Robinhood(HOOD)试水信用卡资产抵押发债加强高端金融服务布局

金吾财讯

Jul 14

金吾财讯 | 据知情人士消息，美股零售交易平台Robinhood Markets(HOOD)筹划新一轮债券融资，拟发行规模至少4亿美元的证券产品，本次债券以公司信用卡账单资产作为抵押担保，属于企业首次落地此类资产抵押融资模式。受该融资消息影响，HOOD股价在周一午盘交易中回落2.36%，收盘报109.33美元，市场对公司债务扩张及业务转型节奏保持审慎关注。

本次债券发行采用分拆发售模式，整体证券产品分为四部分对外出售，其中评级最优的证券档位初步定价较市场基准利率溢价约0.8个百分点，融资成本处于可控区间。不同于传统股权融资与信用债融资，本次以信用卡应收账单为底层资产发债，是公司盘活消费金融存量资产、拓宽低成本融资渠道的全新尝试，助力企业优化债务结构、补充运营现金流。

本次融资落地于Robinhood金融服务多元化扩张阶段，公司持续跳出传统美股加密交易业务范畴，深耕消费金融赛道。今年3月，企业正式推出白金信用卡产品，精准覆盖高收入、高净值客群，发力高端个人金融服务领域，逐步构建交易、信贷、消费金融一体化服务体系。后续债券发行落地进度、融资资金用途及高端信用卡业务转化效果，将成为观测公司第二增长曲线的核心依据。

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