1) The business is more transparent and the risks are more controllable. After the integration, it will be subject to the dual supervision of China regulators and the US capital market, and the sustainability and quality of the business will be regularly displayed to the public to enhance investor confidence;
2) The sales channels are more perfect and the product categories are more abundant. Through business integration and cooperation, we will build a complete online, offline and telephone sales channel to provide more diversified products to meet the differentiated needs of different types of customers;
3) Technological empowerment brings new kinetic energy. By integrating the financial technology capabilities of Pleasant Loan with the inclusive finance capabilities and digital wealth management capabilities of CreditEase, and empowering each other, it will effectively enhance the productivity and operational efficiency of the whole company and provide new kinetic energy for the company's development. It is completely a major positive for investors.