This article showcases our top picks for the best China based Lending/Financing companies. These startups and companies are taking a variety of approaches to innovating the Lending/Financing industry, but are all exceptional companies well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups and companies for exceptional performance in one of these categories:
- Innovative ideas
- Innovative route to market
- Innovative product
- Exceptional growth
- Exceptional growth strategy
- Societal impact
Top China Lending/Financing Companies
Jiedaibao designs an application that helps in lending and borrowing loans. Its application helps in deciding interest rates independently, generates a legal electronic contract, and reminds of repayment and expiration of the contract, which enables users to get loans at flexible rate.
Jiedaibao began operation in 2015. Its headquarters is in Beijing in China..
Tuandaiwang is a Chinese peer-to-peer lending company that offers a group loan network loan investment platform. It provides an online loan information intermediary service platform that aims to help small and medium businesses.
The main operating entity of Tsinghua.com is Dongguan Tuandun.com Internet Technology Services provides borrowers and lenders with quality services such as information collection, information disclosure, information exchange, and loan matching at present. Dongguan Tuanwang.com Internet Technology Services has a registered capital of 102,933,300 yuan.
Tuandaiwang is based on advanced information technology, professional big data analysis capabilities, strict audit procedures and a sound risk management and control system. It is an individual with investment and financing needs, organizations or companies to build a stable and compliant, efficient and convenient information intermediary service platform.
Tuandang.com has been selected as a pilot project of “Internet + Finance” in Guangdong Province. It has won national high-tech companies, growing enterprises in Dongguan City, and annual premium brand of Pratt & Whitney Finance after years of development.
Tuan Lianwang and Xiamen Bank’s bank depository system were launched in March 2017. Tuanwang has played a role in the development of the Internet finance industry in Chian.
Zhang Lin founded Tuandaiwang in August 2011, with its headquarters in Dongguan in China. Tuandai.com is officially launched in 2012..
Samoyed Financial Service
Samoyed Financial Service (Shenzhen Samoyed Internet Financial Service LTD. Co) is a new type of internet FinTech company that relies on the powerful FinTech ability to provide users with more inclusive financing options.
Samoyed cut into the consumer finance market by means of its first product “Sheng Bei.” Sheng Bei provides internet financial services for users such as: credit card management, a preferential card-using guide, and lower interest rates for Compensating Balances.. .
Wangdaizhijia (网贷之家) operates a Chinese peer-to-peer (P2P) online lending portal. It offers an online loans communication platform for online lenders.
Wangdaizhijia initially put forward the concept of network debit and credit index. It was founded in October 2011..
Based in Beijing, China, Weijinsuo is a peer-to-peer lending platform that covers the areas of credit collection, assessment, and management. The company’s senior management staff has over 10 years of experience in the bank management and risk management industry.
It shapes the Chinese alternative finance space by providing its investors with an average annual yield of around 11.7% with up to 36 months of lock-up period. The company’s series A investment round was led by HNA Capital Group.
Established in 2010, Weijinsuo is comprised of over 700,000 registered users and has completed an aggregate transaction value of over 616 million U.S. dollars..
Zhejiang Network Merchants Bank Co., Ltd. is one of the first pilot private banks in China and officially opened on June 25, 2015.Internet merchant banks regard Inclusive Finance as their mission and hope to use the technology, data and channel innovation of the Internet to help solve problems such as financing difficulties for small and micro enterprises, lack of rural financial services, and promote the development of the real economy.The network merchant bank is the first bank in China to have the core system in the financial cloud.
Based on the financial cloud computing platform, the network merchant bank has the ability to handle high concurrent financial transactions, massive big data and flexible expansion, and can take advantage of the Internet and big data to provide financial services to more small and micro enterprises.. .
CredEX Fintech is a mobile app for personal loans that supports borrowing and repayment anytime, allowing customers to borrow as much as RMB 300,000 (USD 40,000+) just within three minutes on their phone. CredEX Fintech tackles five key problems within the traditional global loans industry: difficulties in application, approval, money withdrawing, repayment, and re-borrowing.
A closer look reveals that the prowess of CredEX Fintech is underpinned by its five disruptive innovations: the mobile app, supporting borrowing and repayment anytime, taking the lead in personalizing interest rate, the mobile Internet risk control system and a unique business model of connecting financial institutions with borrowers.. .
Qian Duo (d.com.cn) was established in October 8, 2013, under the Shanghai Xu Sheng Financial Information Services Co., Ltd., is a domestic professional financing needs to provide business matching business. The company set up diversified financing business in one, for small micro enterprises, financial institutions and individuals to provide professional, transparent and efficient financial information services.
The company is headquartered in Shanghai Pudong Free Trade Zone, after more than three years of development, we rely on strict wind control system and senior business integration capabilities in the industry has a high reputation.. .
Shenzhen Zhongrong Investment Consulting
” China Financial Investment ” is a wholly-owned subsidiary of Shenzhen Qianhai Rongrong Financial Holding Co., Ltd., an investment banking platform of Shenzhen Qianhai Investment Consulting Co., Ltd., which is the investment platform of China’s Internet financial industry. In the financial investment to “let every one people understand investment” for the mission, combined with years of asset management services and risk control experience, the use of advanced large data technology, continue to provide users with richer, more convenient Internet investment products.
The establishment of vehicle arrived (quality) charge, red mortgage, luxury pledge, cash foreclosure, supply chain finance and other short-term investment projects. Each project released by the platform has been strictly reviewed and professional valuation, and in the relevant state departments for real-name mortgage registration, pledged filing, commissioned notarization procedures to ensure that each project is true and reliable..
eLoancn is a Wenzhou-based online lending platform where members can borrow and lend money among themselves at better interest rates than a bank typically offers. eLoancn differentiates itself from peers with a special focus on agriculture, farming and rural areas.
Its main business comes from farmers’ personal loans, which are mainly used for agricultural reproduction and breeding.. .
Ziben Online (ZO) provides short-term capital to small businesses in certain supply chains. ZO typically works with large corporations by providing loans to their suppliers.
For example, if hundreds of small suppliers all sell to a grocery chain, the billing dynamic tends to be unfavorable for the suppliers because the grocery chain can use its negotiating power to delay payment.. .
Shenzhen Small & Medium Enterprises Credit Financing Guarantee Group
Shenzhen Small & Medium Enterprises Credit Financing Guarantee Group Co., Ltd. (SZCGC), formerly named Shenzhen Small & Medium Enterprises Credit Guarantee Center, was established on December 28th, 1999 by the Shenzhen Municipal Government.
SZCGC is the earliest one who has been ranked the highest class AAA of Credit Quality Rating among China’s guarantee organizations. With 5.495 billion RMB registered capital (approximately 868 million US Dollars), SZCGC gets the highest class AAA rating of Capital market in 2017.
Since the establishment 18 years ago, SZCGC has guaranteed loans of more than 240 billion RMB Yuan to over 20000 small and medium-sized enterprises (SMEs), which keeps SZCGC holding the leading position among all financing guarantee organizations in China. SZCGC is also one of the first organizations that were awarded as the Model Organization of SME Financing Service in Guangdong province..
“Arts and wealth management” by the Beijing Rong Yi Investment Information Technology Co., Ltd. operation, is committed to become a unique domestic works of art pledged loan platform and high-quality Internet financial enterprises.
In the investment side, the platform through the pledge of antique text, jewelry and other works of art to engage in lending business matching services, strict control of risk, so that investors receive sustained and stable income; in the borrower, the platform together partners to integrate professional expert team Leading identification technology, so that traditional financial institutions can not undertake the pledge of art works possible.. .
Mavericks plan, is a child education service platform, under the Beijing curiosity Technology Co., Ltd., from the former Baidu, 360, Microsoft, Netease, Ping An Bank and other education, finance, Internet industry veteran co-founder, 18-year-old children’s quality education (early childhood education, interest classes, English, study, kindergarten), to provide tuition services, curriculum, LBS institutional inquiries, audition appointment, parent-child activities and other integrated services, to solve the child’s parents “education” Institutions “difficult education” problem, for the Chinese children better quality education refueling! Corporate vision: committed to become a trusted and respected, in the field of children’s education has a leading position in the enterprise. Corporate mission: to help parents and institutions, for the Chinese children better education refueling.
Corporate culture concept: innovation, technology, trust, care.. .
Ping An financial network (www.palcw.com) is a focus on life services, the Internet financial platform. The expected annualized rate of return is 9% -12%.
Platform to adhere to the sound and transparent operation of the principle of the Internet as the main channel for the borrowers and lenders (that is, lenders) to achieve direct lending to provide information collection, information disclosure, credit assessment, information exchange, loan matching and other services. Through the use of Internet technology, can effectively shorten the capital acquisition cycle, reduce financing costs, improve lending income, enhance the efficiency of capital flows.
The platform has a professional risk management (control) team, the use of pledged borrowing assets to small and medium-sized short-term borrowing, combined with tight wind control system and risk reserve limited advance plan, risk diversification, and through the transfer of debt to meet the lender Liquidity needs. Relying on financial information technology innovation, platform for the majority of users with “low risk, high yield, transparent, diversified” Internet financial services for China’s life service economies to solve the financing needs..
FANG.COM is the leading professional network platform for real estate and home industry. It has been leading the Internet in the fields of new homes, second – hand housing, renting, home, real estate research and so on.
It is in the leading position in PC and mobile field. According to DCCI third-party data show that in 2014 the world (FANG.COM) PC platform user views and the number of independent visitors has always been a huge advantage in leading industry..
Man Financial (www.mandofin.com) was born in April 2015. It is a comprehensive Internet financial service platform of Hangzhou Zhonglian Network Technology Co., Ltd., which focuses on small, medium and micro enterprises and personal financial services.
The core team has advanced asset development, risk control, Internet technology and operational capabilities from the traditional financial banks, Alie Microfinance, Alipay and real estate. In accordance with the principle of compliance with laws and regulations, safety and transparency, the Bank adheres to the concept of financial innovation and universal benefits to create a new advanced integrated financial management model and rapidly emerges as a leading professional internet financial service platform in China..
Totem Internet financial services co., LTD, (previously Shenzhen Sea before October 28, 2014) was registered in Shenzhen before the free trade area. Its platform “”totem is borrowed”” is a professional auto mortgage business, and net credit information intermediary platform.
We now have branch offices across all of China, as well as providing car loans to the Middle Eastern market. We rely on the “”Internet+financial”” and us the O2O model of operations and information interaction on both sides of the transaction, for both borrowers and investors.
This sets a complete matching funds intermediary for information services. Totem is borrowed, is a blend of concepts between “”Internet Financing + Car.”” Creating an Internet financial information intermediary service platform, with the depth of the online and offline business integration.
With strong research and development of Internet technologies, and an operational management team, as well as a complete closed-loop car loan industry we have become an outstanding member of the auto loan industry in China.. .
Ju Cai cat
Ju Cai cat officially launched in August 2014, is the earlier focus on the field of mobile applications Internet lending information intermediary platform, specializing in Internet lending information intermediary business activities. Ju Cai combines years of asset management services and risk control experience, the use of advanced information processing technology, and continue to provide platform users with robust, convenient and worrying Internet lending information intermediary services, allowing users to enjoy convenient, diversified and secure wealth Value-added new way.
In March 2017, Ju Cai won the A-round financing of Chunxiao Tianze and raised 100 million yuan to achieve the future of Internet finance with big data and smart technological innovation.. .
Turn right’ focus on female loan services (women, men and women can cast), is a full compliance with the regulatory policies of the People’s Republic of China Internet financial information service platform. Loan has been on the line loan, female loan, a woman loan, the United States loan, Crazy car and loan mom loan six cash products.
At the same time, it has cooperated with hundreds of merchants and involved in many industries such as beauty, mother-and-baby, home improvement, etc. to provide convenient installment consumption services.
The platform severely resisted usury, the amount of borrowings, interest rates, deadlines are freely set by the borrower, determined to make every woman no longer worry about “money”.. .
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