What is the online lending platform for instant consumer finance?

Instant Consumer Finance Co., Ltd. (hereinafter referred to as "Instant Consumer") is a technology-driven financial institution with a consumer finance license approved by the former China Banking Regulatory Commission. The company officially started its business in June, 20 15. In 20 16, 20 17, and 20 18, it completed three times of capital increase and share expansion, with a registered capital of 4 billion yuan. Shareholders include Chongqing Department Store, Zhongke Jin, Wu Mei Group, Bank of Chongqing, Sunshine Property Insurance, Zhejiang Commodity City, and a new round of strategic investors, such as CICC, CITIC Jiantou, Liangjiang Industry and other central enterprises and local state-owned capital.

Adhering to the mission of "technology makes life easier", we will immediately focus on users and focus on inclusive finance, and strive to become the most reliable financial service provider in the world through technological empowerment and innovation, providing small and scattered consumer financial services to all social classes and groups with financial service needs. The company actively promotes consumption upgrading, stimulates domestic demand, serves the development of the real economy, and constantly makes positive contributions to economic and social development such as local taxation and employment. By the end of September 2023, the accumulated tax payment exceeded 7.5 billion yuan, and more than 65.438+0.6 million people were directly or indirectly created jobs. As a technology-driven financial institution, it immediately selected high-tech talents in the fields of finance, big data and artificial intelligence on a global scale, and established a technical team of more than 2,000 people and a big data risk control team of more than 200 people. It has successively established internal scientific research platforms such as Artificial Intelligence Research Institute, National Postdoctoral Research Center, Provincial and Ministerial Key Laboratory of Smart Finance and Big Data Analysis, and also established National Applied Mathematics Center with scientific research institutions such as University of Chinese Academy of Sciences and Chongqing Normal University to conduct horizontal research. Based on the above scientific research results, the company independently developed more than 1 1,000 sets of core technology systems covering the whole business process and life cycle of consumer finance, submitted more than 1 1,400 invention patent applications, ranking first in the industry, and obtained 83 soft copyright registration certificates. At present, the company has obtained the AAA credit rating of the main body and the recognition of the national high-tech enterprise, was shortlisted in the list of "winners of the new generation of key innovation tasks in artificial intelligence industry" of the Ministry of Industry and Information Technology, was elected as the first unit member of the Artificial Intelligence Sub-technical Committee of the National Information Technology Standardization Technical Committee (SAC/TC28/SC42), won the first-class achievement award of the special non-bank organization group of banking information technology risk management of the China Banking Regulatory Commission, and was awarded the "excellent organization of data quality work in personal credit reporting system" by the central bank.