Provide financial institutions with factoring financing, asset underwriting and transfer financing based on financial receivables, thereby improving asset liquidity.

Improve liquidity and financial leverage.

RMB 5 million to 50 million

Subject to the asset package and asset holder.

Flexible, subject to the asset package and asset holder.

Include, but not limited to, credit, credit enhancement by guarantor, and asset pledge.

Grant integrated credit to the drawers and holders in the transaction structure, and commit to offer a line of discount (i.e., guarantee) to the bill (i.e., commercial bill) to clients who meet the credit-granting criteria; provide acceptance guarantee (i.e., confirmation) for the bill payable (commercial bill) issued by clients who meet the credit-granting criteria.

Enhance corporate credit and increase liquidity.

RMB 1 million to 20 million

3 to 12 months

Flexible and diverse, subject to the asset package and asset holder.

Include, but not limited to, assured guarantee, third-party credit enhancement, and asset mortgage and pledge.

In the factoring mode, the company can provide forward (receivables) factoring financing downstream, reverse (payables) factoring financing upstream, or develop a pool factoring mode based on the account receivable of the subject.

Improve asset liquidity and asset operation efficiency.

RMB 1 million to 20 million

1 to 12 months

Match a personalized repayment mode based on capital needs and operating turnover.

Include, but not limited to, assured guarantee, third-party credit enhancement, and asset mortgage and pledge.

Provide transferee financing services to factoring companies based on the transfer of accounts receivable.

Improve the liquidity of factoring companies, and increase operating leverage.

RMB 5 million to 50 million

1 to 12 months

Flexible and diverse, subject to the underlying assets and financing entities.

Include, but not limited to, assured guarantee, third-party credit enhancement, and asset mortgage and pledge.

Provide structured factoring financing to leasing companies or holders of the leased assets.

Improve the liquidity of leased assets, and increase operating leverage.

RMB 5 million to 50 million

1 to 12 months

Flexible and diverse, subject to the underlying assets and financing entities.

Include, but not limited to, assured guarantee, third-party credit enhancement, and asset mortgage and pledge. p>

Provide advance factoring and maturity factoring financing for importers, exporters and their supply chains.

Increase credit, facilitate transactions, and improve asset liquidity.

RMB 5 million to 50 million

1 to 12 months

Flexible and diverse, subject to the underlying assets and financing entities.

Include, but not limited to, assured guarantee, third-party credit enhancement, and asset mortgage and pledge. p>

Products on the Changjinbao platform are factoring products. Investor pays consideration to the factoring company, the latter transfers account receivable to investor and repurchases it in due time, and investor gains an annualized return of 6% to 12%. In the underlying transaction, the original debtor is a powerful large and medium-sized enterprise. The principal and interest of user’s investment are guaranteed in three-aspects: repurchase by the factoring company in due time, excellent repayment ability of the original debtor, and joint responsibilities for repayment by the original creditor. Investment term is flexible and diverse, generally being 1 week to 3 months, with interest being generated from the next day. It is an excellent choice for users who prefer short-term investment.

As a professional Internet finance P2B platform of Hanhua Financial Holding, Changjinbao builds a short bridge among online loan investors, factoring companies and corporate financiers, enabling online loan investors to invest in fixed-income financing projects in a convenient, fast, safe and efficient manner. In addition, the involved financiers have excellent ability for repayment, and factoring companies repurchase the whole account receivable in due time, enabling investors to obtain a good return on investment at low risks.

Changjinbao platform coordinates with Union Mobile Financial Technology Co., Ltd. (UMF) to provide fund custody services for platform users. Funds in user accounts are kept in the accounts of the third-party payment and custody platform (UMF) only and are subject to double transaction verification. User accounts can be queried, recharged, withdrawn, and invested only with users’ authorization. The platform cannot automatically use the funds without being authorized by users, therefore effectively isolating users from the funds on the platform and ensuring fund security of investors.

egister → Open account → Recharge → Invest

1. Implement an O2O project mode to conduct due diligence offline and release online;

2. Utilize the advantages of the forward debt recovery and bad debt guarantee business to ensure worry-free investment;

3. Provide diversified transaction modes including P2P, P2B, and B2B to meet the diverse investment and financing needs of individuals and enterprises.

The platform works with a third-party payment platform (UMF) for payment settlement without illegally absorbing public deposits;

The platform accrues risk reserves for investors and improves investment security without setting up a fund pool;

The platform adheres to the concept of inclusiveness and one-to-one correspondence of projects, fully discloses information, and actively accepts supervision;

The platform serves as an information intermediary to provide open and transparent project information.

Platform self-discipline: Actively accept supervision by the regulatory authorities; regularly disclose information to investors; follow open and transparent rates; and get free from hidden charges.

Investment security: Prioritize industries with rich cash flow; conduct independent and multi-dimensional field review by product teams; monitor the status of credit in real time; and safeguard the repurchase of forward debt.

Transaction security: Adopt the encryption technology as well as the disaster recovery and backup; set up firewall isolation systems; and work with VeriSign to ensure transaction security.

Fund security: Keep funds in custody by the third-party payment platform (UMF) to ensure special funds are used exclusively for dedicated accounts, transparent funds flow information, and real-time understanding of fund status.

Information security: Adopt Norton HTTPS bank-level encrypted transmission technology to prevent malicious attacks and secure privacy of clients.