Chongqing Xiaokang Microfinance Co., Ltd. (formerly: Chongqing Northern New District Xiaokang Microfinance Co., Ltd.) was established in 2012 with a registered capital of 300 million yuan. It is a new-type financial service institution approved by the Financial Work Office of Chongqing Municipal People's Government, focusing on the micro and small credit sector and committed to the sustainable development of inclusive finance, striving to meet customer needs, and conducting various businesses nationwide including loans, bill discounting, asset transfers, and equity investment with its own funds.
Since its establishment, the company has upheld the concept of standardized development and established a relatively complete corporate governance structure. Internally, the company has set up departments such as the Rural Finance Business Department, Micro and Small Finance Department, Risk Management Department, Operations Management Department, and Strategic Development Department, and has established a sound organizational structure, standardized management processes, and a risk control system.
The company currently has more than 40 employees, a high-quality professional team composed of professionals familiar with investment and financing, internet finance, credit management, risk control, and laws and regulations.
Since its establishment, the company has adhered to the development philosophy of "trust, responsibility, and win-win" and the corporate spirit of "professionalism, focus, and innovation," continuously developing distinctive products, expanding business scope, enhancing service functions, accumulating abundant high-quality customer resources, and achieving rapid development. In 2014 and 2015, it was rated as one of the Top 20 Microfinance Companies in Chongqing by the Chongqing Municipal Government for two consecutive years, and received the 2014 Best Risk Control Award and 2015 Best Innovation Award for microfinance companies issued by the Chongqing Financial Office. From 2014 to 2016, it won the first and second prizes in financial statistics work issued by the Chongqing Operations Management Department of the People's Bank of China for three consecutive years, achieving good economic and social benefits.
The company has a good credit rating. In 2014, it was rated A- in the national microfinance company tracking rating by Orient Jin Cheng International Credit Evaluation Company.
At present, the company has successfully implemented transformation and upgrading. Through cooperation with big data platform companies, it has built an industrial chain financial service center, forming a new model of vertical industrial chain financial services. It first serves the animal husbandry and veterinary industry, providing distinctive microfinance products and full industrial chain microfinance services for large-scale farmers and logistics enterprises, feed enterprises, veterinary drug enterprises, etc. in the industrial chain, optimizing industrial structure and development, and contributing to the realization of the national 13th Five-Year Plan goals, the implementation of inclusive finance, and solving the difficulties and high costs of rural financing.
The new business model, marketing model, and profit model created by the company have made it a practitioner and pioneer of "Internet + Finance + Industrial Chain" in the microfinance industry, and a beneficiary of industrial chain finance and the sharing economy.
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