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- Company Name: Du Xiaoman Financial - Industry: Fintech and Digital Credit Services - Brief History: Du Xiaoman was formerly Baidu Finance, which became an independent operation in April 2018 after being spun off from Baidu Group and completed a brand upgrade. Leveraging Baidu's deep accumulation in artificial intelligence, big data, and search ecology, Du Xiaoman quickly built financial technology capabilities centered on intelligent risk control and precise customer acquisition. The company is headquartered in Beijing and currently serves tens of millions of small and micro business owners and individual users nationwide, making it one of China's leading independent fintech platforms. - Products or Services: Primarily offers personal consumption credit (such as "You Qian Hua"), small and micro business loans, wealth management technology services, intelligent risk control solutions, payment and account management, etc. It evaluates user credit through AI algorithms, achieving instant approval, flexible limits, and dynamic pricing. At the same time, it provides B-end technology capabilities such as intelligent customer acquisition, anti-fraud, and post-loan management to financial institutions. - Key Achievements: Cumulative loan amount exceeds one trillion RMB, serving over 50 million users; small and micro business loan clients account for over 70%, supporting the real economy; independently developed the "Rock" intelligent risk control system, with bad debt rates consistently lower than the industry average; completed over $2 billion in Pre-IPO financing in 2021, with a valuation exceeding $10 billion; established partnerships with over 500 financial institutions, including Industrial and Commercial Bank of China and China Merchants Bank, gaining industry recognition for technology output capabilities.