Du Xiaoman is a formal and legally established licensed financial institutions, with many financial institutions have in-depth cooperation, is committed to providing users with reliable and trustworthy services. At the same time, Duxia is regulated by the CBRC and the government, and all products are strictly filed in accordance with regulatory requirements, so Duxia is a formal and legal company.

Funds turnover to find the degree of small full, maximum borrowing amount of 200,000 yuan, the daily interest rate of 0.02%, the annualized interest rate of 7.2%, borrowing 10,000 yuan a day interest at a minimum of only 2 yuan. Currently, Duxia has been working with its financial institution partners to serve more than 10 million small and micro-enterprise owners and individual entrepreneurs. In the next three years, the company will provide trustworthy and comprehensive financial services to 30 million small and medium-sized enterprises, practicing the dream of financial inclusion.

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Du Xiaoman has become a domestic financial leader with a variety of new technologies such as Baidu AI, big data, cloud computing and so on. Currently, Du Xiaoman has exported fintech products to more than 500 financial institutions, which has been widely recognized by the industry.

Du Xiaoman has been included in the national formal regulatory system, has been docked with the central bank credit, and all kinds of business are strictly implemented according to the People's Bank of China credit management norms.

So, Du Xiaoman smart credit service is on the credit. The use of Du Xiaoman's borrowing service has money to spend need to grant credit, will query the user's credit situation, choose to agree to authorize the query of credit in order to carry out the next operation.

According to regulatory requirements, the credit line inquiry, loan application, borrowing and repayment of loans on Duxiaoman will be faithfully reflected in the credit record, and if there is a delay will also be on the central bank's credit report.

Du Xiaoman Finance's scope of involvement

There is money to spend, positioned to provide personal consumer credit services for the masses, to create an innovative consumer credit model. Utilizing Baidu's artificial intelligence and big data wind control technology, it brings Internet credit services to users, featuring easy application, fast approval, high credit limit, fast disbursement, and strong security. It has laid out a number of product lines, and the scene has covered daily consumption, medical and beauty, education, etc. It can accurately match users' borrowing needs and provide users with trustworthy credit services.

Du Xiaoman Wealth Management, formerly known as Baidu Wealth Management, is a specialized wealth management platform under the umbrella of Du Xiaoman Financial, which provides a wide range of products such as public equity funds, securities firms' joint venture management plans and insurance.

DuXiaoman Payment has built a complete payment ecosystem by cooperating with Baidu and external partners such as Mobile Baidu, Baidu Maps, Baidu Nuomi, Aiki, Ctrip, etc.

DuXiaoman Payment is the largest payment platform in the world.

The joint efforts of multiple business segments of Duxiaoman Finance are practicing the ideal of financial inclusion: letting finance be integrated into the clothing, food, housing, and transportation of ordinary people, helping people to realize their dreams of a better life, and allowing more people to have equal and convenient access to financial services.