HOME CREDIT CONSUMER FINANCE CO.,LTD

Home Credit Consumer Finance Limited

Home Credit Consumer Finance Co., Ltd. was established on November 10, 2010.

As one of the first four pilot consumer finance companies approved by CBRC, home credit consumer finance Co., Ltd. has become the first and only foreign-funded consumer finance company in China.

From 2016 to 2018, the average annualized interest rates of home credit's cash loans were 42%, 37% and 31% respectively.

development history

In December 2010, home credit consumer finance Co., Ltd., as one of the first batch of four pilot consumer finance enterprises of CBRC, was officially established in Tianjin.

From 2016 to 2018, the average annualized interest rates of home credit's cash loans were 42%, 37% and 31% respectively.

Nature of Business

（1） Granting personal consumption loans;

（2） Accepting deposits from domestic subsidiaries of shareholders and domestic shareholders;

（3） Borrowing from domestic financial institutions;

（4） Issuing financial bonds with approval;

（5） Domestic interbank lending;

（6） Consulting and agency business related to consumer finance;

（7） Agent sales and consumer loans related insurance products;

（8） Fixed income securities investment business;

（9） Other businesses approved by the CBRC.

Corporate philosophy

Home credit group is committed to becoming a responsible financial service provider in every country where it operates. It combines international experience with local market, and always takes building safe consumer loan products as its responsibility and mission.

Home credit implements the concept of Inclusive Finance, adheres to safe and responsible lending, combines international experience with local market, realizes "localized" operation, and deeply cultivates consumer financial market.

Awards

In October 2015, home credit consumer finance Co., Ltd. was awarded the second "responsible" consumer finance lender in China's first consumer finance research report, research on China's consumer credit market, released by China and world economic research center of Tsinghua University.

Core values

·Entrepreneurship

·Results oriented

·Innovative spirit

·Fair and just