What is Phoenix Finance?

Phoenix Finance is a comprehensive intelligent financial service platform serving Chinese people all over the world. [1] Phoenix Finance was incorporated in Beijing on August 22, 20 14 and officially launched on February 2, 20 14.

After years of publicity, Phoenix Finance has been regarded as a financial service platform hatched by Phoenix Satellite TV Group, and its development goal is "a comprehensive intelligent financial service platform serving Chinese people all over the world". At that time, Phoenix TV had high hopes for Phoenix Finance.

20 15 12 16 in an interview with media reporters at the second world internet conference, a founder and executive of phoenix TV said that phoenix TV group is undergoing transformation, such as the intelligent financial service platform phoenix finance, which generated a transaction volume of 7.5 billion yuan in the past 1 1 month. [2-4] [58]

On the development strategy, on the one hand, the brand reputation accumulated by Phoenix Satellite TV Group in the past 20 years has laid a high-quality foundation for the development of Phoenix Finance; On the other hand, Phoenix Finance has always been committed to building a win-win ecosystem for Chinese people around the world, and its development momentum is rapid. Online transactions only took half a year, and the total turnover has exceeded 3 billion yuan. [55]

According to Haikou Public Security News, on April 30th, 20021year, Phoenix Finance officially put on record for investigation. The actual controller, He Mou, has been under criminal detention. Phoenix Finance cooperates with all kinds of high-quality financial institutions to dig deep into high-quality financial assets, provide users with high-quality diversified investment and wealth management products and customized professional intelligent services, create a wealth management plan that is more in line with users' own needs, integrate humanistic feelings into financial services, create more value for users, create an honest and healthy financial environment for the society, and effectively promote the development of inclusive finance.

As an intelligent investment and wealth management platform under Phoenix Satellite TV Group, Phoenix Finance solemnly announced to the outside world that Phoenix Finance International Station was officially launched on 20 1713, and was the first to launch a US real estate fixed-income wealth management product tailored for Chinese people around the world, committed to providing users with one-stop, diversified, international and intelligent investment and wealth management services. This move marks the official opening of the global strategic layout of Phoenix Finance.

Phoenix Finance, as an important part of the diversified strategic layout of Phoenix Satellite TV Group, takes "one-stop wealth management+internet intelligent technology" as the two cores as the engine. At the end of 20 15, Phoenix Finance obtained strategic shares from state-owned financial shareholders such as CITIC and Chinese Academy of Sciences, and realized the Series A financing of 80 million US dollars, which is the real dark horse of the Internet finance industry in China. [56]

2017 On April 18, Phoenix Finance, a subsidiary of Phoenix Satellite TV Group, and Bank of Beijing signed a formal cooperation agreement in Beijing to reach a comprehensive strategic cooperation.

Member of Central Bank Internet Finance Association

(1) Association under the Central Bank

China Internet Finance Association is approved by the State Council, led by the People's Bank of China, and composed of China Banking Regulatory Commission, Payment and Clearing Association and China Securities Regulatory Commission. And it has a huge impact on the internet finance industry.

(2) Members of the Association should stick to their safety commitments.

As a member of the Association, Phoenix Finance signed the Self-discipline Convention of China Internet Finance Association and the Proposal for Healthy Development of Internet Finance Industry. I. Formal financial service enterprises

Access standards: Strict access standards are set for cooperative financial service enterprises, which are limited to enterprises wholly owned or controlled by the state, whose controlling shareholders have been listed on the stock exchange, wholly owned or controlled by well-known foreign-funded financial enterprises, or which have received capital injection from top investment funds or institutions.

Institutional qualification:

Having the business qualification issued by the CBRC and the competent department of the provincial (city) government; The credit rating is among the best.

Institutional advantages:

Financial service enterprises have standardized business practices, are in a leading position in their respective fields, have greater influence in the industry, can attract truly high-quality borrowers, and establish stable cooperative relations;

Its controlling shareholder has a good reputation and extensive influence, and its high-standard shareholder background makes financial service enterprises always take legal compliance as the primary principle;

Financial enterprises have contacted many banks and maintained close cooperation with them for many years.

Second, the investment target review

Financial service enterprises audit borrowers with bank-level standards, conduct strict, detailed and comprehensive investigations on borrowers' credit status, operating conditions, financial data, risk control measures and other information through effective channels such as field visits and data analysis, and screen out high-quality loan projects from a large number of loan projects.

Third, the fund guarantee system.

The fund depository reached between Phoenix Finance and Bank of Beijing was officially launched on September 4, 20 17, and became one of the platforms for accessing bank depository in the industry. Its deposit and management mode is direct deposit and management mode, which is characterized in that the funds in the whole transaction process are settled directly through the bank's online banking system without the intervention of a third party, which adds a lot of protection to the user's fund security.

After the fund depository system goes online, you can do the following:

1. Account isolation and fund security: the platform account is fully upgraded to a bank depository account, and the bank closes the circulation of users' funds to ensure the safety of users' funds;

2. User authorization operation and transaction security: independent payment password, bank internal data encryption, fund operation according to user instructions and authorization to protect user transactions;

3. Embrace regulatory compliance to make investment safer: actively embrace regulatory compliance, be completely compliant and professional, and record transaction information in the bank to ensure the compliance and authenticity of each fund, and build a solid fortress for users' investment [10].

CFCA safety certification

The platform has passed the financial security certification of CFCA (China Financial Certification Center) and is protected by People's Republic of China (PRC) (PRC) Electronic Signature Law, providing all users of the platform with the highest domestic security level as a guarantee.

Four. Information transparency mechanism

For the money invested by each investor, it directly corresponds to the investment target, the capital flow is clear and traceable, and there is no risk of maturity mismatch on the platform. As a pure information intermediary, the platform issues high-quality bidding quotations in time, strictly abides by relevant national laws, regulations and guidance, does not set up a fund pool, does not provide guarantees for both parties to the transaction, and does not repackage investment funds and investment targets.

Dynamic monitoring mechanism of verbs (abbreviation of verbs)

Financial enterprises have a professional risk control team to dynamically monitor the whole process of investment targets and strictly control the source risks.

At the same time, the platform regularly tracks the credit status of financial service enterprises and timely adjusts the information release rules of financial service enterprises on the platform.

Six. Information security system

IT system security: Bank-level security protection architecture and redundant disaster tolerance design ensure the stability and reliability of the system.

Data security: adopt various technologies to isolate data storage and access, and adopt leading communication encryption and data encryption technologies to ensure information security. The server is monitored 24 hours a day and backed up in real time.

Security: The platform adopts multiple and multidimensional privacy protection mechanisms to strictly protect users' privacy information. [ 1 1]

Intelligent financial editing and broadcasting

Phoenix's intelligent system based on Fintech technology is also fully rolled out in the middle and back-office systems, covering several modules such as channel management, user management, enterprise risk control and financial management. It is supported by many mature technologies, such as wind flying engine, wind system, Yufeng Vientiane Wind Control (Enterprise Edition), Yufeng Vientiane Wind Control (Personal Edition) and Yanfeng Cai Hui. On the front-end system, in addition to innovating and developing the first Fengming intelligent information engine based on big data financial events and investment decision-making auxiliary algorithm model in China, it will gradually introduce smart investment products such as Zheng Zhun Zhitou and Chaowei Fund Lab. [ 12]

Phoenix Financial has built a "one-stop intelligent financial management platform", which has the ability to understand the needs of users and institutions, product availability, customized services and personalized risk pricing [8], and to understand users' living conditions, wealth and financial management goals. Phoenix Finance can judge users' risk preferences, psychological tendencies and behavioral characteristics, predict users' life cycle risks and financial needs, and recommend economical product combinations for users [13].

Collaborative platform editing and broadcasting

2017 On April 18, Phoenix Finance, a subsidiary of Phoenix Satellite TV Group, and Bank of Beijing signed a formal cooperation agreement in Beijing to reach a comprehensive strategic cooperation. Relying on the resource advantages in the fields of Internet and traditional finance, and based on the "Caijing Yilian" Internet financial service system released by Bank of Beijing on the same day, we will carry out in-depth cooperation in fund deposit and management, account service, payment and settlement, and fund management.

Phoenix Finance said: Phoenix Satellite TV and Bank of Beijing have a successful development history of more than 20 years. Both sides have unique resources and advantages in content, finance, science and technology. Strategic cooperation will help to further enhance the overall, financial innovation and service capabilities of both parties. [6] [ 14]

20 18 10, Haikou Municipal People's Government of Hainan Province reached a strategic cooperation with Phoenix Financial Group. This cooperation is based on the win-win situation of financial inclusion. On the premise of compliance, the "try first" policy launched by Hainan Free Trade Zone will bring rapid development to the business development, technological innovation, financial innovation and global layout of Phoenix Financial Group. 2065438+August 2004-Phoenix Finance was established.

20 14 12- online trading platform [15]

20 15 12- Obtained $80 million in Series A financing [16]

20 16 1 month-platform transaction volume breakthrough 10 billion [17].

2065438+March 2006-Became a member of China Internet Finance Association [18].

20 17 65438+ 10-Phoenix Finance International Station officially serves overseas Chinese users online [19]

2065438+September 2007-Fenghuang Finance Fengming Intelligent Information was officially released [8].

20 17 10- phoenix financial wealth management center was established [20]

Enterprise honorary editor broadcast

20 19 was selected as "20 19 KPMG China Top 50 Financial Technology Enterprises" [2 1].

In 20/0/9, KLOC was awarded "Digital Wealth Management Service in China in 20/0/9" by Asian Banker magazine [22].

20 19 China Wealth Management Innovation International Summit Phoenix Finance won the User Experience Award again [23].

20 19 Hurun New Finance Best User Experience Award [24]

20 19 won the "20 19 Innovation Platform Award" [25-26].

20 18 won the "Outstanding Award for Independent Wealth Customer Experience" [27]

In 20 18, it won the title of "Excellent Competitiveness of Enterprises with Financial Technology Influence" [28-29].

20 18 was selected as "Top Ten Best Popular Financial Management Platforms of Bugu New Finance" [30].

In 20 18, it was awarded "Industry Influence-Outstanding Organization of the Year" by Phoenix.com Wemoney shopkeeper Award [3 1].

20 18 phoenix finance was elected as the governing unit of China internet finance association [32].

2065438+In September 2008, Phoenix Financial Group signed a strategic agreement with Haikou Municipal People's Government of Hainan Province [33].

20 18 was elected as the vice president of the Financial Technology Industry Branch of China Private Technology Industrialists Association in April [34-35]

20 18 was shortlisted for the annual international innovation award and the most successful cross-border cooperation award [36] [37].

In 20 17, it won the "brand of wealth management influence of the year" award [38].

In 20 17, it was awarded "Outstanding Financial Technology Institution of the Year on Wall Street" [39].

In 20 17, it won the "20 17 financial technology emerging enterprise" award from China Enterprise [40].

In 20 17, it won the "20 17 brand of financial technology influence" award.

In 20 17, it won the "Top 50 Financial Platforms of 20 17 recognized by new financial investors in Bugu".

20 17 won the "China Financial Security Technology Innovation Award" [4 1]

In 20 16, it was awarded the title of "Top Ten Enterprises with the Most Influential Financial Technology Competitiveness" [42].

In 20 16, it won the "Excellent Brand Award" in China Financial Science and Technology Innovation List.

20 16 won the 10th golden cicada award "20 16 technology and finance company".

In 20 16, it won various awards such as "20 16 China Financial Technology Pioneer Enterprise" [43-44].

20 16 won the "Excellent Risk Control Ability Award" [45-46]

20 15 won the "Top Ten Innovation Awards" [47]

20 15 won the Best Brand Image Award of the 4th China Finance and Economics Summit [48-49];

20 15 won the award of "20 15 excellent competitive innovative financial institution". [50]

In 20 15, it won the "Brand Jinbo Award 20 15 China (Internet Finance) Industry Leading Brand". [5 1]

In 20 15, it won the title of "China Internet Finance Industry Integrity Demonstration Enterprise". [52]

20 15 was rated as "the most credible enterprise of internet finance" by Economic Observer. /pic/2e 2 EB 9389 b 504 fc2d 56224 e 22 E8 df 0 1 190 ef 77 c6c 78 1？ x-bce-process=image/resize，m_lfit，w_ 1280，limit_ 1/format，f_auto