1. Banks such as Bank of China, China Construction Bank, Industrial and Commercial Bank of China, Shanghai Pudong Development Bank and China Guangfa Bank: Cainiao Cloud Loan cooperates with banks to provide loan services to small and micro enterprises and individual users through bank credit funds. The rookie cloud loan provides services such as risk control, marketing and technology for banks, and shares risks with banks.

2. Insurance companies such as China Life Insurance and China Ping An: Cainiao Cloud Loan cooperates with insurance companies to provide users with installment payment services through insurance products of insurance companies. The rookie cloud loan provides insurance companies with service support such as user channels, risk control and technology.

3. Tmall, Taobao, JD.COM and other e-commerce platforms. COM: Rookie Cloud Loan cooperates with the e-commerce platform to provide users with installment services through the traffic portal of the e-commerce platform. The rookie cloud loan provides technical, risk control, marketing and other service support for the e-commerce platform to promote the development of consumer finance business.