The company officially opened on June 7, 20 14 with a registered capital of 637 million yuan, of which Zhangjiakou Bank Co., Ltd. contributed 300 million yuan, accounting for 47.1%; Shenzhou UCAR Co., Ltd. invested 250 million yuan, accounting for 39.25%; Blue Whale Holding Group Co., Ltd. contributed 87 million yuan, accounting for 13.65%.
Second, the organizational structure
Since its establishment, the company has always adhered to the principle of streamlining and high efficiency, and established a "three meetings and one layer" corporate governance system including shareholders' meeting, board of directors, board of supervisors and management. The Board of Directors established a joint committee on risk management and innovation, which consists of seven committees, namely, product planning and innovation committee, asset-liability management committee, financial review committee, talent construction and system planning committee, risk and internal control management committee, centralized procurement committee and information technology management committee.
According to the needs of strategic planning and business development, the company implements a matrix organizational structure, and on the basis of vertical functional departments, it sets up eight business divisions horizontally. The new architecture system has both vertical professional management axis and horizontal business department management axis. Realize more professional management on vertical functional lines, and focus on strategy and create value on horizontal business lines. The overall structure includes the front desk business development department, the middle desk business support department and the back office business support department.
By the end of 20 19, the company had 278 employees, including 58 graduate students, 203 undergraduates and 7 undergraduates.
Third, business development.
The company adheres to the main line of "integrating into Internet ecology, integrating into Hebei ecology and integrating into shareholders' ecology", takes product service, content service and ability service as the core objectives, strengthens the support of key capabilities such as technology development, risk management and product operation, enhances the scale of assets under management and the number of customers, strengthens quality improvement and efficiency improvement, highlights capacity building, realizes characteristic operation and sustainable development, and builds a technology-driven public company featuring smart finance and inclusive finance.
By the end of 20 19, the accumulated loans of Happiness Elimination Fund were nearly 50 billion yuan, an increase of 27 billion yuan in the whole year; The scale of credit assets exceeded 7 billion yuan, up 98% from 3.57 billion yuan in the previous year; Registered users exceeded120,000, with 7.6 million credit users and 4.9 million new customers. There are 7/kloc-0 credit banks, with a cumulative credit line of/kloc-0.57 billion yuan, covering various types of financial institutions such as state-owned banks, joint-stock companies, city commercial banks, rural commercial banks and private banks. The operating income was 380 million yuan, up 17 1% from 65438+400 million yuan in the previous year, and the profit was nearly 50 million yuan.
Fourth, the operating characteristics
Happiness consumer finance adheres to the technology-driven strategy and always adheres to the technical route of independent design, independent research and development and independent innovation. The company has built a distributed system cluster based on "micro-service" technology, completely getting rid of the dependence on system suppliers. The application architecture has evolved from "Jushi" to "Lego", and the ability of rapid business assembly has been shortened from 60 days on average to 15 days. The system architecture has developed from a "single point" system to a "distributed" system, and the design capacity of the system has moved from one million to one hundred million. The technology architecture has evolved from "Party B's closed framework" to "independent open source micro-service architecture", which has mastered the initiative of technology destiny. Through the construction of OpenApi interface and the intermediate platform of Fingo, the ability to connect assets and funds is strengthened, which lays a solid scientific and technological foundation for fast access to channels, joint loan business and open capital elimination ability. By the end of 20 19, the company has launched 66 independent research and development systems and 188 applications. Obtained 30 software copyrights, 40 trademark registration certificates, and 5 patents 1; At the beginning of 20 19, it was rated as a high-tech enterprise in Hebei Province by the Science and Technology Department of Hebei Province.
Happiness consumer finance regards risk management ability as the key task of building core competitiveness. Under the guidance of the overall risk management framework, we will adhere to the risk preference of compliance, controllability and stability, and the target customers are hardworking, extroverted, temperate and happy-seeking people. The company has built Mozi's risk control system based on credit life cycle management, including Shang Tong-channel evaluation system, Tianzhi-anti-fraud system, universal love-customer access and approval system, cash-customer management system and non-attack-asset management system. Among them, the "universal love"-differentiated customer evaluation system is mainly based on central bank credit information and tripartite credit information data. We independently developed nearly 10,000 central bank derivative variables, introduced about 70 tripartite data, and established more than 70 models. Based on the three dimensions of repayment ability, repayment willingness and stability, 15 sets of strategy systems are designed, including 1370 potential variable rule models and 300 online applications.
Happiness consumer finance has created a product system with industry characteristics. At the beginning of the company's establishment, it focused on creating a joint loan product "Xifujie". Cooperation with financial institutions with good risk control capabilities through the Internet platform, giving customers the same credit and approval, has now formed economies of scale. The company developed its own product "Happy Flower", which realized the whole online H5 application. Users can get the quota without downloading the app, and quickly realize the super-docking of loans. Offline differentiated marketing was carried out for existing customers, and an O2O invitation module was developed. In addition, the company launched Happiness Mall, which organically combined the official accounts of shareholder app, H5 and WeChat, embedded them with each other, gathered customers, and deeply explored the consumer demand of users. In 20 19, according to the regional economic characteristics of Beijing-Tianjin-Hebei and residents' consumption tendency, the company focused on the ecological scene of shareholders and built a "happy life" product system in Hebei. Focus on education, wedding, dentistry, moon center, home improvement, shopping malls and other consumer needs closely related to people's lives. , and cooperate with shareholders * * * to select local high-quality merchants. While gaining customers independently with the help of real scenes, we can also provide users with more comprehensive inclusive finance services with the help of joint marketing of shareholder product systems.