北京易鑫信息科技有限公司
Beijing Yixin Information Technology Co., Ltd. operates 易鑫金融, an AI-driven auto financing platform aggregating 4,000+ installment products from 220+ financial institutions to serve individual car buyers across 20+ Chinese cities. It is the primary operating entity of HKEX-listed Yixin Group (02858.HK).
- Company typePublic
- Founded2014
- HeadquartersBeijing, China
- Headcount1–10
- GTM typeB2C
- OfferingServices
What 北京易鑫信息科技有限公司 does
Beijing Yixin Information Technology Co., Ltd. (北京易鑫信息科技有限公司) operates the consumer-facing auto financing platform 易鑫金融 (Yixin Finance), functioning as the primary operating entity of Hong Kong-listed Yixin Group (易鑫集团, ticker 02858.HK). Founded in August 2014 and publicly listed in November 2017, the company runs an AI-driven fintech platform that aggregates more than 4,000 installment financing products from over 220 brand financial institutions and connects them with millions of new and used vehicle sources for individual car buyers across 20+ Chinese cities. Core product offerings include the 易鑫金融App mobile application, 新车分期 (new car installment financing), and 车来财 (used car financing).
The platform's technical foundation centers on an AI-powered credit assessment system that delivers online approval decisions within approximately 10 seconds and supports same-day loan disbursement. Distribution combines a self-service digital layer (website at daikuan.com, mobile app, and WeChat public account 易鑫车主服务) with an assisted sales layer via a toll-free hotline (4000-598-598) operating 9:00-18:00. The platform also maintains affiliate referral relationships with major Chinese auto media and listing sites (易车, 淘车车, 太平洋汽车网, 北京车市) for top-of-funnel customer acquisition.
The business model is transaction-fee based: the company earns revenue from facilitating and processing auto financing transactions between consumers and its network of 220+ financial institution partners, rather than taking balance sheet credit risk itself. Pricing is not publicly disclosed and is determined per customer based on individual credit profiles and vehicle selections, with low down payment and low interest rate options advertised. The customer base is structurally diversified, serving individual car buyers (long-tail consumer segment) on the demand side and a broad base of financial institution partners on the supply side. The company is headquartered in Beijing and operates exclusively within mainland China, with no disclosed international footprint.
北京易鑫信息科技有限公司 firmographics
Firmographics- Name
- 北京易鑫信息科技有限公司
- Legal name
- 北京易鑫信息科技有限公司
- Website
- https://daikuan.com
- Company type
- Public
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Beijing Yixin Information Technology Co., Ltd. operates 易鑫金融, an AI-driven auto financing platform aggregating 4,000+ installment products from 220+ financial institutions to serve individual car buyers across 20+ Chinese cities. It is the primary operating entity of HKEX-listed Yixin Group (02858.HK).
- Ownership category
- akta.pro rank
北京易鑫信息科技有限公司 industry classification
Industry- Product category
- Auto Financing
- NAICS
- Sales Financing (52222), Miscellaneous Intermediation (52391)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Marketplace / Multi-Lender POS Financing Aggregators (FSAGAIAJ)
- akta.pro secondary industries
- Vertical-Specific POS Financing (e.g., Healthcare, Auto, Home Improvement) (FSAGAIAK), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)
Keywords
Where 北京易鑫信息科技有限公司 is headquartered
LocationHeadquarters
- HQ city
- Beijing
- HQ country
- China
- HQ region
- Asia
Offices1 record
Markets served
北京易鑫信息科技有限公司 business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Auto Financing Transaction Services: Facilitation and processing of auto financing transactions between consumers and financial institutions. Revenue generated from transaction fees and service charges on completed financing deals.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Customized financing plans based on credit profile and vehicle |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
北京易鑫信息科技有限公司 product offering
Product offeringCore offering
北京易鑫信息科技有限公司 operates the 易鑫金融 (Yixin Finance) platform, an AI-driven fintech intermediary that aggregates 4,000+ auto financing products from 220+ partner financial institutions and matches them with individual consumers seeking to purchase new or used vehicles. The platform enables 10-second online approval and same-day disbursement through its mobile app and website, facilitating installment loan transactions between car buyers and partner banks.
Product overview
易鑫金融 is an AI-driven fintech platform operating as a comprehensive car financing ecosystem. The platform consists of the 易鑫金融App (mobile application), 新车分期 (new car installment financing), and 车来财 (used car financing) as its core product offerings. The platform aggregates 4000+ installment products from 220+ brand financial institutions and offers millions of new and used car sources, enabling consumers to access car loans with features including 10-second online approval and same-day disbursement. The company (易鑫集团, 02858.HK) went public on the Hong Kong Stock Exchange in November 2017.
Differentiator
Problem solved
Functional benefit
Products and services
- 易鑫金融App (Yixin Finance App) Mobile application providing on-the-go access to Yixin's car financing services, including browsing 4,000+ installment products, comparing options, submitting applications, and receiving online approval. Designed for individual consumers looking to finance new or used vehicle purchases.
- 新车分期 (New Car Installment Financing) New car installment financing service offering 4,000+ installment products from 220+ partner financial institutions. Features quick online approval and same-day disbursement for consumers purchasing new vehicles, with low down payment and low interest rate options.
- 车来财 (Used Car Financing) Used car financing service providing financial products for pre-owned vehicle purchases, aggregating financing options from partner financial institutions for consumers buying second-hand vehicles.
Companies that use 北京易鑫信息科技有限公司
Customer profileNamed customers2 records
Segments1 record
Ideal customer profiles2 records
北京易鑫信息科技有限公司 technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
北京易鑫信息科技有限公司 partnerships and signals
Strategic signalScale indicators5 records
Recent moves7 records
Expansion highlights5 records
北京易鑫信息科技有限公司 competitors and assessment
Company assessmentDirect peers
- Uxin (优信): Uxin is a leading Chinese online used-car marketplace that has built financing facilitation into its platform—closely mirroring Yixin's marketplace-plus-financing model with nationwide dealer and consumer reach.
- Souche (大搜车): Souche operates an automotive retail SaaS and financing-enablement platform in China, serving dealers and consumers with embedded loan facilitation—directly comparable to Yixin's lender-aggregation and channel model.
- Dangegche (弹个车): Dangegche, associated with Alibaba's automotive ecosystem, runs a vehicle-financing and subscription platform in China with an online application and approval flow—comparable to Yixin in target customer, product category, and distribution.
- Renrendche (人人车): Renrendche is a Chinese used-car marketplace that connects buyers and sellers and offers financing-adjacent services—comparable to Yixin's used-car ecosystem and consumer-facing marketplace experience.
- Huahua Auto (花生好车): Huahua Auto is a China-based auto retail and financing platform combining new- and used-car sales with installment products, structurally similar to Yixin's 新车分期 and 车来财 offerings.
Emerging players
- Upstart: Upstart operates an AI-driven lending marketplace that matches borrowers with multiple lenders, paralleling Yixin's AI credit engine and 220+ lender marketplace model across consumer credit categories.
- AutoFi: AutoFi is a U.S. auto-financing platform that connects dealers with multiple lenders through an online credit application—directly analogous to Yixin's marketplace-aggregation model in a different geography.
Broad incumbents
- Ping An Bank Auto Finance: As one of China's largest bank-affiliated auto finance operations, Ping An Bank Auto Finance competes with Yixin's lender-aggregation model by offering direct auto loan products at scale through established deposit-funded balance sheets.
- Volkswagen Finance China (大众汽车金融): Volkswagen Finance China operates the auto finance captive for VW-brand vehicles in China, competing with Yixin for dealership-originated loan flow from a major OEM franchise base.
- SAIC-GMAC (上汽通用金融): SAIC-GMAC is a Chinese OEM-captive auto finance company serving one of the largest dealer networks in China—a vertically integrated alternative to third-party aggregators like Yixin for financing attached to new vehicle sales.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
北京易鑫信息科技有限公司 social profiles
Digital presence北京易鑫信息科技有限公司 financial estimates
Financial estimateRevenue estimate
Valuation estimate
北京易鑫信息科技有限公司 leadership team
Management profileNumber of profiles
北京易鑫信息科技有限公司 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
北京易鑫信息科技有限公司 M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 北京易鑫信息科技有限公司
What does 北京易鑫信息科技有限公司 do?
北京易鑫信息科技有限公司 operates the 易鑫金融 (Yixin Finance) platform, an AI-driven fintech intermediary that aggregates 4,000+ auto financing products from 220+ partner financial institutions and matches them with individual consumers seeking to purchase new or used vehicles. The platform enables 10-second online approval and same-day disbursement through its mobile app and website, facilitating installment loan transactions between car buyers and partner banks.
Is 北京易鑫信息科技有限公司 a public or private company?
北京易鑫信息科技有限公司 is a public company. It is classified as public and is currently operating.
When was 北京易鑫信息科技有限公司 founded?
北京易鑫信息科技有限公司 was founded in 2014. It employs 1 to 10 people.
Where is 北京易鑫信息科技有限公司 based?
北京易鑫信息科技有限公司 is headquartered in Beijing, China, in the Asia region.
How does 北京易鑫信息科技有限公司 make money?
One revenue line is on record: auto Financing Transaction Services.
Who are 北京易鑫信息科技有限公司's main competitors?
Direct peers on record are Uxin (优信), Souche (大搜车), Dangegche (弹个车), Renrendche (人人车) and Huahua Auto (花生好车). Emerging players are Upstart and AutoFi. Broad incumbents are Ping An Bank Auto Finance, Volkswagen Finance China (大众汽车金融) and SAIC-GMAC (上汽通用金融).
Does 北京易鑫信息科技有限公司 have an API?
No public API is recorded for 北京易鑫信息科技有限公司.
What industry is 北京易鑫信息科技有限公司 in?
北京易鑫信息科技有限公司's product category is Auto Financing. Its primary akta.pro industry code is FSAGAIAJ, Marketplace / Multi-Lender POS Financing Aggregators, with a secondary code of FSAGAIAK, Vertical-Specific POS Financing (e.g., Healthcare, Auto, Home Improvement). Its NAICS code is 52222 and its SIC code is 6163.