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1. baixin bank (full name: "CITIC baixin bank Co., Ltd.") is the first direct selling bank approved as an independent legal person, which was jointly established by CITIC Bank and Baidu Company. The market positioning is "financing for the people and financing for the public". Relying on CITIC Bank's strong product R&D and innovation capabilities, customer management and risk management and control system, as well as Baidu's Internet technology and user traffic resources, it will meet customers' personalized financial needs and build a differentiated direct selling bank with unique market competitiveness. It has launched three core businesses: consumer finance, microfinance and wealth management.

Two. Since 20 15, 165438, CITIC Bank and Baidu Company have announced the preparation of baixin bank. After more than a year's efforts, baixin bank was officially approved by the CBRC on February 30th, 20th16th. 201July/August 15, which was approved by the China Banking Regulatory Commission. It officially opened on 20 17, 1 10, 18. Li Rudong, President of baixin bank, revealed the future development ideas, saying that he would focus on smart inclusiveness and build core competencies such as smart accounts, smart risk control and smart services, mainly aiming at the gap that traditional banking services are weak and untouched.

3. baixin bank, as the first state-controlled Internet bank, can set up exhibitions all over the country, undertake the mission of bearing the experimental field of banking transformation and development in China, increase investment in artificial intelligence, big data, cloud computing and other fields, explore financial technology and open banking innovation, empower inclusive finance to serve, and create an innovative model of Internet open banking.

4. baixin bank is a direct selling bank with a brand-new operation mode. Customers mainly obtain banking products and services through remote channels such as computers, e-mails, mobile phones and telephones. Since there is no management fee for outlets, direct selling banks can provide customers with more competitive deposit and loan prices and lower handling fees.

5. The first direct selling bank in China, initiated by the deep cooperation between Internet companies and traditional banks, marks the milestone of Baidu's largest capacity and most growth potential in the field of vertical services. The establishment of baixin bank is also of symbolic significance in the development of China's banking industry, which has opened a brand-new model of "internet plus Finance".