The Business Model of Haijixing Financial Network

Shenzhen agriculture products co., ltd

Shenzhen Agricultural Products Co., Ltd. (hereinafter referred to as "Agricultural Products Company") is a large modern agricultural products circulation enterprise group with the core business of investment, development, construction, operation and management of agricultural products wholesale market and total assets exceeding10 billion yuan.

The original company, Shenzhen Agricultural Products Wholesale Company, was established in August of 1988 with the approval of Shenzhen Municipal People's Government [1988]11. This company is owned by the whole people. Before 1993, the original company had eight shareholders, namely Shenzhen Investment Management Company, Shenzhen Fruit and Vegetable Trading Company, Shenzhen Aquatic Products Supply and Marketing Company, Shenzhen Food Company, Shenzhen Social Labor Insurance Company, Shenzhen Finance and Trade Industrial Development Company, guangzhou-shenzhen railway Foreign Service Company and Shenzhen Agricultural and Sideline Products Trade Center.

Agricultural products companies manage more than 30 comprehensive wholesale markets and online trading markets in more than 20 large and medium-sized cities such as Shenzhen, Beijing, Shanghai, Tianjin, Chengdu, Xi, Changsha and Wuhan. The annual transaction volume of agricultural and sideline products in the company's wholesale market exceeds 24 million tons, and the annual transaction volume exceeds 654.38+04 billion yuan, accounting for 65.438+00% of the total transaction volume in the wholesale market above designated size in China. Haijixing market brings together achievements in engineering construction, food safety, information technology, e-commerce, logistics management, financial services, comprehensive environmental protection and other fields; Establish online shopping malls such as "Yigu.com" and "Haijixing Mall" to jointly build an e-commerce system for green trading of agricultural products.

Shenzhen agriculture products financing guarantee co., ltd

Shenzhen Agricultural Products Financing Guarantee Co., Ltd. (hereinafter referred to as "Agricultural Products Guarantee Company") was established in August 2009. It is the holding company of Shenzhen Agricultural Products Co., Ltd., which specializes in providing financing services for merchants in agricultural products wholesale markets and upstream and downstream merchants. Agricultural product guarantee companies can identify the credit status and capital demand characteristics of agricultural product circulation merchants through their years of development experience in agricultural product circulation industry. From its establishment to 20 14 years, the agricultural product guarantee company has provided more than 3 billion financial support to the upstream and downstream merchants of agricultural approval, and maintained a record of zero investment loss.

According to the capital demand of agricultural products circulation merchants, the company has made innovations in investment and financing products. The service models of "Agricultural Products Supply Chain Finance" and "Agricultural Products-Agricultural Bank of China Huinong Joint Credit Card" established by the company won the "Financial Innovation Award" in Guangdong Province on 20 10 and 20 12 respectively.

Shenzhen haijixing internet finance information service co., ltd

Shenzhen Haijixing Internet Financial Information Service Co., Ltd., formerly known as "Shenzhen Haijixing E-Commerce Co., Ltd.", was established in September of 20 1 1, and was responsible for operating Haijixing financial network and engaging in P2P online lending business. According to Chen Qun, chairman of Haijixing Financial Network, since the platform was launched two years ago, 450 loans have been arranged, with a total loan amount of 400 million yuan. No breach of contract, no loss and no bad performance, which incited the sale of 3 billion yuan small enterprises.

Shenzhen agriculture products micro-credit loans co., ltd

Shenzhen Agricultural Products Microfinance Co., Ltd. (hereinafter referred to as "Agricultural Products Microfinance") was established on June 20 12 and 10. It is the holding company of Shenzhen Agricultural Products Co., Ltd., mainly serving the circulation merchants of agricultural products, solving their capital needs, and obtaining funds as soon as possible through the company's risk control review and approval. Small loans for agricultural products are upgraded in business timeliness and business varieties in order to strengthen financial support for merchants in the agricultural batch market.

In China, the earliest P2P online lending platform was established in 2007. In the following years, it has been in a downturn, and few entrepreneurs are involved. Until 20 10, some testers began to appear one after another. 20 1 1 Online lending platforms have entered a period of rapid development, and a number of online lending platforms have been actively launched. In 20 12, online lending platforms in China entered an outbreak period, with about 400 active online lending platforms springing up like mushrooms after rain.

In 2009, Shenzhen Agricultural Products Co., Ltd. complied with the financial needs of the agricultural products circulation industry, put forward the route of supporting rural businesses from the perspective of merchants in this industry, established the financial system of Haijixing, and raised social idle funds to support rural businesses and their upstream and downstream merchants. In this context, in March of 20 10, Haijixing financial network was established, and then entered the period of technology development and trial operation. After a year's efforts, the platform was officially put into operation in March of 20 1 1.

As one of the earliest P2P online lending platforms in China, Haijixing Financial Network's main business is to provide credit consultation, financial services and credit management for individuals. Haijixing Internet Financial Information Service Co., Ltd. operates independently. When building the platform, Haijixing Financial Network creatively combines the guarantee business with online P2P loans, and cooperates with third-party guarantee companies to guarantee the borrower's principal and interest, providing 65,438+000% guarantee services for the lender's principal and interest repayment. The P2P loan products of Haijixing Financial Network are all guaranteed, which is different from most online lending platforms at present.

The platform is the first in China to introduce a third-party payment company to manage the funds of P2P online lending platform investors. After the borrower and the investor are successfully matched, the investor's funds will be directly transferred to the borrower's account by the third party. According to public information, Haijixing Financial Network introduced a third party to pay all fund processing services such as online agent recharge, subscription, interest calculation and cash withdrawal of China UnionPay. Investors can complete identity verification and transaction confirmation through SMS in the closed system of the payment platform, and no other party may change the capital movement without the customer's permission. Through Haijixing financial network, the direct matching between borrowers and lenders has been realized, which has provided investors with investment products and increased property income. Provide borrowers with the funds needed for business operation, realize inclusive finance, and promote the development of agriculture, rural areas and small and micro enterprises.