融360申请在美IPO， 中概赴美上市再起高潮

融360申请在美IPO，

拟募资金2亿美元

 中概股赴美上市再起高潮

最近是中概股赴美上市高峰期，尤其是网贷公司：

刚刚，10月20日，

融360美国东部时间周五晚 （10月20日）向证券交易委员会（SEC）提交招股说明书(FORM F-1)，计划通过首次公开招股募集最多2亿美元资金。

融360目前尚未确定在纽交所或纳斯达克证券交易所挂牌交易，证券代码也未确定。

IPO投行包括：高盛、摩根士丹利、摩根大通和华兴资本。

审计师是普华永道中天北京。

融360本次上市的主体是简普科技，10月21日，融360创始人叶大清发内部信表示，“简单和普惠将成为我们新的名字。在六周年之际，我代表公司向大家正式宣布：融360已成立简普科技，这将更加明确我们作为一家以数据、科技和AI服务金融的公司战略方向。与此同时，我们已经以简普科技名义提交IPO申请，开启上市进程。”

简普科技是融360的全资控股子公司，注册在开曼群岛，在香港设子公司简普（香港）有限公司，再控股北京融世纪信息技术有限公司，以搭建一个VIE结构。

根据融360官网提供的信息显示，该公司成立于2011年10月，是中国领先的移动金融智选平台。融360致力于为个人消费者和小微企业提供金融产品的搜索、推荐和申请服务，业务范围涵盖贷款、信用卡与理财。此外，融360还免费为用户提供便捷、划算、安全的金融信息服务。

融360平台上的金融产品来自银行、小额贷款公司、消费金融公司、担保公司、典当行、互联网金融公司等机构。

公司于2015年10月完成D轮融资，由云锋基金、赛领基金领投，红杉资本及StarVC跟投，融资金额超过10亿元人民币。前三轮的投资机构主要有光速安振（Lightspeed）, 红杉中国基金，淡马锡旗下兰亭投资、凯鹏华盈（KPCB）、华兴资本和清科集团 （Zero2IPO）。

主要财务数据

招股说明书显示，在截至6月30日的上半年，融360的营收为3.934亿元（约合5803万美元），高于上年同期的人民币1.459亿元。其中，贷款业务营收为人民币3.621亿元（约合4620万美元），高于上年同期的人民币9230万元；信用卡业务营收为人民币4860万元（约合720万美元），高于上年同期的人民币2920万元；广告、营销和其它服务营收为人民币3130万元（约合460万美元），高于上年同期的人民币2440万元。

融360 2016年的营收为3.564亿元（约合5260万美元），高于上年同期的人民币1.684亿元。其中，贷款业务营收为人民币2.388亿元（约合3520万美元），高于上年同期的人民币1.167亿元；信用卡业务营收为人民币6490万元（约合960万美元），高于上年同期的人民币3840万元；广告、营销和其它服务营收为人民币5260万元（约合780万美元），高于上年同期的人民币1320万元。

融360今年上半年的营收成本为人民币4080万元（约合600万美元），高于上年同期的人民币3480万元。该公司2016年全年的营收成本为人民币6670万元（约合980万美元），高于上年同期的人民币3440万元。

融360今年上半年的毛利润为人民币3.526亿元（约合5200万美元），高于上年同期的人民币1.111亿元。该公司2016年全年的毛利润为人民币2.897亿元（约合4270万美元），高于上年同期的人民币1.340亿元。

融360今年上半年的销售与营销支出为人民币3.400亿元（约合5020万美元），高于上年同期的人民币1.747亿元；研发支出为人民币4480万元（约合660万美元），高于上年同期的人民币3330万元；总务与行政支出为人民币1170万元（约合170万美元），高于上年同期的人民币790万元。

融360 2016年的销售与营销支出为人民币3.829亿元（约合5650万美元），高于上年的人民币2.624亿元；研发支出为人民币7280万元（约合1070万美元），高于上年同期的人民币4540万元；总务与行政支出为人民币1630万元（约合240万美元），高于上年同期的人民币2240万元。

融360今年上半年的运营亏损为人民币4390万元（约合650万美元），上年同期的运营亏损为人民币1.047亿元。融360 2016年的运营亏损为人民币1.823亿元（约合2690万美元），上年的运营亏损为人民币1.962亿元。

融360今年上半年的净亏损为人民币4900万元（约合720万美元），上年同期的净亏损为人民币1.046亿元。融360 2016年的净亏损为人民币1.821亿元（约合2680万美元），上年的净亏损为人民币1.962亿元。

股权结构

招股说明书显示，在公司首次公开招股之前，融360联合创始人、首席执行官叶大清持有公司33,254,625股股票，占总股本的9.6%；联合创始人、首席运营官陆佳彦持有公司28,738,439股股票，占总股本的8.3%；联合创始人、首席技术官刘曹峰持有公司13,377,901股股票，占总股本的3.9%。融360高管及股东合计持有公司174,164,556股股票，占总股本的50.4%。

融360的主要股东包括与红杉资本有关联的投资基金，它们合计持有公司60,774,881股股票，占总股本17.6%；光速安振持有公司57,775,200股股票，占总股本的16.7%；春盛投资有限公司持有公司25,760,000股流通股，占总股本的7.5%；云峰基金旗下Article Light Limited持有的23,411,229股流通股，占总股本的6.8%；火炬国际投资有限公司（Torch International Investment Ltd）持有的23,411,229股流通股，占总股本的6.8%；凯鹏华盈中国基金II持有的20,920,000股流通股，占总股本的6.1%；LEFT BK Holdings Ltd持有的17,663,915股流通股，占总股本的5.1%。

来来来，一起看看该公司的管理层

 Mr. Daqing (David) Ye is our co-founder and has served as chairman of RONG360 Inc.'s board of directors and its chief executive officer since its inception. Mr. Ye has 20 years of experience in operations and management of internet business and consumer financial institutions in China and the United States. Before founding our company, he served as head of marketing for PayPal, China from 2009 to 2011, director of digital marketing capabilities of American Express Company's, Risk, Information & Banking Group in New York from 2007 to 2009, and senior manager of marketing analysis at AOL Inc. from 2004 to 2007. Mr. Ye started his career as a risk data analyst at Capital One Financial Corporation's risk strategy and analysis team in 1998, and later worked as a credit risk manager at Global Credit Assurance & Consulting team, and managed statisticians and data analysts at the acquisition marketing team of Capital One's Under Served Markets group from 2000 to 2004. Mr. Ye received a bachelor's degree in engineering from Hunan University in China and a master's degree in finance from the George Washington University in the United States. He is an EMBA candidate at the PBoC School of Finance, Tsinghua University.

        Mr. Jiayan Lu is our co-founder and has serviced as RONG360 Inc.'s director since August 2015 and chief operating officer since its inception. Prior to founding our company, Mr. Lu served as deputy director of Pudong branch, deputy general manager of Shanghai branch and deputy general manager of operations of the Bank of Ningbo from 2007 to 2011. Mr. Lu worked as the manager of the customer service center of Royal & Sun Alliance Insurance plc in greater China from 2004 to 2007 and director of the customer service center of Standard Chartered Bank from 2002 to 2004. Mr. Lu received a bachelor's degree in international finance from Shanghai Jiaotong University in 1997 and an MBA degree from Shanghai Jiaotong University in 2002.

        Mr. Caofeng Liu is our co-founder and has served as RONG360 Inc.'s chief technology officer since its inception. Prior to founding our company, Mr. Liu served as research and development manager at Baidu, Inc. from 2008 to 2011, senior research and development manager at kuxun.com from 2006 to 2008 and architect at tq.com from 2004 to 2006. Mr. Liu received a bachelor's degree in electronic engineering from Nanchang Hangkong University in 2004.

        Mr. Chenchao Zhuang has served as RONG360 Inc.'s director since February 2012. Mr. Zhuang is a co-founder and managing director of Zebra Global Capital, a technology private-equity firm in China. Prior to that, Mr. Zhuang was a co-founder and chief executive officer of Qunar Cayman Islands Limited from June 2011 to January 2016, where he and his team grew Qunar from a small technology startup to become a leading online travel company. Prior to co-founding Qunar, Mr. Zhuang worked for the World Bank as a system architect based in Washington, D.C. from 2001 to 2005. Prior to moving to Washington, D.C., Mr. Zhuang was the chief technology officer of Shawei.com, a leading sports portal website in China. Mr. Zhuang received a bachelor's of science degree in electrical engineering from Peking University in 1998.

        Mr. James Qun Mi has served as RONG360 Inc.'s director since July 2012. Mr. Mi has served as a managing director of Lightspeed China Partners, a China-focused early-stage venture capital firm with investments in internet, mobile and information technology, since co-founding it in 2011. Mr. Mi served as a managing director of Lightspeed Venture Partners from 2008 to 2011. From 2003 to 2008, Mr. Mi worked for Google, first as its head of Asia Products and the chief representative of its representative office in China, and later as a director of corporate development for strategic investments and mergers and acquisitions in the greater China area and the pan-Asian region. Mr. Mi holds 14 U.S. patents in flash memory, communications, internet security and commerce. Mr. Mi is also a director of 17 privately held companies. Mr. Mi received a bachelor's degree in physics from Fudan University in 1989 and a master's degree in electrical engineering from Princeton University in 1991.

        Mr. Kui Zhou is a partner at Sequoia Capital China who has been focusing on early investments in the technology, media, telecom and healthcare industries. Currently he serves as a director of each of Yitu Technology, Eversec, Pony AI, Winona, Dada Nexus, IngageApp and E.T.XUN. Prior to joining Sequoia in 2005, Mr. Zhou spent many years at Lenovo Group. He received a master's degree of business administration from Tsinghua University in 2000.

        Ms. Yuanyuan Fan has served as RONG360 Inc.'s director since August 2015. Ms. Fan is a partner and managing director of Sailing Capital. She has more than 10 years of experiences in private equity investments, consulting and financial services in both the United States and China. She worked at Pacific Asset Management from 2010 to 2012 and McKinsey & Company from 2008 to 2010. She received an MBA degree from Cornell University in 2003 and a bachelor's degree from Shanghai University of Finance & Economics.

        Mr. Denny Lee will serve as our director commencing from the SEC's declaration of effectiveness of our registration statement on Form F-1, of which this prospectus is a part. Mr. Lee has served as a director of NetEase, Inc., a leading internet and online game service provider in China listed on the Nasdaq Global Select Market, since 2002. He was the chief financial officer of NetEase, Inc. from 2002 to 2007. Prior to joining NetEase, Inc., Mr. Lee worked in the Hong Kong office of KPMG for more than ten years. Mr. Lee currently serves as an independent non-executive director and the chairman of the audit committees of the following three companies: (1) New Oriental Education & Technology Group Inc., a provider of private education services in China listed on the New York Stock Exchange, (2) Concord Medical Services Holdings Limited, a leading specialty hospital management solution provider and operator in China listed on the New York Stock Exchange, and (3) China Metal Resources Utilization Ltd., a company principally engaged in the manufacturing and sales of copper and related products in China listed on the main board of Hong Kong Stock Exchange. Mr. Lee graduated from the Hong Kong Polytechnic University majoring in accounting and is a member of The Hong Kong Institute of Certified Public Accountants and The Chartered Association of Certified Accountants.

        Mr. Yilü (Oscar) Chen has served as RONG360 Inc.'s chief financial officer since December 2016. Mr. Chen served as the chief financial officer of Jia.com from July 2015 to November 2016. Prior to that, Mr. Chen served as executive director at Fosun Kinzon Capital from July 2014 to July 2015, executive director at Goldman Sachs Gao Hua Securities from 2006 to 2014, vice president at Changjiang BNP Pribas Peregrine from 2005 to 2006, assistant general manager of the investment banking division at China Southern Securities Co., Ltd. from 2000 to 2005 and assistant audit manager  at KPMG from 1997 to 2000. Mr. Chen received a bachelor's degree in international business management from Shanghai University of International Business and Economics in 1997.