51 A complete collection of details of credit card manager

51 Credit card manager is an intelligent full bill management APP, which integrates various bill management functions such as credit card, flower shop, white note, car loan and mortgage. It realizes the intelligent application of cardholder's card information management and personal finance by intelligently analyzing credit card electronic bills. It includes the function of one-click mailbox binding, so that users can use the credit card account management service without entering any information, check the bill balance, consumption details, interest-free day calculation, various consumption reports, etc., and get the repayment reminder in time, which is simple and quick to operate. At the same time, 51 credit card housekeeper has also added diversified bill management and repayment services such as flowers, white slips, car loans and mortgages, so that users can realize intelligent personal financial management more efficiently.

Basic introduction

Software name: 51 Credit Card Manager Developer: Hangzhou Enniu Network Technology Co., Ltd. Software platform: Android,iOS software version: 9.2.2 Update time: March 19, 217 Software language: Simplified Chinese software size: 46.7MB Software category: financial software introduction, main functions, company profile, version iteration, award-winning information, founder introduction. This product is the first in the mobile terminal to realize the intelligent application of cardholder's card information management and personal finance through intelligent analysis of credit card electronic bills, including the function of one-click binding mailbox. Users don't need to enter any information, just click on the authorization email bill to automatically import, and users can use credit card accounting management services, including consulting bill arrears, consumption details, interest-free day calculation, various consumption reports, etc., to get repayment reminders in time, and provide one-click repayment operation, so that users can easily manage credit cards. At the same time, 51 Credit Card Manager has also increased credit and wealth management services to provide users with one-stop financial services. Credit card housekeeper has also added diversified bill management and repayment services such as flowers, white bars, car loans and mortgages. Main Function 51 Credit Card Manager is an APP product that provides full bill management services including credit cards, and its rich application function provides a good experience for users. As long as the user can bind the bill mailbox with one click, he can enjoy the services of managing bills, calculating interest-free period, finding discounts, reminding repayment date, online quick repayment, online card handling and so on. Manage credit cards with one click, and use 51 credit card housekeeper! (1) bill management: the first one-click mailbox to automatically analyze electronic bills; (2) online repayment: the first Alipay fast repayment channel, and easy repayment is never overdue; (3)51 card handling: the first one to support online application services for credit cards of many banks; (4) financial management: providing financial products such as "51 personal treasures" and "51 personal treasures on a regular basis". Meet the diversified financial needs of different users (5) Lending: 51 Personal loans create a multi-dimensional data cross-judgment risk control mode (6) Credit card offers: side offers, credit card discounts, banking activities, and the net is exhausted (7) Chart analysis: accurate chart trends, data analysis, no matter Hold many cards there are (8) Push service: reminder of bill due, recommend the credit card with the longest interest-free period. Mom no longer has to worry about my overdue repayment. (9) Value-added services: providing one-stop financial peripheral services such as credit inquiry and provident fund inquiry. (1) Star-rated security guarantee: 51 Bill management is safe and reliable, and deep cooperation with major banks and Alipay. It is the first company in the industry to pass the CFCA security inspection of China Financial Certification Center and adopt the top standards in the industry to protect customers' personal information. (11) Support: Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, China Merchants Bank, Bank of Communications, China Guangfa Bank, China CITIC Bank, Industrial Bank, Shanghai Pudong Development Bank, Minsheng Bank, China Everbright Bank, Huaxia Bank, Postal Savings Bank, Shenzhen Development Bank Ping An Bank, Bank of Ningbo, etc. Hangzhou Enniu Network Technology Co., Ltd., referred to as 51 Credit Card, is a leading comprehensive financial service company in China. Founded in May 212, the company covers three major sectors: debt management, credit and wealth management. Through China's leading mobile internet financial platform-51 Credit Card Manager, it is the first in the world to intelligently analyze credit card electronic bills on the mobile side, so as to realize cardholder's card information management and intelligent application of personal finance. The products are based on simple, safe and efficient application. The company has realized business innovation on the basis of 51 credit card manager, and has launched a series of app products such as "51 Personality" and "51 Personality Loan" one after another, which perfectly supports the two mainstream smart phone systems of iOS and Android. At the same time, the company innovated internet financial services such as "51 personal treasures and 51 personal loans" on the product platform of 51 credit card housekeeper. As of September 216, the cumulative download volume of 51 Credit Card Manager APP has exceeded 8 million, the number of monthly active users has reached 35 million, and the balance of credit card accounts receivable under management has exceeded 15 billion yuan. The depth of customer use and activity rank first in the industry, and the products are widely regarded by the industry as the safest products in the credit card management APP category. As a leading innovative internet finance company in China, Enniu Network always takes information security as its primary task. In October 213, the company passed the security inspection of China Financial Certification Center (CFCA), and in July 214, it reached a server hosting agreement with China Financial Certification Center to serve users with bank-level information security. Version iteration products support iOS and Android；; On June 51, 212, the bill went online; August 212: APP was renamed as 51 Credit Card Manager; December 212: Add a mailbox to import bills and easily manage credit cards; June 213: organize credit card offers and see them anytime, anywhere; July 213: launch 51 credit card function August 213: support rich and Alipay repayment, and add 51 loan function; December 213: The function of annual statement was added; January 215: Lending service was launched; May 215: The "51 Personal Treasure" financial management function was launched; On April 22nd, 215, 51 Credit Card Manager, together with China CITIC Bank Hangzhou Branch and Ping An Dahua Fund, launched a new version of the online fast loan platform "Hourly Loan", focusing on pure online lending for one hour, which is expected to go online in May. Award-winning information In November 213, 51 Credit Card Manager won the "Top Ten Creative Products of Business Life in China" award in the first top ten financial innovation cases in China. "Top 1 Innovative Growth Enterprises in China", "Top 5 Leading Financial Technologies in China" and "Top 5 Hurun New Finance" Annual Pioneer Financial Services Organization China Best Business Model Award in the 21st Century Founder of Top 5 Most Investing Enterprises in China introduced Sun Haitao: Founder and CEO of 51 Credit Card Manager. Young entrepreneurial leaders. He has been rooted in the Internet for more than ten years, and has successively established the three-dimensional map website "E City", the first three-dimensional map housing search platform "Fangtu.com", the credit card rent payment service "Renfangbao" and the domestic credit card ecological leading enterprise "51 Credit Card", and won the title of "Entrepreneur of the Year in 216". Sun Haitao talks about entrepreneurial innovation: The greatest charm of Internet entrepreneurship lies in falling in love with your products and dreams, and constantly having new ideas. The development of the world is imagined by people, especially for young people with IT dreams, imagination means opportunities and careers. To be an industry, we must have strong patience and persistent spirit. Don't expect a new road to change the situation immediately. In fact, there are countless ways to overcome the current difficulties on the old road. In my opinion, the product manager of a startup company, especially an Internet company, must and can only be the CEO. If someone dares to make a decision and take risks, my creed is to start a NB company and be a NB person. Software screenshot: screenshot of 51 credit card housekeeper software:

The market value of 51 credit card was halved every other day after its skyrocketing: CEO's coaching change will face two major challenges

Financial Tiger News reported on February 24 that, following yesterday's skyrocketing of more than 237%, today, the share price of 51 credit card fell by 54% on the Hong Kong Stock Exchange, and its market value dropped from HK$ 4 billion closed yesterday to HK$ 1.9 billion, and was again halved. Behind the sharp rise and fall, a major personnel change recently announced by 51 Credit Card, which was once questioned by violent collection, difficult to clear P2P and sluggish growth, became the main motivation for its share price "roller coaster". Previously, the share price of 51 Credit Card was below HK$ 1 for a long time. On the evening of February 19th, Sun Haitao, founder and CEO of 51 Credit Card Announcement, officially resigned as the chief executive officer, retaining the positions of chairman and executive director of the board of directors; Zheng Haiguo served as executive director and chief executive officer, and Yu Jin was appointed as a non-executive director.

Zheng Haiguo took over as CEO for three years: the banking department has a deep background

Sun Haitao (data map)

51 The board of directors of Credit Card believes that the above arrangement will enable the company to introduce more professionals, fine division of labor and management, and lay a more solid foundation for long-term business development. At the same time, by distinguishing the roles of the chairman of the board of directors and the chief executive officer, the company not only meets the requirements of the corporate governance code set out in Appendix 14 of the Listing Rules, but also effectively improves the corporate governance level of the company. Sun Haitao has confirmed to the Board of Directors that he has no disagreement with the Board of Directors. The board of directors thanked him for his contribution to the company during his tenure as CEO, and welcomed Zheng Haiguo and Yu Jin to their new posts.

According to reports, 48-year-old Zheng Haiguo has been engaged in banking information technology and internet finance business for a long time, and has a long experience as a bank president. He has a deep understanding and rich practical experience in the integration of information technology such as finance and the Internet. At the same time, he is the vice president of Zhongcai Netcom Holdings Limited (GEM listed on the Stock Exchange: 871), a subsidiary of 51 Credit Card.

According to his resume, from August 1994 to January 221, Zheng Haiguo held several positions in China Agricultural Bank Co., Ltd. Since August 1994, he has served as deputy section chief, section chief, deputy general manager, deputy general manager of software department of Science and Technology Information Department, electronic banking department and information technology management department of Agricultural Bank of China Zhejiang Branch. Since March 211, he has served as Party Secretary and President of Hangzhou Bao _ Sub-branch of Agricultural Bank of China; And from June 215 to January 221, he served as deputy general manager, general manager and general manager of e-banking department of Zhejiang Branch of Agricultural Bank of China.

Zheng Haiguo (data map)

Zheng Haiguo obtained a bachelor's degree in applied electronic technology from Zhejiang University of Technology in China in July 1994, and completed the postgraduate course in economics from Zhejiang University in China in July 21. He also holds the qualification of senior economist.

It is disclosed that Zheng Haiguo has entered into a three-year service agreement with 51 Credit Card, which can be terminated by either party giving a written notice of not less than one month in advance. According to the service agreement, he is entitled to an annual director's fee of RMB 1.1 million as the executive director and chief executive officer.

6-year-old Yu Jin held several positions from April 2 to September 218, including Deputy General Manager of Personnel Department of Agricultural Bank of China, General Manager of Electronic Banking Department, Director of Science and Technology and Products Administration Bureau and Chairman of Agricultural Bank of China Huili Fund Management Co., Ltd. Yu Jin has been a director of Beijing Runbo Internet Digital Technology Co., Ltd. since March 219. He obtained a bachelor's degree in engineering from Renmin University of China in July 1983 and a master's degree in finance from Nanjing Agricultural University in China in July 1999. He also holds the qualification of senior economist.

At present, there are 8 members of the Board of Directors of 51 Credit Card, among whom Chairman Sun Haitao, new CEO Zheng Haiguo and CFO Zhao Ke are executive directors, Zou Yunli and Yu Jin are non-executive directors, and Wang Di, Xiang Ye and Xu Xuchu are independent non-executive directors.

After the skyrocketing, the market value was cut in half: it was investigated for profiteering

According to the financial tiger, due to yesterday's skyrocketing, the share price of 51 Credit Card on the Hong Kong Stock Exchange has increased by nearly 198% this year. In 218, 219 and 22, the share price of 51 credit cards dropped by 28.88%, 66.2% and 67.81% respectively. Looking back at the beginning, on July 13, 218, 51 credit cards were listed on the main board of Hong Kong. On the first day of listing, it rose by 3.65% compared with the issue price of HK$ 8.5, and its market value reached HK$ 1.458 billion. At that time, Sun Haitao lamented in his speech: "The stock code we got was 251. I hope I can work hard for this company until 251, when I was 71 years old." .

Times have changed, from the market value of 1 billion to less than 2% at the beginning of listing. After more than two years, Sun Haitao, the founder, finally stepped down as CEO. It is also worth mentioning that at the end of July last year, Yang Yuzhi, co-founder of 51 Credit Card, also resigned as executive director and all other positions held by the company. During this period, the sluggish growth of 51 credit cards is also closely related to the vigorous rectification of its P2P and consumer credit industries.

According to the information, 51 Credit Card was established in August 212, which is the first and largest online credit card management platform in China and belongs to Hangzhou Enniu Network Technology Co., Ltd. Started from the forum of credit card users, it focuses on the credit card bill management software "51 Credit Card Manager", which greatly meets the needs of users, especially multi-card users, to manage their own liabilities. Since then, products such as "51 Personality", "51 Personality Loan" and "Give You Flowers" have been launched, covering personal credit management services, credit card technology services, online credit matching and investment services. Up to now, 51 Credit Card has provided users with one-stop personal financial services covering personal credit management services, credit card technology services, online loan matching and investment services. It has a variety of apps such as "51 Credit Card Manager" and activated more than 1 million users.

However, in October 219, 51 Credit Card was pushed to the forefront due to the investigation, and it was also questioned. According to the report of Hangzhou police at that time, on October 21 of the same year, an investigation was carried out on the criminal acts of entrusting an outsourcing collection company by 51 Credit Card Co., Ltd. for allegedly causing troubles. After preliminary investigation, it was found that "51 Credit Card" entrusted an outsourcing collection company to pretend to be a state organ, and used soft and violent means such as intimidation and harassment to collect debts, which was suspected of causing trouble and other crimes.

At that time, Sun Haitao, the founder of 51 Credit Card, made a speech on the personal Weibo about the investigation of 51 Credit Card, apologizing for the company's cooperation in the investigation, the imperfect management and the concerns of employees and their families. He also said that due to imperfect management, especially insufficient training and supervision of cooperative companies, some excessive behaviors occurred in the process of contacting and communicating with borrowers, which caused harm to individual borrowers. I am very sorry for this. We will strictly follow the operating rules of listed companies, further implement various risk control measures, put an end to all irregular third-party cooperation, and ensure benign communication and cooperation with various partners. At the same time, give priority to ensuring that all lenders are paid as scheduled according to the contract.

on August 31st last year, in response to the 121 incident, 51 Credit Card pointed out in the semi-annual report that the management was not aware of any illegal acts related to debt collection intentionally or intentionally implemented or instructed by the Group, so the management thought that the Group was unlikely to be punished for this specific crime. However, on the date of the announcement, it is uncertain whether the investigation related to the 121 incident has been completed; Group or any member