Although Niu Benben is very confident about his Wall Street-level risk control strength, he will still prepare a 5% full risk reserve at China Merchants Bank to meet the redemption that needs to be completed in extreme cases.

Niu Benben's information disclosure on user protection is relatively complete, but users should still be reminded.

Risk warning: Niu Benben did not explain which is the principal and interest guarantee and which is the principal guarantee. In operation, it is difficult to define clearly because it is a debt package segmentation model.

Dr. Zhu Shengqing, CEO and founder. He holds a doctorate in finance from London School of Economics and Political Science, a master's degree in financial economics from Oxford University, a master's degree in statistics from Yale University and a bachelor's degree in electronic engineering from Nanjing University.

Before he founded Niu Benben, he was a senior investment manager of Zebra Capital, a hedge fund. As a serial entrepreneur, he started to establish companies such as newpower Vocational Services, Chi-square Data, and Lechuang Interactive Technology from his college days to his doctoral years.