“Peer-to-peer lending platform that connects borrowers with lenders through a robust credit risk management system that understands different customer demographics within China. 

For our lenders:

• High fixed-income returns (12-15% p.a.) for lenders through investing as little as 100 RMB
• High liquidity through loan transfers on a homogenous platform
• Platform and borrower transparency through our convenient web platform 

For our borrowers:

• Fair-priced products based on borrower demographics risk profile
• Build credit over the long term, garnering lower-priced loans
• Convenient online platform for application and payment

Moreover, with our robust credit management system and customized loan product design, Pandai.cn also is a platform for trying and testing alternative credit models.”