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
  • April
    Xiaoying Wealth Management and Huarui Bank reached P2P capital depository cooperation
  • March
    X Financial won RMB 1 billion in round-B investment from a group of industry giants
  • January
    Officially upgraded to X Financial Group
  • December
    Xiaoying Card Loan was officially launched
  • November
    X Financial originally developed "WinSAFE Risk Management System" and "WinAGILE Product Development System"
  • August
    X Financial applied Xiaoying Wealth Management + Xiaoying Puhui as a “Twin-Wing Mode”
  • October
    Xiaoying Wealth Management got Chow Tai Fook’s round-A investment of RMB 400 million; and signed a strategic cooperation agreement with ZhongAn Insurance, who provides complete underwriting for both principal and interest of products sold in ZhongAn Insurance segment on Xiaoying platform.
  • August
    Official website of Xiaoying Wealth Management was launched
  • March
    Shenzhen Ying Zhong Tong Financial Information Service Co., Ltd. was incorporated in Shenzhen
Management Team
Founder, Chairman, CEO
  • Co-founder of eLong, Inc. (NASDAQ: LONG), a leading online travel service company in China, serving as the Chairman and CEO from 1999 to 2006
  • Co-founded Blue Ridge China with Blue Ridge Capital, a leading US hedge fund, served as the Managing Partner from 2006 to 2014
  • Founding Member of the China Entrepreneur Club, the Paradise International Foundation, and the Beijing Smileangel Children‘s Hospital, Member of The Nature Conservancy (TNC) China Board
  • Shaoyong (Simon) Cheng

  • Ding (Gardon) Gao

    Chief Technology Officer
  • Jie (Kevin) Zhang

    Chief Financial Officer
  • Kan (Kent) Li

    Chief Risk Officer
Main Shareholders
  • TANG Yue Famous Chinese entrepreneur.Founder of eLong (NASDAQ:LONG),Managing Partner of Blue Ridge China
  • ZHU Baoguo Famous Chinese entrepreneur.The 2nd largest shareholder of WeBank,Chairman of Joincare (600380)
  • CHOW TAI FOOK Flagship investment company owned by Dr. Yutong Zheng Family
  • ZHANG Songqiao Ranking the 20th on Hurun Property Rich List 2007.One of top 25 famous Chinese on Forbes in 2008
  • Macrolink Group Macrolink Group (000620) has more than 90 wholly owned, holding, joint-stock enterprises, including 9 holding and joint-stock listed companies
  • Yintai Group Diversified industry investment group,Has a number of listed companies domestically and abroad, and more than 100 holding and joint-stock companies
  • China Century Group Has more than a dozen subsidiaries and branches.Business conducted throughout China and US.Has more than RMB 10 billion in assets
  • Gold Mantis Enterprise (Group) Parent Company of Gold Mantis (002081) , an A-share listed company.Leading company in construction decoration and engineering services industry in China
  • City Holdings Shanghai City Holdings Co., Ltd.A commercial real estate group with its value reaching RMB 10 billion
  • Bainian Kangcheng An investment agency under China's leading health care products group