Xiaoyudian Online Lending

Xiaoyudian Group (hereinafter referred to as "Xiaoyudian") owns three enterprises: Chongqing Xiaoyudian Microfinance Co., Ltd. (hereinafter referred to as "Xiaoyudian Credit"), Shenzhen Xiaoyudian Digital Technology Co., Ltd. (formerly "Shenzhen Huace Huihong Technology Co., Ltd.", hereinafter referred to as "Xiaoyudian Digital Technology"), and Chongqing Yuzheng Credit Management Co., Ltd. (formerly "Chongqing Hualong Qiangyu Credit Management Co., Ltd.", hereinafter referred to as "Yuzheng Credit"). With the vision of building a "responsible fintech platform" and the mission of providing "end-to-end inclusive finance solutions", Xiaoyudian is committed to solving the financing difficulties, high costs, and slow financing problems of small and micro enterprises and the "three rural" groups through innovative technological means.
The "end-to-end" inclusive finance solution innovates the service model, empowering both inclusive finance and digital finance. This solution is centered on digital technology, serving the asset side through precise financial service plans, while effectively linking high-quality asset side with financial institutions on the funding side, creating an innovative service model that solves financing challenges. At the same time, based on the scenarios and asset experience accumulated in the big data field, it can provide enterprises with joint operations, business system construction, as well as consulting services and big data services, helping enterprises achieve digital transformation and upgrading.
As the third-party social credit agency in Chongqing that passed the People's Bank of China review and obtained the "Enterprise Credit Business Operation Filing Certificate", Yuzheng Credit joined Xiaoyudian Group in 2024, committed to forming a series of diversified services such as professional credit services, supplier credit evaluation, central bank open data applications, and intelligent loan assistance operations through digital and intelligent means. With the layout of the enterprise credit sector, Xiaoyudian Group has achieved deep integration of data insight + credit decoding + credit scenario penetration, forming a distinctive ecosystem of Xiaoyudian Group.
Xiaoyudian Group was co-founded by Mr. Lee Ka Shing and Mr. Xie Libin, and has received strong support from the renowned Hong Kong business tycoon Mr. Lee Shau Kee and his family fund. Mr. Lee Ka Shing is currently the controlling shareholder of Xiaoyudian Group. The Lee Shau Kee family owns 7 listed companies including Henderson Land Development Company Limited, The Hong Kong and China Gas Company Limited, and Miramar Hotel and Investment Company, Limited.
As the entity through which the Lee Shau Kee family promotes the development of inclusive finance in the mainland through technology, Xiaoyudian Group has always actively played the role of a bridge and link for Hong Kong enterprises in the mainland. In November 2023, at the invitation and arrangement of Xiaoyudian Group, a delegation led by Qin Shubin, member of the Party Working Committee and deputy director of the Management Committee of Chongqing Liangjiang New Area, visited the headquarters of Henderson Group in Hong Kong. In 2024, the company successively received visits from the Youth Committee of the Chinese General Chamber of Commerce, the Hong Kong General Chamber of Commerce, and the Hong Kong Elite Association. In the same year, at the 6th Western China International Fair, Xiaoyudian participated as the only fintech enterprise in the Chongqing-Hong Kong cooperation achievements section.

(I) Xiaoyudian Credit
Xiaoyudian Credit was approved for legal operation qualification of online microfinance in June 2016, with registered and paid-in capital of USD 300 million. Xiaoyudian Credit is vice president unit of the China Microfinance Association, vice president unit of the Chongqing Microfinance Association, and vice president unit of the Chongqing Association of Enterprises with Foreign Investment.
Adhering to the original aspiration of solving the financing difficulties, high costs, and slow financing problems of small and micro enterprises through innovative technological means, and based on years of digital inclusive finance practical experience, Xiaoyudian Credit has successfully created a fully online, pure credit lending business model that can meet the diversified financing needs of small and micro enterprises. As of March 2025, Xiaoyudian Credit's business has covered 31 provinces and cities nationwide, with cumulative loans exceeding RMB 45 billion.
As the group's business incubator, Xiaoyudian Credit completes the production and verification of financial assets across multiple industries and scenarios through its own funds and self-developed risk control technology, and links them to suitable cooperative financial institutions through Xiaoyudian Digital Technology.

(II) Xiaoyudian Digital Technology
Xiaoyudian Digital Technology was founded in 2007, formerly known as Shenzhen Huace Huihong Technology Co., Ltd., and joined Xiaoyudian Group in 2019. Xiaoyudian Digital Technology is one of the pioneers in big data analysis and application in China, and is a high-tech enterprise and a specialized, refined, distinctive and innovative SME in Shenzhen.
Based on the scenarios and experience accumulated in the big data field, Xiaoyudian Digital Technology has completed the transformation from a single data decision business model to a diversified business model, creating four dimensions of services for enterprises: "ABCD", namely All-round collaboration, Business system, Consulting, and Data. As of December 2024, Xiaoyudian Digital Technology's clients have covered 10 major industries, with 130+ financial institution partners and 1000+ enterprise clients.
Xiaoyudian Digital Technology empowers institutional partners through digital means, helping them achieve digital construction, transformation and upgrading, while also linking high-quality assets verified by Xiaoyudian Credit to banking and other financial partners, achieving win-win results.

(III) Yuzheng Credit
Yuzheng Credit (formerly "Chongqing Hualong Qiangyu Credit Management Co., Ltd.") was established in October 2014 with a registered capital of RMB 20 million, and joined Xiaoyudian Group in 2024. Yuzheng Credit is the third-party social credit agency in Chongqing that passed the People's Bank of China review and obtained the "Enterprise Credit Business Operation Filing Certificate", and is also a national high-tech enterprise, a key software and information service enterprise in Chongqing, and a "specialized, refined, distinctive and innovative" enterprise in Chongqing.
Yuzheng Credit possesses rich data resources such as enterprise operation data, industry operation data, upstream and downstream supply chain data, and public credit data. Through cutting-edge technologies such as big data, trusted data spaces, knowledge graphs, privacy computing, and machine learning, it has formed diversified services such as professional credit evaluation, supplier credit evaluation, central bank open data applications, and intelligent loan assistance operations. It can provide one-stop solutions and phased auxiliary tools, offering consulting and construction services covering data analysis, model building, and product design for various scenarios, ultimately helping clients achieve business cooperation goals and realize refined credit management.