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    1. Business model, vision and values

      Business model

      We operate a commercial model focused on customers that is based on superior data capture, analysis and disciplined risk management, supported by efficient operations and a state-of-the-art IT platform.

      • Extensive multi-channel network for acquiring new clients (POS and cash loans)
      • Powerful cross-selling of cash loans and cards, enhancing lifetime profitability
      • Business model closer to a retailer than to a traditional financial institution

      Financing purchases of durables in stores; Cross-selling different lending products to good customers; Mass-market lender with its own deposit-gathering capabilities

      Vision and values

      Financial services made easy, simple and fast

      Vision

      We aim

      • To provide innovative retail financial services with a focus on mass-retail lending
      • To help clients realise their dreams and ambitions in a financially secure way
      • To offer long-term, stable and interesting employment to our employees
      • To encourage economic development through supporting domestic consumption, thereby improving living standards

      Values

      Our people work according to our four core values:

      • Be entrepreneurial
      • Be focused on results
      • Be innovative
      • Be fair
      河南快三预测号码推荐
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