入ABO_提升战斗力的最佳选择,速来了解!
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生殖腔被两根进入ABO_提升战斗力的最佳选择,速来了解!

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撰文|杨波

什么?互联网金融平台竟然跨界造车了? 

没错,就是那个曾因暴力催收被调查的51信用卡。或许很多人会疑惑,51信用卡何时涉足造车领域的呢?说实话,小编初次听闻时,也深感诧异。

作为长期密切关注汽车行业发展动态的一员,小编也是首次得知51信用卡造车已有1年之久。这实在是过于低调了!

日前,51信用卡主动披露了造车业务数据。2025年第一季度,集团向用户批量交付了Vala汽车99辆,收获190笔购车订单,历史累计订单达442笔。这意味着今年一季度,平均每天能售出1辆车。

大家不妨探讨一下,这一成绩在造车新势力中处于何种水平?

1

51信用卡的艰难转型

51信用卡成立于2012年,最初以信用卡账单管理业务起步。借着互联网金融蓬勃发展的东风,顺利进入P2P行业,并于2018年成功在港交所上市,迎来发展的高光时刻。上市当年,公司营业收入达到28.12亿元,归母净利润达21.61亿元,创下历史峰值。

然而,尴尬的是,上市次年51信用卡便深陷暴力催收风波。2019年,51信用卡委托的外包催收公司冒充国家机关,采用恐吓、滋扰等软暴力手段催收债务,该行为涉嫌寻衅滋事等犯罪,被警方依法查处。

风波过后,51信用卡创始人孙海涛发文致歉,公司也在当年年底主动停止P2P资金的新增撮合业务。从2020年开始,51信用卡将业务重心转移至信用卡管理、信贷撮合、SaaS等业务。

但业务转型引发了严重的财务震荡。2020年,51信用卡营收仅2.74亿元,相较于2019年同期的约20.45亿元,下降了86.6%;毛利从11.75亿元转变为亏损3464万元。

自2020年转型以来,51信用卡的营收始终难以实现突破,一直处于低位徘徊。毛利也从2019年的11.75亿元的较高水平,降至几千万至1亿多元的区间。

51信用卡的传统业务包括信贷撮合(即助贷业务,通过收取一定服务费盈利)、信用卡科技服务(帮助银行办理信用卡以赚取费用)以及SaaS服务(主要是将部分贷款需求引流给第三方,获取介绍费)。

随着互联网金融日益成熟,渠道愈发分散,51信用卡急需开拓新的业务领域,讲出新的商业故事。

2022年,趁着本地及周边旅游热潮兴起,51信用卡创建了“51CAMP”连锁营地品牌,正式进军户外领域。51信用卡充分利用年轻客户群体庞大的优势,组织露营活动、提供露营装备、开发露营相关应用等。通过大力布局露营业务,2023年51信用卡实现净利润扭亏为盈,达到0.11亿元。

露营在疫情期间热度极高,但随着疫情逐渐消退,消费者对于短途旅行和露营的热情也随之减退。

在这样的背景下,孙海涛决定亲自投身造车领域。毕竟,造车有望推动公司市值大幅提升。而且,与其他造车新势力不同,51信用卡选择了一条极为小众的造车路线。

2

为何新车销量不佳?

2024年4月19日,51信用卡旗下的吾壹汽车联合北汽制造,实现Vala车型的量产。资料显示,Vala定位为国内首款量产的沉浸式多功能车。同年12月,valapro纯电版正式上市,CLTC工况续航里程为505公里,官方指导价为26.8万元。

据悉,51信用卡采用的是轻资产造车模式。据孙海涛透露,51方面并不涉足生产线,仅提供设计方案。也就是说,借助汽车厂原有的生产线,实现类似“定制化”的生产模式。

孙海涛还表示,Vala前期投入在几千万级别,“这在汽车行业算是极少的,通常汽车研发投入都是以几亿元起步。”

花这点钱,显然不可能造车一台原创车型。用通俗的话来讲,这就是一台“换壳”车。有汽车之家的网友指出,Vala本质上就是锐胜王牌M7(BAW北汽)的换壳车型,甚至连后尾灯都未作改动。这种造车方式确实成本较低。

但是,孙海涛引以为豪的外形设计,却是被吐槽最厉害,最狠毒的,说很像....

小编去了解了一下,这种车型有点类似于房车,但是和房车又存在差异。

Vala提供了一个宽敞的空间,用户可根据自身需求将其灵活切换为客厅、书房、大床等功能区域;厂家还提供电视、空调、电地暖、淋浴组件、厨房等配置,以满足用户办公、做饭、睡觉等日常需求。车顶还能顶升,相当于拥有上下两张床,宛如一个移动的“家”。想象一下,对于在CBD辛苦打拼的上班族而言,倘若购置这样一辆车,是不是就相当于同时拥有了房子和车子?周末还能开着它去露营,随时随地享受野餐的乐趣。

说实话,看到这些介绍,小编都有些心动了。毕竟在大城市里,买房压力巨大,如果咬咬牙购买一辆20多万元的此类车型,确实能解决住房和出行两大难题,还能拥有诗和远方,谁能不向往呢?

据孙海涛介绍,在国外,移动生活早已成为一种主流生活方式,各个年龄层和社会阶层中,都有许多人钟情于这种“随开随停随住”的自由生活模式。所以,这款车型的主要目标客户群体,应当是具备一定经济实力、追求自由生活的人群。

但是在中国,房车式的移动生活方式并不被大众所接受,有钱购置额外的房车,想必根本不缺钱,如果花费20多万元购买这辆车,既当出行工具又当“家”,恐怕难以得到家人的认可。假如不幸流入到相亲市场,女方一问条件,你说“只有辆像家的车”,恐怕连媳妇儿都难娶到。

另外,Vala的营销方式也极为独特。它既没有设立4S店,也不投放广告,而是采用Vala“共创人计划”,依靠车主充当“野生销售员”。

怪不得小编以前都不知道这个车,车型小众,没有宣传,不打广告,谁知道啊?销量这么低,没毛病。

3

造车压力巨大

根据51信用卡公布的数据,截至今年3月31日,Vala共创人仅有110名。仅依靠这110名“野生销售员”,车辆销售难度可想而知。难道是因为资金紧张,无法投放广告?

尽管51信用卡一直宣称采用“轻资产”造车模式,但实际投入并不少。根据财报披露,2024年公司净亏损为6901.8万元,与2023年的净亏损314.8万元相比,同比扩大21倍。亏损的主要原因在于汽车业务Vala产生的研发支出及运营成本大幅增加,此外信贷撮合业务规模也有所收缩。

以“人民需要什么,五菱就造什么”著称的五菱汽车,早已布局多款房车、露营车,但发展同样面临诸多困难。那么,51信用卡又凭借什么在这一领域取得成功呢?

孙海涛在一次采访中透露,ValaPro今年的目标销量为2000台。就目前的销售情况来看,要实现这一目标无疑面临着巨大挑战。

孙海涛还表示,这个赛道规模可达百亿美元,他的目标是让Vala成为汽车行业的iPhone,甚至计划将51信用卡上市公司的名称改为Vala……目标过于宏大,过于远了,前行的道路依然充满坎坷,先活下来再说吧。 

26.8万元,你会买这个车吗?

大家对此有何看法呢? 

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