Xinhe Wealth Investment Management (Beijing) Co., Ltd. P2P Platform

Xinhe is a leading professional service organization engaged in personal credit loan consultation and wealth management in China, and it is the first to launch a P2P credit loan service platform in China. Xinhe P2P platform is innovative in mode and unique in concept, which is the first in the industry. Xinhe introduced advanced foreign credit management concepts, combined with the social credit situation in China, and provided customers at both ends of the platform with full credit management services including credit consultation, evaluation, credit scheme formulation, agreement management, payment collection management and other professional contents. Through the credit bridge built by Xinhe, the credit transaction behavior between customers at both ends of the platform becomes safer, more efficient, more professional and more standardized.

On the platform of Xinhe P2P, the most direct benefits to customers are: individual borrowers get credit loan funds, change their production and life, and realize the value of credit; Individual lenders get both economic benefits and spiritual rewards.

About P2P: "P2P" means "person to person", which is a new generation of private lending form closely related to innovative technologies and financial models such as the Internet and microfinance. It provides transparent, open, direct and safe micro-credit transactions for familiar or unfamiliar individuals to the maximum extent. Characteristics of P2P personal lending:

◇ Direct transparency Lenders and borrowers directly sign personal loan contracts to learn about each other's identity information and credit information one by one. Lenders can keep abreast of the borrower's repayment progress and the improvement of living conditions, and experience the value they have created for others most truly and intuitively.

◇ Credit Screening In P2P mode, lenders can evaluate and select borrowers' credit, and borrowers with high credit ratings will be given priority, and the loan interest rate may be more favorable.

◇ risk diversification The lender distributes the funds to multiple borrowers and provides small loans at the same time, so that the risks are dispersed to the greatest extent.

◇ P2P lending with low threshold and low channel cost makes everyone a disseminator and user of credit, and credit transactions can be carried out very conveniently, and everyone can easily participate, so as to better allocate idle funds in society and guide the idle funds of middle-and high-income people to many middle-and low-income people with good credit and need help.