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Core Competence

Served 19 major Chinese banks to market their credit cards, personal loans, and mortgage products
Leading market share in the third party credit card and mortgage services space (acquired over 1 million credit card and 10,000 mortgage customers for partner banks for the past two years)
Proven risk management practice, the credit card customers we acquired have 70% approval rate, and higher activation rate and lower delinquency rate than the industry average
No. 1 consumer credit portal in China (51credit.com has over 2 million registered members)
First to raise institutional funding from world class VCs

Year 2003

Launched Beijing Decision Engine Risk Management Technologies, Inc. , the first company under Sino Credit
Developed credit scoring models for China Everbright Bank Card Centre
Became exclusive agent for Trans Union Advantage in HK & Mainland, China

Year 2004

Signed agreement with China CITIC Bank to promote their credit cards
Developed the credit scoring models of Mortgage & Car Loan for China Merchants Bank
Anjia Mortgage was set up in Beijing and provided services for China Everbright Bank & Agricultural Bank of China

Year 2005

Provided project management services to launch Hong Kong’s 2nd generation credit bureau scores
Signed agreements with China Industrial Bank & Guangdong Development Bank to promote their credit cards
Launched China’s first credit card portal – 51credit.com. The event was reported by CCTV-1.
Voted “Top 53 Best Companies Founded by Overseas Returnees” in Beijing
Anjia Mortgage became the first brokerage house in secondary mortgage to work with ICBC in Beijing

Year 2006

Received first round VC funding from SIG Ventures
51credit.com signed exclusive agreement to market CIB Garfield Credit Card online
Mr. Darwin Tu is voted China’s “Top 10 Entrepreneurs of the Year from Western Countries”
Anjia Shihang was awarded the only “Good Quality Mortgage Services Partner” prize by ICBC, and “The Best Financial Services Company” award of the first Golden Bridge Prize by Sohu.com

Year 2007

Signed agreement with Shenzhen Development Bank, CMB and BOC to promote their card business
Received second round VC funding led by Softbank China & India Holdings
Merged with Anjia Mortgage to provide brokerage services for leading banks like ICBC and BOC

Year 2008

Signed with Bank of Communications and China Minsheng Bank to promote their credit cards
Launched mail order services, serving BOC, CIB and Shenzhen Pingan Bank
Anjia Mortgage began to operate in Shanghai

Media Name	Report Time	Report Topic
CCTV-News Channel	2005-12-01	51credit.com-first credit card portal launched
SOHU Business Channel Interview	2006-10-20	Mr. Darwin Tu talks about credit card industry in China
China Credit Cards	2006-11-20	Apply for Credit Card? Please Click Your Mouse!
Financial times	2007-03-29	China’s First Credit Card Ranking by 51credit.com
Modern Bankers	2007-05-11	Internet：The Angel’s Wing for Credit Cards
CCTV-2	2007-05-29	"China First Credit Card Ranking" Result Publication
China Daily	2007-07-25	Sino Credit Gains $10m in Funding
ReferenceNews	2007-07-30	Credit Card Industry Expects Strong Growth
Analysys	2007-08-10	51credit Speed Up Integration
Business Watch	2007-11-05	51credit:Supermarket for Credit Card
Economic Observer	2007-12-17	Sino Credit/Anjia Mortgage Merges
China Business	2008-01-07	A Great Fund Raising Road Show
21Century Economic Report	2008-01-21	Sino Credit Corp:Consumer Credit Supermarket
CEOCIO China	2008-03-05	Sino Credit:Retail Bank's Outsourcing Agent
CCTV Finance Channel	2009-09-14	<Personal Finance Online> How to Win With Credit Card
CCTV Finance Channel	2009-10-13	<Finance News Live> How to Avoid Fees When Using Credit Card


Corporate Third Anniversary Celebration, Sept.2006 Beijing	Credit Card Div. Sales Meeting, March 2007 Shanghai	Softbank Funding Press Conference, July 2007 Beijing


我爱卡(www.51credit.com) fourth Anniversary Celebration Nov.2009 Beijing	2006.3.28 China CITIC Bank Credit Card Center CEO Mr. Chen Jin visits	2006.12.13 CIB Credit Card Center GM Mr. Boniface Ip visits


2007.5.18 MasterCard WorldwideEVP Mr. Willie Fung visits	2007.6.13 China EverBright Bank Credit Card Center GM Ms. Dai Bing visits



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