Company Profile

Mashang Consumer Finance Co., Ltd. (MSCF) is a tech-driven financial institution with a consumer finance license by China Banking and Insurance Regulatory Commission (CBIRC). We started business in June 2015, and completed three rounds of capital injections respectively in 2016, 2017, and 2018, total registered capital amounting to 4 billion as of now. Our shareholders include CBEST(600729.SH), ZKJ Technology, WUMART Technology, Chongqing Bank(01963.HK,601963.SH)), Sunshine Property Insurance, China Zhejiang Commodities City Group(600415.SH), together with whom we have also got new strategic investors such as CICC, China Securities, and Chongqing Liangjiang New Area, which are either central or local state-owned entities.

Upholding the mission that TECHNOLOGY MAKES LIFE EAIER, MSCF is devoted to be the most trusted financial services Inc. around the world by technology empowers innovation, also provide distributed and petty consumer finance service for people from everywhere who need financial services, so MSCF always considers consumers as our centrality, concentrates on inclusive finance. We try our best to boost consumption upgrading, stimulate domestic demand and serve for the development of substantial economy, We invariably make the positive contributions to the development of social economy, for instance local Taxes, obtaining employment, etc. At the end of 2022, the taxes 66 billion yuan had been paid, and over 2700 jobs had been created by us.

As a technology-driven financial institution, MSCF attracted a lot of elites from some fields like finance, big data and artificial intelligent, etc all over the world. The technical team consists of about 2000 developers, and the risk management team is also made up of over 200 analysts. We set up a Artificial Intelligent Research Institute, Post-doctoral Research Station, furthermore Smart Finance&Big-data Lab. We also have co-built national level Applied Math Center with Chinese Academy of Sciences as well as Chongqing Normal University, and the research subjects we carried out have greatly improved our research-practice capability, with which we are able to develop over 1000 systems that can serve the consumer finance business process from start to end. We have also filed over 1000 patents(stable ranking TOP 1 in the industry) and acquired 83 software copyright certificates.

Nowadays, we have been recognized as AAA credit entity and national high-tech enterprise. We have also been listed by MIIT as one of the new AI innovators, and meanwhile become one of the first members of AI Sub-committee of the Technical Committee on Information Technology Standardization (SAC/TC28/SC 42). Two of our research subjects were awarded the first prizes in IT risk management of banking sector by CBIRC. The PBOC has also prized us as prominent institution in credit data management. Our company has been selected as “Chinese Service Enterprises Are In The Top 500” for four consecutive years. Zhao Guoqing, the CEO, was also recognized as prominent innovator by MOST, as well as the leading technology entrepreneur of the national 10000 Talents Plan in the forth batch by the Organization Department of the Central Committee of the CPC.


Behind each honor, there always stands a mission that MSCF has devoted itself into.

MSCF offers micro finance service to low-income clients by sticking to the principle of “putting clients first”. It uses technology and finance as its tools to boost domestic demand and empower the real economy.

Proprietary research and development are the foundations of MSCF. That may explain how MSCF has been accredited as National High-tech Enterprise, and become the sixth financial institution in China and the first in Chongqing to get such honor. Besides, MSCF is the only enterprise from Chongqing among the very first other ones as a co-builder of “National Applied Mathematics Center”. It was also put on the name list of Major Innovative Enterprises for New Generation AI by Ministry of Industry and Information Technology, making inroads into the national team for AI company players.

MSCF has one enterprise technology center, one national campus-practice platform, one post-doctoral station, one provincial big data and smart finance lab, and two first prizes for respectively two IT risk management researches conferred by CBIRC.

MSCF worships entrepreneurship. Mr. Zhao Guoqing, Chairman of MSCF, was listed the Innovative Entrepreneurs by Ministry of Science and Technology as the only one who was a financial institution’s head. He was also included in the 4th batch of 10,000 Talents of IT Entrepreneurs by the Organization Department of the Central Committee of the CPC. Nevertheless, 25 employees of MSCF were nominated in the list of Hongyan Plan by Chongqing Municipality.

Up until now, MSCF has also been recognized as Top500 China Services, Top100 Chongqing Enterprises, Top100 Chongqing Services, China Top50 Fintech by KPMG 5 years in a row, the best awards for financial technology(financial cloud) application by IDC, and many others. MSCF was also identified as AAA Creditable Entity, and as one of the best financial institutions for personal credit data management by PBOC.

Company Culture

We are for making a difference


CBEST was founded in 1950, and it was the first listed company of Chongqing. As the leader of retailing sector in southwest China, CBEST has been the Top100 Retailors more than 10 years in a row, coming 227th of China Fortune Top500 in 2018. Its major businesses include department stores, supermarkets, appliances, car trade, and etc. It has also set foot in e-commerce, consumer finance, supply chain finance, quality control, and other emerging sectors. Under CBEST Group are CBEST Department Stores, New Century Department Stores, CGTG Appliances, CGTG Cars, and other names, among which CBEST Department Stores and New Century Department Stores have been listed as China’s famous brands.

Beijing ZKJ Technology Co., Ltd: Founded in 2014, it is headquartered in Beijing and has branches in Shanghai, Chongqing, Shenzhen, Chengdu, etc. It is a leading intelligent technology company in China. ZKJ is a national high-tech enterprise, Beijing Specialized and New "little giant" enterprise and Zhongguancun high-tech enterprise.

ZKJ is committed to helping China's digital construction process with intelligent technology innovation, adheres to independent R&D, forms a number of core competencies in cutting-edge technology fields such as artificial intelligence, big data and cloud computing, applies for 187 patents in total, and obtains 184 software works and CMMI5 international certification. Among which, the cutting-edge technologies of artificial intelligence such as face recognition and voiceprint recognition have won many international awards.

With AI + digital marketing, operation and service as the engine and Dezhu series of intelligent products as the support, ZKJ has provided digital solutions for more than 400 leading enterprises in finance, retail, education, medical treatment, intelligent manufacturing and other industries, and has Pan-industry digital experience.

So far, ZKJ has obtained a total strategic investment of about 3.5 billion yuan from well-known investment institutions such as IDG capital, Everbright Holdings, CICC capital, Fountainvest, China Huarong Rongde, Gefei assets and Japan National Development Bank.

WUMART was founded in October 1994. It is among the biggest and earliest circulation enterprises, as well as the biggest retailor in Beijing-Tianjin-Hebei region. It has been successively awarded as “Top100 China Chain Stores”. Its major businesses include department stores, supermarkets, appliances, furnishing materials, and etc. Its affiliated names include Wumart, Meilianmei, Xinhua Department Stores, Baianju, and other famed brands. Its retailing network span North China, East China, Northwest China, and etc.

Bank of Chongqing Co., Ltd: Founded in 1996, it is the earliest local joint-stock commercial bank established in the West and the upstream of the Yangtze River. It was successfully listed on the Hong Kong Stock Exchange in November 2013. It is the first mainland city commercial bank in China to be successfully listed on the main board of the Hong Kong Stock Exchange.

On February 5, 2021, it successfully listed on the main board of Shanghai Stock Exchange and became the first "A + H" listed commercial bank in the West. it has gradually developed into a commercial bank with excellent business structure, good asset quality, strong profitability and great development potential since its establishment and its status and influence have been continuously improved in the western region and the whole country.

Sunshine Property Insurance Co., Ltd: Founded in 2005, it is a national insurance company mainly engaged in property insurance business and a subsidiary of Sunshine Insurance Group.

Sunshine Property Insurance has refreshed the historical record of domestic annual premium scale of newly established insurance companies for many years since its establishment and achieved sound and rapid development. At present, 36 secondary institutions have been opened for operation, more than 1800 tertiary and Level 4 branches, and the service network has achieved national coverage.

Zhejiang China Commodity City Group was founded in December 1993 as a state owned enterprise. It went public in May 2002 in Shanghai Exchanges. It was the leading trading enterprise in china. Taking the advantages of business environment of Commodity City and favorable market resources, it has made huge investment in e-commerce, big data, supply chain, finance, convention and exhibition, tourism, real estate, hotel, and etc. It has also fostered an enabling eco-system as the major business gets along well with its supporting businesses. Moreover, the national “Belt and Road Initiative” helps a lot with connecting offline with online, export with import, and the domestic and the abroad.

Zhongjin Pucheng Investment Co., Ltd: Founded in 2012, it is a wholly-owned subsidiary of China International Finance Corporation (CICC). Founded in 1995, CICC is the first Sino-foreign joint venture investment bank in China. In 2015, CICC was successfully listed on the main board of the Hong Kong Stock Exchange. In 2020, CICC was successfully listed on the main board of Shanghai Stock Exchange. With profound economic, industry, laws and regulations and other professional knowledge and excellent customer service, CICC has repeatedly won the award of "Asia's best Investment Bank of the year", "China's best Investment Bank", "the best Sales Service Team", "the most Influential Research Institution" and "the best Corporate Social Responsibility" in the selection of domestic and foreign media.

CITIC Construction Investment Co., Ltd: Founded in 2017, it is a wholly-owned subsidiary of CSC Securities Co., Ltd. (hereinafter referred to as "CSC securities") . Established on November 2, 2005, CSC securities is a large national comprehensive securities company approved by the CSRC. With a registered capital of 7.757 billion yuan, the company has 313 branches in 30 provinces, autonomous regions and municipalities, and 5 subsidiaries such as China CITIC Construction Investment Co., Ltd. The main shareholders of CSC include Beijing Financial Holding Group Co., Ltd., Central Huijin Investment Co., Ltd. and China CITIC Group Co., Ltd., which are large enterprises with strong capital strength, mature capital operation experience and high social popularity. On December 9, 2016, CSC securities was listed on the Hong Kong Stock Exchange. On June 20, 2018, CSC securities was listed on the main board of Shanghai Stock Exchange.

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