有家保险，来自北京，递交招股书，拟美国纳斯达克上市｜美国IPO市场.20230426

Ryanben Capital 港澳IPO上市 2024-02-17

2023年4月26日，来自北京的有家有保(北京)科技有限公司的实质控股股东 U-BX Technology Ltd. (以下简称：有家保险)正式在美国证监会(SEC)提交更新后的招股书，拟在美国纳斯达克上市，其股票代码为 UBXG 。其于2021年10月29日在SEC秘密递表，又于2022年1月28日公开披露招股书。

有家保险，拟以每股5美元发行500万股普通股，募资2,500万美元。

有家保险招股书链接：

https://www.sec.gov/Archives/edgar/data/1888525/000121390023032860/ff12023a12_ubxtechnologyltd.htm

主要业务

有家保险，来自北京，专注于利用人工智能驱动的技术为保险行业的企业(包括保险公司、经纪人)提供增值服务。

有家保险的业务主要包括提供以下三种服务/产品：i) 数字推广服务，ii) 风险评估服务，以及 iii) 增值捆绑收益。有家保险帮助公司的机构客户在各种社交媒体平台上获得知名度，并根据消费者的点击、观看或客户通过这些渠道的促销时间来产生收入。有家保险还开发了一种独特的算法，并将其命名为“魔镜”，用于计算保险公司承保汽车保险的赔付风险。

目前，有家保险的客户群包括全国300多家市级财产和汽车保险公司，此外还有约20万家保险经纪人每天使用我们的产品和服务开展业务。有家保险的客户包括中国人民保险公司、大家财产保险股份有限公司、中国太平洋财产保险股份有限公司、中国人寿财产保险股份有限公司、永诚财产保险股份有限公司、永诚财产保险股份有限公司等。

股东架构

招股书显示，有家保险在上市前的股东架构中，

陈健 Jian Chen，通过Superego Pulse Limited.持股35.01%、通过员工持股平台Columbu Information consulting L.P.控制8.81%，合计控制43.82%；

刘明飞 Mingfei Liu，通过EvolutionUp Limited持股 4.49%。

公司架构

招股书显示，有家保险的公司架构如下：

管理层

招股书显示，有家保险的管理层如下：

Mingfei Liu, Chief Operating Officer

Mingfei Liu has been our Chief Operating Officer since June 30, 2021, prior to which he was a chief officer in Guomei Finance since October 2018. From May 2017 to July 2018, he was the general manager of Zhonghe Ande Insurance Brokerage Company. From July 2011 to May 2017, he was the general manager of technology department of Fanhua Bocheng Insurance Brokerage Co., Ltd. He oversees the Company’s daily operations at a company-wide level and makes periodic business development plans based on the Company’s strategy. Mr. Liu is also responsible for overseeing the execution of the company strategy and business plan and coming up with solutions for issues spotted. Mr. Liu holds a Bachelor’s degree from Tsinghua University and a Master’s degree in Finance from the Chinese Academy of Social Sciences.

Jian Chen, Chief Executive Officer, Director

Jian Chen is the founder of the Company and has been our Chief Executive Officer since June 30, 2021. He was the founder and Chief Product Officer of Youbaolian from 2016 to 2018. Prior to that, he was the department head of client services department at Autohome Inc. from 2015 to 2016. Mr. Chen had held a variety of management positions at various travel agent companies in his career since 2010. Mr. Chen is in charge of setting business strategy for the Company and overseeing the firmwide operations within the Company. He is also supervising the financial situation of the Company on a regular basis. Mr. Chen holds a Bachelor’s degree in Computer Science from Wuhan Technology University and a Master’s degree in Project Management from China Agricultural University.

Xiaoli Zhong, Chief Financial Officer

Xiaoli Zhong has been our Chief Financial Officer since January 22, 2022. She was the financial director at Jia Yi Bing Ding, an automotive aftermarket company based in China. Prior to that, Ms. Zhong was the financial director at Feng Niao Chu Xing, a mobility-as-a-service provider based in China, the financial director at CloudMinds, an operator of cloud-based systems for intelligent robots based in China, and a senior manager of the finance department at Autohome Inc. (NYSE: ATHM), an automotive service platform based in China. Ms. Zhong is familiar with Chinese and U.S. accounting standards and the financial report disclosure process of U.S. listed companies and is experienced in financial accounting, financial analysis, comprehensive budget management, fund management, internal controls, financial system and process, and financial information construction.

Ms. Zhong holds a Bachelor’s degree in accounting at Dongbei University of Finance and Economics in China and holds the Intermediate Accountant qualification in China and Certified Management Accountant (CMA) qualification in the United States.

Enze Liang, Independent Director (Appointee)

Enze Liang is a managing director at Marcum Bernstein & Pinchuk LLP. Mr. Liang is a high-performing financial services and tax professional with extensive experience in diverse industries and consistent commitment to his clients. Mr. Liang provides accounting, auditing and consulting services for public companies with subsidiaries in China, as well as Chinese companies planning for M&A transactions or IPOs in the United States. Prior to joining Marcum Bernstein & Pinchuk LLP, Mr. Liang was a chief financial officer for a U.S. subsidiary of a beverage industry leader listed in Hong Kong, a senior associate in a top-five U.S. accounting firm in New York and a senior member of Ernst & Young LLP in Beijing.

Mr. Liang’s industry expertise spans financial services, manufacturing and distribution, pharmaceutical, education, real estate and the oil and gas industry. Mr. Liang also provides financial services for clients in the US REITs, equity, fixed income and hedge fund space. He advises on 401(k) retirement plans and ensures that clients are compliant with all relevant U.S. government regulations.

Mr. Liang holds an M.S. from the University of Illinois at Urbana Champaign in accountancy and a B.S. from Central University of Finance and Economics in financial management in Beijing.

H. Michael Feng, Independent Director (Appointee)

H. Michael Feng has over 25 years of extensive database marketing and credit risk analytics experience in the financial service (credit card, insurance) and consulting industries, of both multi-team leading and hands-on nature, and substantial experience in building analytics driven customer centric business transformation and operation. Mr. Feng has the leadership in delivering large scale analytics based marketing strategies for the most sophisticated consumer facing corporations, especially in consumer lending and insurance. Mr. Feng also has complete cycle management experience from team organization, to full process conceptualization, solution design, data organization, down-steam / up-stream connection, deliverable production and implementation, testing, and results interpretation and account management strategies recommendation. Examples include conceptualization of corporate transformation process to customer centric business model, big-data marketing strategies, full customer acquisition process optimization, behavior segmentation, predictive modeling, validation, analytics based strategy design and optimization, and consumer behavior analysis. In addition, Mr. Feng has in-depth industry and technical knowledge and is an expert on customer centric analytics design, account management strategy design and optimization, statistical modeling, customer segmentation, and consumer behavior analysis. Past employers include the world’s most sophisticated financial service companies, consulting firms, and online financing companies in the U.S. and in China, including Associates/CitiBank, MBNA, MasterCard Advisors, Acxiom, Ping An Group, CreditEase, and Visa.

Mr. Feng holds a B.S. from Peking University, China, in Economic Geography, a M.A. from the University of California, Los Angeles (UCLA) in Economic Geography, and a Ph.D. from Syracuse University in Applied Statistics.

Kongfei Hu, Independent Director (Appointee)

Kongfei Hu has been a real estate developer at Purple Lake Investment Ltd. since Nov 2020, with the responsibilities of overseeing the purchase of existing or undeveloped residential real estate, making improvements to any buildings on it or constructing new buildings, selling or leasing the improved land or buildings for profit. Mr. Hu has worked for Citco (Canada) Inc. as a hedge fund operational analyst for 5 years. His job responsibilities at the time were: Preparing cash, trades and positions reconciliation on a daily and monthly basis, booking GLs on a daily basis, employing Citco database, broker statements and Bloomberg to monitor and analyze daily portfolio pricing, breaking resolution for all open items with the brokers or clients, supporting the conversion of any new clients or existing migrations, liaising with international clients and other Citco Officers to meet client needs. Prior to joining Citco (Canada) Inc., Mr. Hu was a Fuel Analyst at Seaboard/Harmac Transportation Group, doing research and analysis work, from Jun 2008 to Feb 2009.

Mr. Hu holds a M.A. in Economics from Dalhousie University.

公司业绩

招股书显示，在过去的2021财年、2022财年(财政年度结束日期为每年6月30日)和2023财年前六个月(截至2022年12月31日)，有家保险的收入分别为7,236.41万、8,667.69万和5,647.51万美元，相应的净利润分别为-0.96万、-4.90万和17.97万美元。

中介机构

有家保险是次IPO的的中介团队主要有：Boustead Securities LLC为其独家承销商；Wei, Wei & Co., LLP为其审计师；江苏Junjin law Firm、Ortoli Rosenstadt LLP分别为其公司中国律师、公司美国律师；Sichenzia Ross Ference LLP为其承销商美国律师。

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