Merchants Union Consumer Finance Company Limited

Zhaolian Consumer Finance Co., Ltd

Zhaolian Consumer Finance Co., Ltd. is approved by China Banking and Insurance Regulatory Commission and jointly established by China Merchants Bank and China Unicom, the two world's top 500 companies. It is the first consumer finance company established under the framework of CEPA, with a registered capital of 3.86896 billion yuan.

Zhaolian finance has two major consumer financial product systems of "good time loan" and "credit payment", which provide users with all inclusive consumer credit services with no guarantee and low interest rate. At present, Zhaolian finance has fully covered shopping, tourism, education, decoration and many other consumption scenes, serving tens of millions of customers, and its business covers a wide range of areas in the country.

Headquartered in Shenzhen, Guangdong, it officially opened on March 6, 2015

Development history

On March 6, 2015, Shenzhen Banking Regulatory Bureau approved the opening of Zhaolian Consumer Finance Co., Ltd. The registered capital of the company is 3.86896 billion yuan. The company's domicile is Room 201, building a, comprehensive office building of Qianhai Shenzhen Hong Kong Cooperation Zone Administration Bureau, No.1 liyumen street, Qianwan 1st Road, Shenzhen Qianhai Shenzhen Hong Kong cooperation zone. Its business place is 18 / F, building A4, Kexing Science Park, Shenzhen Science and technology park.

In November 2017, the first foreign-funded syndicated loan of Zhaolian Consumer Finance Co., Ltd. was successfully delivered and withdrawn for the first time, with a total loan amount of 1.15 billion yuan, which is the first foreign-funded bank syndicated loan obtained by domestic consumer finance companies so far.

organization structure

Chairman Wang Xiaochu

Tian Huiyu, vice chairman

Buyanzhou director

Director Li Hao

Director Tang Yongbo

Director Zhu Jiangtao

Zhang Yangqing, director and general manager

Li Hong, director and Deputy General Manager

main products

Zhaolian financial app: a comprehensive financial application launched by Zhaolian Consumer Finance Co., Ltd., a pure online credit loan platform.

Good time loan: the Internet credit loan products of the League finance company can be applied to the online finance channels of the recruitment finance APP, WeChat public number and various partners; support 7*24 hours, borrow money at any time, arrive in time to official account, support the loan to the mainstream bank card, the maximum amount is 200 thousand yuan, the longest loan period is 36 months. Zhaolian finance has created many personalized categories under the "good time loan" product system, such as the "white-collar loan" product with more preferential pricing for high-quality white-collar workers, and the "big time loan" product with one-time high amount to meet the temporary capital turnover demand of high-quality customers.

Credit payment: Zhaolian finance's Internet consumption installment products provide users with a fast, safe and convenient Internet credit consumption payment method; it can realize online application, immediate approval, and enjoy the longest 40 day interest free and longest 24 period installment service. At present, "credit payment" is mainly used in Zhaolian finance's own shopping mall, education, medical beauty, travel, decoration and many other consumption scenarios. At the same time, in order to enhance the convenience of customers' payment, "credit payment" has made use of two kinds of accounts of banks to get through the important payment channels such as UnionPay flash payment, Alipay, WeChat payment and so on, enjoying monthly interest free transactions, and the transactions that exceed the monthly interest free amount can be automatically phased.

Enterprise honor

On December 15, 2016, "2015-2016 Qianhai financial innovation case" selection activity announced the selection results in Shenzhen Qianhai. Among them, Zhaolian Consumer Finance Co., Ltd.'s "good time loan" and "credit payment" won the award of "2015-2016 Qianhai financial innovation case" awarded by Qianhai government for "the first Internet online convenient consumer credit loan product in China".

On December 6, 2017, the press conference of major institutional innovation achievements and cases of Qianhai Shekou Free Trade Zone in 2017 was held in the special zone Hall of Qianhai enterprise mansion, and Zhaolian Consumer Finance Co., Ltd. won the title of "institutional innovation laboratory".