YIXIN, founded in August 2014 and listed on the Hong Kong Stock Exchange in November 2017, is a leading automotive fintech platform.
Driven by technological innovation, YIXIN is committed to providing consumers with inclusive and convenient automotive financing and value-added services. Leveraging its AI-driven capabilities and technology empowerment, YIXIN also delivers comprehensive and efficient fintech solutions to partners across the automotive finance ecosystem.
Positioning
Vision
Empower every Chinese to "drive your dream home, if you like"
Business Segments
We operate our business in two segments: transaction platform business and self-operated financing business.
1) The transaction platform business, which is comprised of: (i) loan facilitation services, we facilitate auto loans offered by financial institutions to consumers, and primarily earn service fees from financial partners; (ii) fintech/saas services, we empower financial institutions with risk control capabilities and integrated tools, monetized through service fees; and (iii) other platform services, including guarantee services, value-added services, etc, whereby we primarily earn service fees.
2) Self-operated financing business, which is comprised of: (i) financing lease services, whereby we primarily generate interest revenues from consumers, and (ii) other self-operated services, whereby we primarily generate rental revenues and automobiles sales revenues.