Instant Consumer Finance Co., Ltd
Immediate consumer finance is a technology driven financial institution with consumer finance license held by China Banking Regulatory Commission. The company officially opened in June 2015 and completed three capital and share increases in 2016, 2017 and 2018, with a registered capital of 4 billion yuan. Shareholders include Chongqing Department Store Co., Ltd. (600729. SH), Beijing Zhongguancun Kejin Technology Co., Ltd., Wumart Technology Group Co., Ltd., Bank of Chongqing Co., Ltd. (01963. HK), Sunshine Property Insurance Co., Ltd., Zhejiang China Commodity City Group Co., Ltd. (600415. SH), etc.
Adhering to the mission of "making life easier", consumer finance is now "user centered", focusing on Inclusive Finance, and striving to become the most trusted financial service provider through technology enabling innovation.
On September 1, 2019, the list of top 500 Chinese service enterprises in 2019 was released in Jinan, and immediate consumer finance Co., Ltd. ranked 347. On December 13, 2019, the list of top 100 Chongqing enterprises in 2019 was released, and immediate consumer finance Co., Ltd. ranked 43rd.
Company profile
Instant Consumer Finance Co., Ltd. (hereinafter referred to as "instant consumer finance") is a financial institution approved by China Banking Regulatory Commission. Immediate consumer finance was officially opened in June 2015, with the introduction of Chongqing department store, Bank of Chongqing, Wumart group, sunshine insurance, Zhejiang Commodity City and other shareholders, forming a dynamic diversified mixed ownership shareholder structure. The registered capital is 4 billion yuan.
Dr. Zhao Guoqing, founder and chairman of immediate consumer finance, is the former co chairman and Chief Strategic Officer (CSO) of Jingdong. He is the president of Zhongguancun Internet Finance Association and a member of China Internet association. He holds an EMBA degree from CEIBS and an EMBA degree from Wudaokou School of finance of Tsinghua University. Now we are engaged in the entrepreneurial tide of Internet finance, and founded the first online and offline Internet consumer finance company, instant Consumer Finance Co., Ltd.
development history
2014
In June, we completed the selection of shareholders, the construction of shareholder structure, and the negotiation of articles of association and contract
In December, it was approved by China Banking Regulatory Commission to set up immediate consumer finance Co., Ltd
In December, it only took 28 days to obtain the approval of CBRC, and the document No. [2014] 980 was issued by CBRC
2015
In January, a team was formally established for joint development
The first shareholders' meeting, board of directors and board of supervisors were held in April
Official website launched in May
It officially opened in Chongqing in June
In June, it passed the acceptance of Chongqing banking regulatory bureau and the credit investigation acceptance of Chongqing Business Management Department of the central bank, and obtained the financial license and business license issued by Chongqing banking regulatory bureau
On June 19, 2015, an operation ceremony was held, and mayor Huang Qifan was invited to attend the ceremony
On June 19, 2015, the main app product "instant loan" was launched in the internal test, which is open to white list users and invited users
On June 26, 2015, APP product "instant loan" officially opened for registration
In July, it was rated as an excellent case of Inclusive Finance by "China Internet Conference"
Connect the central bank's credit information system in September
"Instant finance" app launched in November
The number of registered users exceeded 1 million in December
2016
In January, the app was launched by stages and the easy flower app was launched immediately
In March, he was elected as the director of China Internet Finance Association
Self developed luma risk control system launched in May
In August, the company increased capital and shares for the first time, with a registered capital of 1.3 billion yuan
In September, the first batch of access to the credit information sharing platform of China Internet Finance Association
Alipay service window October
The first fiscal year in December was profitable
Cooperation with China Mobile, China Unicom and China Telecom in December
2017
The number of registered users exceeded 10 million in February
Self developed G! Color intelligent post loan management system launched in March
Self developed xma intelligent customer service system launched in June
The second capital increase in July reached 2.2 billion yuan
July independently developed facex live face recognition technology 2.0 Online
Self developed OCR system launched in September
In November, independent research and development of intelligent contact center system ICC was launched
In May 2017, the maximum daily loan amount of immediate finance exceeded 300 million yuan
2017-01 new version of "instant loan" app launched
2018
In January, the monthly tax payment exceeded 100 million
In April, the total amount released exceeded 100 billion yuan
In May, it was approved to set up post doctoral research workstation to carry out post doctoral work
In May, it was officially approved to enter the national interbank market
In June, the first batch of contracts were signed with China's first market-oriented credit reference institution, baihang credit reference Co., Ltd
The third capital increase to 4 billion yuan in June
In September, independent R & D immediately launched the financial cloud
In October, the "smart finance and big data analysis laboratory" was approved as a provincial and ministerial Key Laboratory
More than 50 million registered users in October
In October, ACMP 1.0 was launched
In December, 1.07 billion yuan of tax revenue and 2000 jobs were created+
In December, the two application projects won the first class achievement award of the non bank organization group of the bank information technology risk management project of the CIRC in 2018
Passed CMMI certification of Capability Maturity Model Integration in December
2019
In March, Zhao Guoqing, founder and CEO, was selected as the fourth batch of national "ten thousand talents plan" technology entrepreneurship leading talents of the Organization Department of the CPC Central Committee, becoming the only person in charge of a licensed consumer financial institution who was also the first to be selected as the national leading talents
In May, AI research institute independently developed online intelligent vacancy number detection system
In May, it was approved by China Banking and Insurance Regulatory Commission to start ABS business
In July, we independently developed and completed the edge computing intelligent algorithm library
In July, the lip recognition live detection system developed independently was officially launched
In July, Zhao Guoqing, founder and CEO, was selected as the 2018 science and technology innovation and Entrepreneurship Talent of the Ministry of science and technology of the people's Republic of China
In August, the intelligent voice system was launched and the intelligent interruption service was provided
Self developed AI intelligent double recording system in September to help the financial industry achieve compliance and efficiency
In September, he was elected vice chairman of Chongqing Liangjiang digital economy industry alliance
Selected into "top 500 Chinese service enterprises in 2019" in September
In November, ASR technology made a breakthrough, with online process quality inspection system and real-time intelligent voice online quality inspection system
In November, it was awarded "Chongqing municipal intellectual property advantage enterprise in 2019"
In November, postdoctoral work won the talent policy incentive bonus of Chongqing Liangjiang New Area
In November, the first phase ABS was issued, with a scale of over 2 billion, setting the largest scale record of the first phase ABS of inter-bank licensed consumer finance company
In December, 952251 national unified service hotline was officially released
"Double optimization" predictive outbound call algorithm model launched in December
In December, it won the certification of "2019 Chongqing recognized enterprise technology center"
In December, the company continued to be listed as "KPMG China's top 50 financial technology enterprises" for four consecutive years
In December, it was selected into the list of "top 100 Chongqing enterprises" and "top 100 Chongqing service enterprises"
In December, it became the co construction unit of "Chongqing applied mathematics center"
In December, "new retail face brushing payment system for multi scene" was selected into the "list of Chongqing new smart city construction demonstration projects"
2020
In January, it was shortlisted in the list of key tasks of the Ministry of industry and information technology for the innovation of the new generation of artificial intelligence industry, and ranked in the "national team" for the innovation of the new generation of artificial intelligence industry
In February, Chongqing applied mathematics center, which participated in the co construction, became the first batch of National Applied Mathematics centers and the only "National Applied Mathematics center" in Chongqing
In February, it obtained the national high tech enterprise certification
In April, the number of registered users exceeded 100 million
In April 2020, the first phase of ABS was successfully issued, and the priority A-class coupon rate was only 3.5%, a new low
In April, it passed the national standard of intellectual property management system (GB / t29490-2013) certification, becoming the first financial institution in Chongqing to pass the certification
In May, the silent living detection technology won the first prize of excellent project of Chongqing Banking Association
In June, the first batch of mobile financial apps of "comfort flower" were put on record
In June, it was selected into the top 50 list of China's financial technology and recognized by cbinsights, a world-renowned market research institution
In July, he was shortlisted in the top 100 of China's AI business value potential in 2020 at the world AI conference“
Approved by CIRC to issue financial bonds in August
In August, he was elected as one of the first group members of the artificial intelligence sub committee of the national beacon Commission, and formally joined the national team of artificial intelligence standardization
In September, seven independent R & D achievements were authorized by China artificial intelligence industry development alliance, and face recognition technology passed bctc enhanced certification
In October, the blockchain baas platform was registered by the State Information Office of the people's Republic of China
In November, the voiceprint live authentication system passed bctc detection, and the face recognition machine passed the detection center of the Ministry of public security
Its products
Anyihua
Product function: users can recycle the credit line online and make regular repayment after application;
Product overview: support scenario consumption and cash withdrawal, loan with return and cash installment;
Immediate Finance
Product overview: online consumer loan products
Enterprise honor
China's top 50 leading financial technology companies
Won the 2016 outstanding financial contribution unit award to support Chongqing's economic development
One of the top ten Chongqing economic innovation platforms in 2016
September 1, 2019, China
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