Investor Presentaiton
Diversified funding structure
VCREDIT
Trust lending
and direct
lending
Credit-
enhanced loan
facilitation
Pure loan
facilitation
CREDIT
维信金科
Licensed financing
guarantee company
Licensed small
loan companies
Trust lending:
- Underwrite subordinated
tranche of originated
assets in trust
- Provide guarantee
Direct lending by our
licensed microcredit
subsidiaries
- Select and recommend
borrowers
- Perform credit
assessment
- Provide guarantee
Select and
recommend borrowers
- Provide credit
assessment
recommendation
Capital-light
operations
for
VCREDIT
Funding
partners
Review and
approve the loans
Review and
approve the loans
Fund the loans
- Fund the loans
-Discretionary
underwriting
- Risk management
- Joint modeling
More active
participation
from funding
partners
✓ 100% institutional funding
Notes:
(1) As of Dec 31, 2022
(2) Two wholly-owned online small loan companies which are allowed to do nationwide business
✓ Diversified and stable funding from
92(1) licensed funding partners
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