9credit 日报 · 2026-07-28

01总体大盘 · Real-time Top Summary 完整小时截至 04:59 · 05:00进行中不计入环比 | 花费含汇率系数

💰

今日总花费

$123.17

昨日同期 $133.46 -7.7%

📝

注册成本 CPA

$0.38

花费 $123.17 ÷ 注册 327

🏦

今日放款量

12

完整至04时

💵

放款成本 CPL

$10.26

花费 $123.17 ÷ 放款 12

✅

审批通过率

17.2%

riskpass 54 ÷ apply 314

🎯

打款率

22.2%

放款 12 ÷ 审批通过 54

📈

放款/注册率

3.7%

放款 12 ÷ 注册 327

02每小时消耗折线对比独立每小时消耗（非累计）| 环比仅完整小时

Google Ads 今日 $70.18 | 昨日同期 $84.24 | 昨日全天 $1,371 -16.7% 环比 · 05点进行中未计入

Meta/FB 今日 $15.36 | 昨日同期 $12.19 | 昨日全天 $251.23 +26.0% 环比 · 05点进行中未计入

TikTok 今日 $37.66 | 昨日同期 $37.01 | 昨日全天 $328.93 +1.8% 环比 · 05点进行中未计入

03渠道综合数据表 ★ 花费 = 媒体API实时数据（含系数）

渠道	Install	注册	申请	Approved	放款	均单金额	申请金额	ROI	花费 ★	CPI	CPA	CPS	审批率	风控通过率
Google Ads	131	100	109	27	8	$2.20	$239.34	10.2%	$70.17	$0.54	$8.81	$8.81	24.8%	100.0%
Organic	79	48	57	12	2	$0.07	$3.81	0.0%	$0.00	$0.00	$0.00	$0.00	21.1%	100.0%
TikTok	129	113	88	7	1	$0.02	$1.47	0.1%	$38.22	$0.31	$40.26	$40.26	8.0%	100.0%
Meta (FB+IG+AN) FB+IG+AN合并	57	41	30	7	1	$0.07	$2.05	0.2%	$15.60	$0.63	$35.98	$35.98	23.3%	100.0%
opay	25	20	27	1	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	3.7%	100.0%
Untrusted Devices	4	3	3	0	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	0.0%	0.0%
offical_website	1	1	0	0	0	$0.00	$0.00	0.0%	$0.00	$0.00	$0.00	$0.00	0.0%	0.0%

04Campaign 细分下钻大盘平均CPA = $10.33；预警阈值 = $13.95（×1.35）

渠道	Campaign	Install	注册	申请	Approved	放款	花费	CPA	CPS	ROI	审批率	标记
Google Ads ACI	Nigeria-9c-1113-credit5000+ (20959936961)	121	91	98	24	6	$62.35	$10.39	$10.39	6.7%	24.5%	—
TikTok SAN	TT-9C-3/31-loan-test (1861178003155986)	124	106	66	4	1	$37.93	$37.93	$37.93	0.1%	6.1%	—
Google Ads ACI	GG-9credit-3.0-loan-5/26-test (23885913778)	6	6	8	3	2	$8.16	$4.08	$4.08	36.8%	37.5%	—
TikTok SAN	TT-9credit-6/29-loan-test (1869315867073858)	2	0	0	0	0	$2.18	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-LOAN-6/12-time (1834710892745777)	3	7	21	3	0	$0.15	$0.00	$0.00	0.0%	14.3%	—
Google Organic Search	app to get loan without bvn	1	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	legit loan apps in nigeria without bvn	1	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	top 20 loan app in nigeria	1	1	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Organic Search	what is the best app recommended in nigeria for loan apart from okash	1	1	0	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
Google Ads ACI	飞书-9c-1/17-credit5000+ (22545060648)	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—
TikTok SAN	TT-9C-4/19-Purchase (1829813881647106)	0	0	1	0	0	$0.00	$0.00	$0.00	0.0%	0.0%	—

05占比分析

💰 花费占比

🏦 放款量占比

💡 当前 Google 消耗占比最高（56.6%），放款量占比仅为（66.7%），CPA = $8.77，请注意优化投放效率。

06智能优化建议引擎Campaign预警1条·扩量1条·渠道策略3条 | 大盘CPA $13.78·目标$5.00·放款率4.2%

🎯 Campaign 预警 & 机会

💸CPA超标TIKTOKTT-9C-3/31-loan-test (1861178003155986)

📊 CPA $37.93 vs 大盘 $13.78，超出175.0%

👉 ✂️ 削减20%预算或优化出价/素材后观察

🚀扩量机会GOOGLEGG-9credit-3.0-loan-5/26-test (23885913778)

📊 放款率33.3%(大盘4.2%)，ROI 36.8%

👉 📈 提高预算+20%（+$1.63/日），低成本窗口

💼 渠道预算策略建议

🟢加大 Google 投入 +15%

CPA $8.77 低于大盘36.0% | 花费占比57.0% / 放款占比89.0%

💡 日预算提高+15%（约+$10.53），优先放量

🔴压缩 TikTok 预算 -20%

CPA $38.22 高于大盘177.0% | 花费31.0% vs 放款11.0%

💡 削减约-$7.64/日，资源向Google倾斜

🏆整体ROI达标（6.0% ≥ 5.0%）

申请金额 $246.66，总花费 $123.99

💡 可适度扩大总预算10-15%，测试放量上限

📊 9credit 广告日报