CreditEase

May 2018

CreditEase: Twelve-Year Path

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Mission

Better tech, better

finance, better world

Vision

To be the world’s leading

FinTech Company in

Inclusive Finance and

Wealth Management 2006 2009 2011 2012 2013

2014 2015 2016 2017

Elected as Standing

Committee member of

China's Internet Finance

Industry Association

CreditEase Bocheng

Insurance Agency Listed

on NEEQ

“CreditEase: Taking

Inclusive Finance

Online" adopted as

case study by Harvard

Business School

Singapore Office

established

First CreditEase FoF Launched

Hong Kong Office established

YRD Enabling Platform

launched

“Best Wealth

Management Firm of The

Year” by Asia Money

YRD listed

on NYSE

Strategic Cooperation

with China Guangfa

Bank

Domestic：

280+ China Cities（Including HK）

Rural Areas in 20 Provinces

Our Global Footprint

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Overseas：

Asia Pacific： HK / Singapore

/ Australia

North America：U.S. / Canada

Europe：Germany / U.K.

Middle East：Israel

• In Dec 2016, CreditEase Insurance

Agency was listed on NEEQ ,

• Code: 870032

• On Dec 18th 2015, Yirendai (YRD) was

successfully listed on the NYSE

• Current market cap over $1.9 billion

Yirendai: the 1st Chinese FinTech Stock on NYSE;

CreditEase Insurance Agency: Listed on NEEQ

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CreditEase Fintech Innovation

Marketplace

Lending

Wealth

Management

Blockchain

SME

Lending

Supply

Chain

Finance

Credit

Platform

Blockworm Credit Storage 自有区块链系统

O2O Management Platform

Insurtech

Enterprise

Solutions

Private Equity

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1. Inclusive Finance – CreditEase Roadmap

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Micro-Credit Micro-Finance Tech-Enabling > >

~ 300 bn Loan Facilitation

3 mm + Borrowers

~ 100 bn+ Outstanding Balance

Consumer

Loan

Rural

Financing

SMEs Cash

Management

Insurance

Consumer Financing

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Partnering with leading firms

FinTech Working with Banks, Consumer Finance Firms, Charities etc.

70 bn + Loan Facilitation

12 Years Risk Control Experiences and Data

1,000,000+ Fraud Detection Points

2 Batches ABS issued

USD 1.9 bn 2018/5/14Market value

SME Financing

Specializes in 15 vertical industries Supports 30+

domestic and international platforms

E-Commerce

vendors

Off-line small

businesses

SMEs with

digitalized operation

SMEs along supply

chain 翼启融

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Agri-Financing

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• 25 provinces

• 28 agricultural machineries,

from transplanting to

processing

• Innovative “Live Lease”,

financed over 50,000 cows

• AgriTech company, focusing

on agriculture SaaS and

financing service

• 14 provinces, 27 partners

• Loan facilitation RMB

288mm

• 24,907 rural households

served

3. FinTech Enabling

Application

layer

System Layer

Technology

layer

CreditTech

• Export full process FinTech

capability from Client

Acquisition, Risk Control to

Post-loan

WealthTech

• Robo adviser

• FoF AI Management Platform

• InsurTech

Customer acquisition

Risk mgmt

Post-loan Mgmt

Intelligent operation and maintenance system - AI Ops

Cloud Computing Big Date Block chain AI

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Data analytics

CreditTech: covering lending process

Yirendai

Enabling Platform

40 partners

data-driven client

segmentation 400+

Decision rules based on modelling and

analytics

1,000,000+ Anti-fraud check

points based on unique Yirendai

risk management system

Customer acquisition Data

analytics

1,000+partners

130million enquiries

100million enterprises PBOC enterprise credit bureau license

Risk

management

Post-loan

management

Risk Management

Cloud

2017 YEP revenue 9.5million

Online

Lending

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Thank you!

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