MaShang Consumer Finance Co.,Ltd

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