CreditEase

CreditEase operates a diversified business model centered on inclusive finance and wealth management. The company generates revenue through service fees charged to both borrowers and lenders on its platforms. Its primary clientele includes micro and small business owners, individual consumers, as well as mass affluent and high-net-worth individuals in China. The inclusive finance arm provides loan advisory services to underserved individuals and small businesses seeking capital for purposes like startups, education, or consumption. This segment addresses a market of borrowers who often lack the credit history required by traditional banks.

The firm's wealth management division, CreditEase Wealth Management, delivers comprehensive global asset allocation services to high-net-worth and mass-affluent Chinese investors. This includes a wide array of products across fixed income, private equity, capital markets, and real estate. The company also offers specialized services such as investment immigration, international education advisory, and customized insurance solutions through its subsidiary, CreditEase Bocheng. A key component of its wealth management strategy is the use of Fund of Funds (FoF) to provide diversified investment vehicles. In December 2015, CreditEase's online consumer finance and wealth management subsidiary, Yiren Digital (formerly Yirendai), was successfully listed on the New York Stock Exchange (NYSE: YRD), marking a significant milestone as the first fintech IPO from China in the global capital markets.

Technologically, the company leverages big data, cloud computing, and AI to customize its services and enhance efficiency. It has developed a robo-advisory platform to assist mass-affluent clients with asset allocation and portfolio rebalancing, as well as a "smart insurance" platform for creating personalized insurance plans. The company has a significant national footprint, covering 255 cities and rural areas across 20 provinces in China, and has expanded internationally with offices in Hong Kong, Singapore, Israel, and the United States. Through its venture arm, CreditEase Fintech Investment Fund, the company actively invests in global fintech companies, further engaging with financial innovation worldwide.