近三年损失30亿美元！高盛新成立的消费金融部门亏损惊人

华尔街见闻2023-01-13

作者：赵颖“华尔街之王”玩不转消费贷，在这一业务上亏损越来越大。周五，高盛在美国证券交易委员会披露的8-K文件显示，其平台解决方案部门（Fintech和消费金融业务）在2022年1-9月份，税前亏损超过12亿美元，而且每季度亏损都在加速。文件显示，从2020年初到9月底，平台解决方案部门亏损累计达30亿美元。当下周最新一季度的数据发布后，预计三年累计损失将接近40亿美元。从信贷损失准备金数额的来看...

Source Link

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Comments

Sunc
2023-01-13
Sunc
ok

Leave a comment

{"i18n":{"language":"en_US"},"isChannel":false,"data":{"share":"https://ttm.financial/m/news/1187472513?lang=en_US&edition=fundamental","thumbnail":"https://static.tigerbbs.com/1b3684302211042d481cacf9066fbcca","is_english":false,"pubTime":"2023-01-13 22:44","share_image_url":"https://static.laohu8.com/cc96873d3d23ee6ac10685520df9c100","id":"1187472513","market":"us","top_or_hot":-1,"title":"近三年损失30亿美元！高盛新成立的消费金融部门亏损惊人","media":"华尔街见闻","content":"<div>\n<p>作者：赵颖“华尔街之王”玩不转消费贷，在这一业务上亏损越来越大。周五，高盛在美国证券交易委员会披露的8-K文件显示，其平台解决方案部门（Fintech和消费金融业务）在2022年1-9月份，税前亏损超过12亿美元，而且每季度亏损都在加速。文件显示，从2020年初到9月底，平台解决方案部门亏损累计达30亿美元。当下周最新一季度的数据发布后，预计三年累计损失将接近40亿美元。从信贷损失准备金数额的来看...</p>\n\n<a href=\"https://wallstreetcn.com/articles/3679833\">Source Link</a>\n\n</div>\n","source":"live_wallstreetcn","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>近三年损失30亿美元！高盛新成立的消费金融部门亏损惊人</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n近三年损失30亿美元！高盛新成立的消费金融部门亏损惊人\n</h2>\n\n<h4 class=\"meta\">\n\n\n2023-01-13 22:44 北京时间&nbsp;&nbsp;&nbsp;<a href=https://wallstreetcn.com/articles/3679833><strong>华尔街见闻</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>作者：赵颖“华尔街之王”玩不转消费贷，在这一业务上亏损越来越大。周五，高盛在美国证券交易委员会披露的8-K文件显示，其平台解决方案部门（Fintech和消费金融业务）在2022年1-9月份，税前亏损超过12亿美元，而且每季度亏损都在加速。文件显示，从2020年初到9月底，平台解决方案部门亏损累计达30亿美元。当下周最新一季度的数据发布后，预计三年累计损失将接近40亿美元。从信贷损失准备金数额的来看...</p>\n\n<a href=\"https://wallstreetcn.com/articles/3679833\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"GS","symbol_name":"高盛","start_time":0,"source_url":"https://wallstreetcn.com/articles/3679833","article_id":"1187472513","we_media_id":null,"thumbnails":["https://static.tigerbbs.com/1b3684302211042d481cacf9066fbcca"],"rights":{"source":"live_wallstreetcn","url":"https://wallstreetcn.com/articles/3679833","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=1187472513","pubTimestamp":1673621042,"sourceInfo":{"source_id":"live_wallstreetcn","name":"华尔街见闻"},"weMediaInfo":null,"summary":"在转型消费金融的过程中，高盛付出了惨痛代价。","collect":0,"end_time":0,"defaultTopTitle":"wallstreetcn.com","property":[],"viewcount":null,"language":"zh","relate_stocks":{"GS":"高盛"},"translate_title":"Lost $3 billion in the past three years! Goldman Sachs' new consumer finance division is losing a lot of money","themeId":"","isJumpTheme":false,"ttsUrl":"https://static.tigerbbs.com/66fef4ef3c36a46241f5a64f0ef39536","symbols_score_info":{"GS":0.9},"content_text":"作者：赵颖“华尔街之王”玩不转消费贷，在这一业务上亏损越来越大。周五，高盛在美国证券交易委员会披露的8-K文件显示，其平台解决方案部门（Fintech和消费金融业务）在2022年1-9月份，税前亏损超过12亿美元，而且每季度亏损都在加速。文件显示，从2020年初到9月底，平台解决方案部门亏损累计达30亿美元。当下周最新一季度的数据发布后，预计三年累计损失将接近40亿美元。从信贷损失准备金数额的来看，去年损失将达到20亿美元。这一业务最新源于高盛CEO所罗门的“零售银行梦”，2016年高盛推出消费者银行业务Marcus，向零售消费者提供贷款、储蓄和存单等产品，还通过与苹果公司的合作向消费者提供信用卡Apple Card。然而，高盛消费金融业务发展过程十分坎坷，领导层更替、监管调查、亏损大幅攀升。由于持续飙升的成本和建立新业务线困难重重，高盛在去年10月推出史上最大规模重组，分拆消费金融业务。高盛把四大业务部门合并为三个，投资银行和交易业务、资产管理和财富管理以及平台解决方案部门（包括零售银行中面向企业客户的业务、Fintech 平台投资业务、专业贷款机构 GreenSky 以及其与苹果公司（Apple Card）、通用汽车的合作业务）。其中，投资银行和交易业务可能是唯一盈利的业务。此外，媒体援引知情人士指出，平台解决方案部门2021年报告的10亿美元税前亏损主要与Apple Card有关，他们表示2022年约20亿美元亏损是由Apple Card和分期贷款平台GreenSky导致的。高盛的整体消费者业务最初曾预计将在去年年底实现收支平衡，知情人士称，平台解决方案部门的高管们现在预测，该部门可能在2025年的某个时候实现这一目标，但最终情况尚未确定。与此同时，面对巨额亏损的压力，高盛CEO所罗门正在寻求其他方式来缩减支出，本周高盛拉开史上最大规模裁员的序幕、并考虑将投行部门员工奖金池缩减至少40%后，同时启动了金融危机以来最大规模的降本计划，矛头直指新技术部门、消费部门等各方面指出，评估从购置私人飞机到差旅、会议乃至外部供应商的各项费用。","kind":null,"is_publish_news":true,"is_publish_highlight":true,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[{"id":9958303199,"gmtCreate":1673624149112,"gmtModify":1676538866853,"author":{"id":"3576729709142650","authorId":"3576729709142650","name":"Sunc","avatar":"https://static.tigerbbs.com/12ea94f8a6bfc2835bf320bed8216f7d","vip":1,"crmLevel":2,"crmLevelSwitch":0,"authorIdStr":"3576729709142650","idStr":"3576729709142650"},"htmlText":"ok","listText":"ok","text":"ok","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9958303199","repostId":1187472513,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"}],"isCommentEnd":false,"newsSizeData":{"likeSize":29,"commentSize":1,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"deviceId":"web-server-community-laohu8-v3","version":"4.29.1","shortVersion":"4.29.1","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/1187472513"}