Dafei Weijin

The Dafei brand was founded by Mr. Gao Yunhong in 2004, and has always been committed to promoting the development of inclusive finance in China.

Over the past decade or so, Dafei has adhered to the goals of inclusiveness, user-centricity, and integrity as its foundation, continuously innovating based on user needs, earning the respect and trust of customers. It has steadily grown from a single-brand enterprise starting in Qinhuangdao into a comprehensive inclusive financial service enterprise with multiple sub-brands (Dafei Financial Holding, Dafei Wealth, Dafei Finance, Wenzi). Today, Dafei's business covers more than 100 cities across 24 provinces, providing financial services to millions of users.

In the future, nearly 10,000 Dafei employees will continue to strive for the goal of "rooting finance in the lives of every ordinary person, so that everyone can receive due respect and dignity in finance."

Product Introduction of Dafei Yundai
Dafei Yundai is a financial services App launched by Dafei Wealth in 2013, integrating functions such as lending and wealth management. It mainly serves people with small loan and investment needs, and its business agreements are certified by the China Financial Certification Authority (CFCA). At the same time, Dafei Yundai has partnered with third-party payment platforms such as 19pay and PayEase, leading the industry in convenience, speed, safety, and flexibility, making it a preferred App for borrowing and investing.
Dafei Yundai was formerly known as Dafei Mobile Payment. By August 2015, the cumulative loan amount exceeded 10 billion yuan. In September of the same year, Dafei Mobile Payment was upgraded to version 2.0 and officially renamed as Dafei Yundai.

Product Features
Dafei Yundai mainly offers three types of financial services: borrowing, wealth management, and consumer installment.
1. Borrowing: Dafei Yundai supports small loans with a maximum credit limit of 50,000 yuan and a term of 90 days. No collateral or guarantee is required. Once credit is approved, users can easily borrow within the credit limit within 5 minutes. In the first two months from the borrowing date, only interest is due monthly, with principal and remaining interest due at maturity. This product provides a one-time credit approval with revolving use within a year, allowing borrow and repay at any time, addressing customers' capital turnover needs, and is suitable for those in urgent need of short-term funds.
2. Wealth Management: With only 500 yuan, users can enjoy wealth management services on Dafei Yundai. According to the different needs of customer groups, Dafei Yundai offers a variety of wealth management products, with average investment returns higher than deposit rates.
3. Consumer Installment: Leveraging the Dafei Yundai product, customers with credit limits on Dafei Yundai can enjoy "zero rate" and "zero handling fee" installment services for goods at offline merchants. Its significance lies in better integrating social resources and realizing resource exchange, changing conventional consumption and payment habits through free and fast installment payment methods.


Product Safety
1. Proprietary operating model protection: Dafei Yundai adopts a "large-to-small investment" approach, matching investment funds to multiple customers with small borrowing needs. The average borrowing period is 32 days, reducing customer default rates and spreading risk.
2. Nebula Big Data Risk Control System protection: The Nebula Big Data Risk Control System, independently developed and continuously updated by Dafei, enables 90% automated approval of applications.
3. Third-party organization and payment platform protection: Dafei Yundai cooperates with the China Financial Certification Authority (CFCA) for certification, providing strong protection for the validity of electronic contracts, and has partnerships with third-party payment platforms such as 19pay and PayEase to ensure fund security.