和信贷递交美国IPO 申请，拟融资8千万美元

2017年9月29日， 又一家中国P2P公司： 和信贷向美国SEC递交IPO F-1表格申请, 拟融资8000万美元。审计师为麦楷博平Marcum Bernstein & Pinchuk LLP

招股书显示，和信贷面向中国新兴中产阶级日渐增长的消费需求提供贷款。从截至2015年3月31日这一财年到截至2016年3月31日的这一财年，通过其在线平台的总贷款额同比增长42.9%，而到截至2017年3月31日的这一财年又同比增长11.5%。从截至2016年6月30日的这一季度到截至2017年6月30日的这一季度，通过其在线平台的总贷款额同比增长了54.4%。

招股书指出，从截至2015年3月31日的这一财年到截至2016年3月31日的这一财年，其信用贷款的总贷款额增长了1552.8%，而到截至2017年3月31日的这一财年又同比增长了253.7%。从截至2016年6月30日的这一季度到截至2017年6月30日的这一季度，信用贷款的总贷款额增长了256.5%。

招股书还表示，和信贷为投资者提供有着适当风险水平和风险调整后回报率的多种类型投资品。回头客投资者的比例表明，其获得了很高的投资者满意度和忠诚度。其平台上贷款的平均年化投资回报率为8%到15%。截止2017年6月30日，其平台上超过55.6%投资者投资超过一次。在截至2016年3月31日和2017年3月31日的两个财年中，借款者总数分别同比增长579.7%和158.4%，投资者总数分别同比增长81.8%和99.3%。在截至2017年6月30日的这一季度中，借款者和投资者总数分别同比增长194.8%和83.3%。

在截至2016年3月31日的这一财年，其营收为1190万美元，高于截至2015年3月31日这一财年的460万美元，同比增幅156%。在截至2017年3月31日的这一财年，其营收为2290万美元，同比增长92.7%。在截至2017年6月30日的这一季度，其营收为1510万美元，高于上年同期的390万美元，同比增幅286.7%。在截至2016年3月31日的这一财年，其净利润为350万美元，而截至2015年3月31日的这一财年为净亏损350171美元。在截至2017年3月31日的这一财年，其净利润为860万美元，同比增长142.2%。在截至2016年6月30日和2017年6月30日的两个季度中，其净利润分别为130万美元和890万美元。

年轻的管理层团队

以下是该公司主要管理层的简历（来自招股书），有一个共同的特征是，都比较年轻，大多在30出头，实属年轻有为；团队在专业背景方面， 财务和风险管理团队中有来自其他中概上市公司的背景或者银行业的背景。

 Mr. An Xiaobo, aged 34, founded and has held the position of our chairman since the inception of our business. He became our director in February 2017. Before founding our company and the creation of the "Hexin" brand, Mr. An Xiaobo founded Beijing Zhongdashixing Business Co., Ltd, Hexindai Wealth Management Co., Ltd, Hexindai and Hexindai Financial Information (Beijing) Co., Ltd. He served as a credit approval manager in Huaxia Bank from 2004 to 2008 where his responsibilities included the supervision of credit card application review. Mr. An Xiaobo received a bachelor's degree in advertising from Hebei University. He was awarded the "Outstanding Innovator of the Financial Industry in China" title by the prestigious Economy magazine and Huazun Prize panel in 2014.

        Mr. Zhou Xinming, aged 33, has served as our chief operations officer since inception of our business and our chief executive officer since August 2016. He became our director in February, 2017. Prior to joining our company, Mr. Zhou was chief executive officer of Beijing Triangle Technology from 2013 to 2014, and was senior product manager of JD.com, a NASDAQ listed company (NASDAQ: JD), from 2010 to 2012. From 2007 to 2010, Mr. Zhou served as a products director in the Ninetowns Group (Ninetowns Internet Technology Group Company Limited was a NASDAQ listed company from 2004 to 2014 (NASDAQ:NINE)). Mr. Zhou received a bachelor's degree in English from Beijing University of Technology.

        Mr. Zhang Qisen (Johnson), aged 34, joined our company in August 2016 and has served as our chief financial officer since February 2017. Prior to joining our company, Mr. Zhang served as the board secretary and investor relations director to China Ming Yang Wind Power Group Limited, a NYSE-listed company (NYSE: MY) from 2014 to 2015, where he was involved in corporate finance projects and overall management of the company. From 2010 to 2014, he served as a director of FunTalk China Holdings Ltd., a NASDAQ-listed company (NASDAQ: FTLK) where he provided

financial modelling and analysis services. Mr. Zhang also worked at H&D Investment Consulting from 2007 to 2010 and International Data Corporation from 2005 to 2007. He graduated from the University of International Business and Economics, where he was awarded a bachelor's degree in Business Administration.

        Mr. Chen Weixing, aged 40, has served as our senior vice president since inception. Prior to joining our company, Mr. Chen was a senior financial manager of Elong, a NASDAQ-listed company (NASDAQ: LONG) from 2006 to 2013, where he provided financial management services. From 2004 to 2006, Mr. Chen served as a financial consultant at China Financial Consultancy Co., Ltd.. He also served as a financial analyst of a joint venture company of Lenovo, a Hong Kong Main Board-listed company (HKSE: 0992) from 2000 to 2004, where he performed financial modelling and analysis services. Mr. Chen graduated from Peking University, where he was awarded a bachelor's degree in Financial Management, and received a Master's of Business Administration from University of Aeronautics and Astronautics. Mr. Chen has been a member of the Institute of Financial Accountants since 2015 and a member of the Institute of Public Accountants since 2015.

        Ms. Wang Dongling, aged 36, joined our Company in 2015 and has served as our chief risk officer since 2016. Prior to joining our company, she was approval manager of Pinganpuhui Finance from 2005 to 2015, where her responsibilities included supervision of the assessment team in the verification of customers' application and information. Before that she served as investment advisor of Shenzhen Newrand Securities Investment Consulting Firm from 2001 to 2005, where her responsibilities included supervising marketing activities and products promotional campaigns. Ms. Wang graduated from the Heilongjiang School of Economic Management where she was awarded a diploma in Accounting Computerization.

        Mr. Gao Tianhao, aged 30, has served as our chief marketing officer since May 2017. Prior to joining our company, Mr. Gao was chief marketing officer of Wanhui Investment Management Company Limited, also known as PPMoney, from March 2014 to March 2017, where he was in charge of branding and marketing positioning, as well as conducting user and market research analyses and managing marketing activities. He also served as vice president of the Beijing branch of IZP Group from September 2010 to February 2014, and a client manager of Ogilvy One from September 2006 to August 2010. Mr. Gao graduated from Communication University of China, where he was awarded a master's degree in communications.

        Ms. Hua Lili, aged 32, has served as our chief operations officer since June 2017. Prior to joining our company, she was the operations manager of Souyidai (Beijing) Information Technology Consulting Company Limited, a subsidiary of the Sohu Group (NASDAQ: SOHU) from March 2016 to May 2017, where she was in charge of the internal and external operations of the company, as well as the management of all operations department staff and the implementation of the company's operations and strategies. Prior to that she was Operating Director of Baoshang Bank from April 2015, apps operations manager of VIP Shop from June 2014 to April 2015, operations manager of Qihoo 360 Technology Co., Ltd from December 2012 to April 2014 and operations manager of Taobao, a subsidiary of the Alibaba Group (NYSE: BABA) from October 2008 to January 2010. Ms. Hua graduated from Beijing Fashion Academy, where she was awarded a master's degree in fashion design.