Chongqing Huijin Microcredit Co., Ltd.

Chongqing Huijin Microcredit Co., Ltd. (hereinafter referred to as "Huijin Credit"), was established in May 2009. Its original registered name was Chongqing Jiangbei District Xinrongda Microcredit Co., Ltd., with a registered capital of RMB 50 million. In July 2009, it was renamed Chongqing Jiangbei District Huijin Microcredit Co., Ltd. In April 2012, its registered capital was increased to RMB 200 million.
Huijin Credit possesses solid financial strength, adheres to the service tenet of "Fulfilling Dreams for Thousands of Families" and the business philosophy of "Good, Fast, Many" (good service, fast speed, many products). It strictly complies with the "Interim Measures for the Pilot Management of Microcredit Companies in Chongqing Municipality" and relevant laws and regulations, adheres to the principle of "small amounts and diversification," and provides collateral-free and guarantee-free microcredit services for small and micro business owners, self-employed individuals, and salaried people, helping micro and small enterprises and individuals achieve their beautiful ideals.

Huijin Credit is committed to building a professional microcredit company with international standards. The company draws on the world's most mature microcredit models, introduces an international professional financial technical team, and builds an international-standard service system to provide customers with professional financial supporting services integrating financial technology, financial awareness, and financing loans, helping customers achieve their career and life dreams.

Huijin Credit values long-term cooperation with customers and provides tailor-made personalized financial products and services to meet customers' diverse financial needs at various stages of development. We sincerely hope to become customers' long-term financial partner and accompany them in creating wealth and growing together.

Huijin Credit has established a standardized market development workflow. Customer managers proactively visit customers, conduct telemarketing and street sweeping marketing, and introduce the features and application methods of micro and small credit products through face-to-face communication by distributing promotional brochures to target customers, greatly strengthening the intensity and effectiveness of market development. The company has also invested heavily in developing "Loan Management System Software," enabling standardized workflow requirements, risk prevention measures, and data management to be effectively integrated into all aspects of marketing, loan application, due diligence, approval, disbursement, and post-loan management.

Huijin Credit has established a stable corporate safe operation framework. The company has established a series of credit management processes and systems such as the "Credit Policy" and "Loan Manual," and has established a dedicated credit inquiry line with the People's Bank of China, a withholding and payment cooperation with China UnionPay, and a collection business outsourcing cooperation with well-known domestic professional companies such as Goldbay, ensuring the smooth recovery of credit funds. At the same time, the company has hired well-known industry lawyers and management consultants, established an enterprise internal control system and management system, effectively reducing operational risks and greatly improving management efficiency and decision-making quality. Up to now, the company's overdue loan rate is only 1.5%, and the bad debt rate is zero.

Regarding future development, Huijin Credit is full of confidence, taking becoming the most standardized microcredit company in China as its goal, helping micro and small enterprises and individuals develop as its mission, and prospering Chongqing's consumer finance industry as its responsibility, operating compliantly and legally under the leadership of regulatory authorities.

Under the country's favorable microcredit policy environment, under the guidance of compliant, legal, steady and safe operating principles, and under a safe and standardized operating framework, Huijin Credit will seize the good opportunity of Chongqing's development and spare no effort to serve the market, serve customers, and serve the economic construction of Chongqing and Southwest China. In the next 3-5 years, Huijin Credit will open 9-15 branch outlets in the nine main urban districts of Chongqing, and with Chongqing as the center radiating to Southwest China, open 5-8 provincial-level branches, striving to become an excellent domestic microcredit enterprise brand.

Business Philosophy
Adhere to the business philosophy of "Good, Fast, Many," with the development goal of building a first-class professional microcredit institution in China, committed to providing collateral-free and guarantee-free microcredit financing services for individuals and micro enterprises.
Good: Professional and friendly service team, excellent and considerate financial services.
Fast: Efficient and convenient processes, standardized and transparent operations, approval completed in 3-5 days.
Many: Tailor-made financing solutions, financing amounts superior to the market, rich and diverse financing products.

Business Principles
Integrity and compliance, steady development.

Service Tenet
Help all industries thrive, fulfill dreams for thousands of families!

Corporate Mission
Help micro and small enterprises and individuals achieve their beautiful ideals.

Corporate Vision
Make "Huijin" the best financial partner for micro and small enterprises and individuals, and make "Huijin" an excellent domestic microcredit enterprise brand.
Let employees and the enterprise grow together, and make "Huijin" an influential excellent employer brand in the industry.

Classic Products

Business Loan
A strong financial backing for business
Solve businesspeople's temporary needs and win unlimited business opportunities.
For business expansion and operational turnover emergencies, regardless of industry or scale, as long as you are a businessperson, funds will be in place immediately.

Salary Loan
Easy microcredit, happy consumption
Specially providing easy microcredit for office workers with stable occupations and income.
Whether you need cash flow, down payment for a house, renovation, further education, car replacement, travel... Salary Loan easily realizes personal credit loans for you. As long as you have proof of salary, cash is quickly in hand.

Property Loan
Easy microcredit for homeowners
Specially providing flexible and convenient loan services for homeowners.
No collateral required. As long as you own property, whether fully paid or mortgaged, you can quickly obtain a loan.


Contact Information
Huijin Hotline: ***********
Company Address: 17/F, Building 2, Hualongqiao Enterprise World, Yuzhong District, Chongqing