QFIN

Qfin Holdings, Inc. operates as a leading credit-tech platform in China, providing consumer and small business credit solutions through its flagship brand 360 Jietiao (360 Digital Finance). Headquartered in Shanghai, the company connects financial institutions with borrowers through advanced technology, risk assessment capabilities, and data analytics. Qfin's platform facilitates credit products including personal installment loans, line-of-credit products, and small business loans, primarily serving underserved populations that lack access to traditional banking services. The company partners with over 100 financial institutions, including commercial banks, consumer finance companies, and trusts, operating under a capital-light model where partners provide the funding while Qfin handles customer acquisition, credit assessment, and loan servicing. As of recent reports, the platform serves millions of active borrowers and has facilitated tens of billions of RMB in loan originations. Qfin distinguishes itself through proprietary risk management technology and its "Argus" intelligent risk management system, which leverages big data and machine learning to evaluate creditworthiness. The company generates revenue primarily through loan facilitation service fees, post-origination services, and referral service fees. Qfin completed its initial public offering on the NASDAQ in 2018 and continues to expand its institutional partnerships while enhancing its technology infrastructure to maintain competitive positioning in China's evolving fintech landscape.