Corporate Profile

X Financial is a leading fintech company which commits to providing personal financial services based on mobile internet and big data in China, satisfying the financing needs of borrowers and meeting the investment demands of investors. X Financial is comprised of many individual brands, including Xiaoying Wealth Management, Xiaoying P2P, Xiaoying Puhui, Xiaoying Card Loan, and all with a focus on the core values of customer first, superior experience, respect for risk, innovation and sharing.

Organizational Structure

Beijing: Established in Mar. 2015

Shanghai: Established in May. 2015

Head Office in Shenzhen: Established in Mar. 2014

Corporate Culture
  • Mission

    To utilize internet technology to build the leading personal finance company in China

  • Vision

    Reshape personal financial experience through technology

  • Culture

    Customer first,Respect for risks,Openness and equality,Innovation and sharing

Corporate History
  • 12
    X Financial had its registered users of more than 12 million
  • 11
    Xiaoying Wealth Management had its accumulated total transaction volume exceeding RMB 100 billion
  • 04
    Xiaoying Wealth Management and Huarui Bank reached P2P capital depository cooperation
  • 03
    X Financial won RMB 1 billion in round-B investment from a group of industry giants
  • 01
    Officially upgraded to X Financial Group
  • 12
    “Xiaoying Card Loan”, a micro unsecured loan product tailored for young white-collar users was officially launched
  • 12
    Xiaoying Wealth Management won “Annual P2P Lending” award of CFV, China Financial Value Ranking evaluated by
  • 11
    X Financial originally developed "WinSAFE Risk Management System" and "WinAGILE Product Development System"
  • 10
    Xiaoying Wealth Management was awarded the “Best Innovative Fintech Enterprise Award” at the 12th Beijing International Finance Expo
  • 08
    X Financial applied Xiaoying Wealth Management + Xiaoying Puhui as a “Twin-Wing Mode”
  • 12
    Won "China's Annual Top 10 Innovators" of 2015 Wuzhen World Internet Conference
  • 10
    Xiaoying Wealth Management got Chow Tai Fook’s round-A investment of RMB 400 million; and signed a strategic cooperation agreement in risk management, data and customers acquisition with ZhongAn Insurance in order to further deepen the cooperation
  • 08
    Official website of Xiaoying Wealth Management was launched; and earned a transaction volume exceeding RMB 15 million in the first month
Management Team
Yue Tang
Chairman and CEO of X Financial
  • As the founder of X Financial, Mr. Yue Tang holds the post of Chairman, CEO and Legal Representative since Mar. 2014.
  • Mr. Yue Tang, one of the most celebrated entrepreneurs and investors in Chinese Internet industry, was once the co-founder of NASDAQ: LONG, a leading online travel agent (OTA) of China, and acted as the Chairman and CEO from 1999 to 2006. Thereafter, he co-founded Blue Ridge Capital China, a top Chinese private equity fund, together with Blue Ridge Capital, which is one of the world famous hedge fund firms, and then served as its founding partner from 2006 to 2014.
  • Moreover, Mr. Yue Tang is also the founding council member of China Entrepreneur Club (CEC) and The Paradise International Foundation, the member of Chinese council of The Nature Conservancy (TNC), and one of the founders of Beijing Smileangel Children’s Hospital.
  • Mr. Yue Tang graduated from Nanjing University with his major as Business Administration, and obtained the Bachelor’s Degree from Concordia University.