According to different loan needs, it can be used for personal education, decoration, tourism, wedding and other consumer needs. Cai Xi Encyclopedia will introduce you more about consumer finance of Harbin Bank.
Harbin Hayin Consumer Finance Co., Ltd. was established in April 20 17, initiated by Harbin Bank as the main investor. It is the first licensed consumer finance company invested by an Internet giant in China with a registered capital of1500 million yuan. Its shareholder background mainly includes Harbin Bank, Du Xiaoman Finance, Shanghai Stratford Real Estate Co., Ltd., Suzhou Tongcheng Software Co., Ltd. and Beijing Bosheng Advantage Technology Development Co., Ltd. ..
According to the website of China Banking Regulatory Commission (2065438+May 2009 16), Heilongjiang Supervision Bureau of China Banking Regulatory Commission issued "Reply on Approving Harbin Hayin Consumer Finance Co., Ltd. to Increase Registered Capital and Adjust Ownership Structure". The registered capital of Harbin Consumer Finance Company increased from 65.438+0.5 billion yuan to 65.438+0.5 billion yuan. Du Xiaoman Finance (formerly Baidu Finance) invested 450 million yuan, holding 30% of the shares, becoming the second largest shareholder.
Recently, the national enterprise credit information publicity system shows that Harbin Ha Yin Consumer Finance Co., Ltd. (hereinafter referred to as Ha Yin Consumer Finance) has completed a round of changes in registered capital and investors, and Du Xiaoman (Chongqing) Technology Co., Ltd. (hereinafter referred to as Du Xiaoman Chongqing), a wholly-owned subsidiary of Du Xiaoman Finance, has been upgraded to a second shareholder with a shareholding ratio of 30%, and the registered capital has increased from 65.438+005 billion yuan to 654.38+. After the completion of this industrial and commercial change, it means that Xiaoman Finance, a subsidiary of Baidu, obtained a consumer finance license before Internet finance giants such as Alibaba and Tencent.
business model
Harbin Consumer Finance actively explores multi-scenario and multi-channel financial services and constantly optimizes business layout. Gradually formed a "online+offline" and "platform+self-operated" linkage business development model. Online, on the one hand, use the mobile Internet to establish a multi-platform complementary channel system and reach in-depth cooperation with the Internet platform; On the other hand, continue to build a self-operated product system and enrich product types and service scenarios.
In February, 20021year, the brand of Harbin consumer finance self-operated products was upgraded to "haha loan", providing users with more convenient and efficient personal consumer credit services.
Offline, Harbin Bank has laid out key regional markets for consumer finance. At present, direct sales teams have been established in Beijing, Shenzhen, Chengdu and other places, actively responding to the call of the state, relying on its own digital capabilities, combining online and offline, and fully relying on the scene, exploring and launching "non-contact" O2O green credit services.