Your Guide to HuaXia Finance

HuaXia Finance Equity Investment Management Co., Ltd.
In Credit We Trust, Wealth for Life 1
Your Guide
To
HuaXia Finance
HOW YOU CAN PROFIT FROM P2P

Contents
A Solid Start...................................................................................................................3
Principles and Priorities.................................................................................................4
Our Foundation..........................................................................................................5-6
The Essentials................................................................................................................7
The Cornerstones...........................................................................................................8
Comprehending P2P. . . .................................................................................................9-13
RiskManagement. . ...................................................................................................14-15
Risk Provision...............................................................................................................16
Peer Growth. . . . . . . . ..................................................................................................................17
The Bubble. . . . . .. .. . . .............................................................................................................18-19
Products. . . . . . . ........................................................................................................................20
Product Timelines...................................................................................................21-22
Contact Information. . . . ....................................................................................................23
HuaXia Finance was founded in June of 2015 and currently has over 3,000
employees, registered capital of 100 million RMB, and offices in 37 cities across
China.

A Solid Start
Founded in June of 2015, HuaXia Finance currently has over 3,000 employees, a
registered capital of 100 million RMB, and offices in 37 cities across China. We are
proud to call ourselves one of the leading Peer-to-Peer Lending Platforms in China
and we have accomplished this through the four cornerstones of our business: trust,
transparency, integrity, and risk management. Our Chairman and CEO, Benny Li, with
extensive experience in Internet Financial Service Platforms (IFSPs) from working
with CreditEase, the HengCheng Group, Citi Bank, Deutsche Bank, and numerous
other financial organizations across China, established this organization to be the
safest and most secure P2P Company on the market. Additionally, we are the only
Chinese P2P Company backed by US Private Equity; Cathay Capital.
The key to our success is in minimizing risk while maximizing profits for both
ourselves and our customers. Our Risk Management Division is the foundation for
how our business was built and will continue to function for years into the future. We
easily differentiate ourselves from the competition by not only following the current
rules and regulations, but by anticipating what the next regulations are going to be
and adjusting to them prematurely so as not to disrupt the natural flow we have
established.
The fundamental differences between us at HuaXia Finance and 99% of the
other P2P Companies on the market are simple and straightforward. Firstly; we do
not handle customer money directly. All Lender capital goes straight to a payment
company regulated by the PBoC (Peoples Bank of China) which our Asset Division
then instructs as to its direction into which designated Borrower accounts. Secondly,
we do not pool money and act as an online bank, an illegal practice largely used by a
majority of the current P2P companies. We at HuaXia Finance value each and every
customer as a priority and we invite you to join the team.
Whether you’re a seasoned investor looking to diversify your portfolio and take
advantage of a fantastic opportunity, or an individual just starting out and trying to
get your feet on the ground, we have a package that is ideal for your situation and
your life goals. If you want to start saving up for your child’s college education in a
decade, or want to take a free vacation next year, we have a program specifically
designed with you in mind. If you need maximum liquidity in-between other
investments, or maximum financial growth in order to purchase a house in a few
years, we understand you and one of our Expat Financial Advisors will personally
work with you to plan your financial future.
Welcome to HuaXia Finance
In Credit We Trust, Wealth for Life

Our Principles and Priorities
Our three Management Principles and our six Priorities directly guide our business in
every decision we make, every single day. Our company has become the leading and
most trusted P2P Internet Financial Service Platform (IFSP) in China and the expat
community as a whole because of the solid foundation established by the following
principles and priorities:
Our industry expands directly through the implementation of these principles and
priorities which allow us to be the most valued Internet Financial Service Platform in
China.

Our Foundation
Before reading about how P2P works in general and specifically how HuaXia Finance
differentiates itself from every other Internet Financial Service Platform, it is
important to know the history of our company, our mission, and our background.
Benny Li, Chairman and CEO
Our founder, Chairman, and CEO; Benny Li, has extensive experience in both the
international community and Chinese marketplace through his 22 years of
investment banking, commercial banking, and consumer finance experience with
institutions such as CreditEase, the HengChang Group, Citi Bank, Deutsche Bank, and
Indo-Sues amongst others. In 2011, he was the general manager of YiXin CreditEase.
From the CreditEase Channel Department, he was the general manager of risk and
the VP of the HengChang Group. He is Chinese American and achieved his Double
Master’s Degree in Finance and Business from Berkeley in 1992.

Words from Our CEO
“On behalf of HuaXia Finance, I would like to thank all those who have shown an
interest in our company.
Over the last 30 years, the world have seen the great accomplishments of the open
policy of the China Reformation. The development of the economy has been the
most progressive and outstanding of these accomplishments. Enduring through the
Global Economic Recession of 2008 has only strengthened the Chinese Nation.
But, compared to the needs of the entire economy, the revolution of the Chinese
Economic System is still behind the needs of the developing world and the needs of
the people. The latest meeting of the Central Committee of the Communist Party of
China has given clear instructions for future economic development.
Based on this, as a financial service enterprise with a high social ability and
professional skills, HuaXia Finance is willing to find a way during this financial
revolution of China. The main idea of our company is to stimulate consumption and
help the small businessman/woman by creating more growth and career
opportunities. In doing this, we can directly contribute to society.
In the era of Internet metadata, we perfectly combined cutting-edge technology with
traditional finance through self-improving the mergers and acquisitions strategy. We
created a high technology content Internet Financial Service Platform with an
uncompromising work ethic using a very scientific management system. Above all,
we provide clients with a diverse international capital trade platform.
We lead with professional creation and continuously incorporate new ideas. We are
willing to welcome everyone with the same goal to join us and perfect this business
together.”

The Essentials of HuaXia Finance
International Focus:
From our founder to our managers, we pride ourselves with an understanding of the
needs of the international expat community and the Chinese marketplace. Our
Internet Financial Service Platform was specifically designed to accommodate expats.
More and more foreigners come to China to work, live, and travel and it is getting
harder by the day for them to succeed. We know that people have concerns and
requirements and it is our job at HuaXia Finance to make life a little easier.
Our Mission:
We are committed to constructing the most efficient platform for minimizing your
risks and maximizing your profits. We believe in honesty, transparency, integrity, and
a mutually beneficial environment where everyone profits together. We are at the
leading edge of the blossoming P2P Internet Finance Industry and together we can
achieve stable financial growth and capital accumulation.
Our Model:
We are industry leaders in the P2P Internet investment field and we achieved this by
treating each customer individually, by giving you the time and consideration
necessary to make the absolute best decision about your financial future. Our model
was designed from the ground-up with the belief that trust, transparency, integrity,
and risk management are the cornerstones to the foundation necessary for financial
security.
Striving for Lender Safety:
Most, if not all, P2P companies will promise you, the client, safety by expressing how
advanced their screening process is. We can proudly say that our screening process is
one of the most encompassing in our industry. Not only do we investigate a potential
Borrower’s occupation, education, background, goals, and family history, but we also
have a face-to-face meeting with them; a thorough interview with every single
person whom we may trust with our business and yours. Lender investment safety is
absolutely the most important aspect in the P2P world. Our cornerstones of trust,
transparency, integrity, and risk management ensure that you are always our top
priority.

The Cornerstones of HuaXia Finance
1. Trust:
Trust is the most important aspect in any partnership. It is only through trust
that a partnership can flourish. Trust is the initial way that any two parties meet, and
before another step can be taken, trust must be a mutually shared attribute. We
want to have a shared trust, and only through an open, transparent structure can our
relationship begin.
2. Transparency:
Transparency is directly correlated, and necessary, for trust to initially exist.
Transparency is fundamentally important and we proudly say that we work at the
most transparent P2P Internet Financial Service Platform in the Chinese marketplace.
We are very open about our trade volume, daily transaction amount, number of
employees, cash flow records, default rate, auction time, etc. You are more than
welcome to visit our headquarters in Shanghai and once a month we hold tours of
our Risk Management Division so you can be assured that your money is only lent
out to Borrowers who pass a rigorous inspection.
3. Integrity:
We adhere strictly to the spirt of the law set forth by the Third Plenary of the
18th Term of the Central Committee of the Communist Party of China. Integrity
means that you always have a right to information, and your needs are put before
our own so that we will always ensure you are taken care of and achieve the
maximum benefit. Our integrity is financially back by our Risk Provision.
4. Risk Management:
The Risk Management Division is the backbone of our company which instills a
systemthat will allow HuaXia Finance to continue growing for years to come. Our
Risk Management Division has an encompassing, 3-step procedure before lending
out money, and a firm debt-collection program which ensures maximum payback
rates.

Comprehending P2P
If you have not heard about P2P or do not know how it functions, this section will
describe the evolution of P2P, illegal models, and the only legally accepted model;
our model. Should you have any further questions about the structure of our
company, do not hesitate to ask.
We know that the P2P marketplace can be difficult to understand at times and
everyday there are more and more stories of cardboard companies absconding with
client capital.
Please note the differences and legal problems associated with some IFSP
models.
1. Basic Offline P2P:
P2P, or peer-to-peer, is the lending of money from one individual to another and
then getting a return (in the form of interest) when the loan is repaid. Imagine that a
good friend whom you have known for some time comes to you and wants to buy a
car. He or she is married; with a working spouse, a stable job, a big house, and no
exorbitant debts (He or she shows you their credit history). The only reason they
want to buy this car is because their last car broke and they would need to take a
loan out from the bank at 25% to afford a new car at this time. You, being a good
friend with an eye for an investment, say that you’ll lend them the $10,000 they
need for 6 months if they will give you 10% interest on top of that (20% a year).
With this simple example, you can see how profitable a loan to a friend would be.
This illustrates the concept of a very safe investment which you have a strong belief
would yield a return upon maturity. This, in our hypothetical Lender’s mind, was
considered a very safe investment.
You Your Friend
You Your Friend
January 1
st
July 1
st
10,000 RMB
11,000 RMB

What you may not have noticed is that “you” used all four cornerstones of
HuaXia Finance to determine this was a safe investment.
1. Trust: A good friend you have known for awhile
2. Transparency: You know their job, spouse’s job, and credit history
3. Integrity: They are honest about the reason they’re borrowing money
4. Risk Management: A combination of knowing their job, their spouse’s job,
and their address to alert the authorities in case they decide not to pay you
back.
The concept of peer-to-peer lending is remarkably simple. The complexities arise
when credit checks, occupational verification, and mispayment/default come into
play. Offline P2P between friends would be remarkable and imagine how fast you
could double your wealth if you could lend out money to all your close friends and
get back a 20% return on investment compounded yearly (less than 4 years). This is
not the case for most of us so online P2P lending comes into play.
2. Basic Online P2P:
You, our hypothetical Lender, have now run out of friends to lend money to but
you’ve heard of online P2P sites which connect Lenders and Borrowers through an
online platform. The absolutely most basic online P2P model would have this
configuration:
Let’s assume that you are lending 100,000 RMB of your money out at a 20% a
year interest rate, compounded yearly. That would mean that in 1 year, you would
receive 120,000 RMB which would be phenomenal and enough to pay for a small
vacation for you and your family. The main problem with this is that all your money is
lent out to a single person whom you’ve never personally met. If this person defaults
on their payment, is late on a payment, or goes into bankruptcy, you will receive less
than the declared interest rate or effectively lose all your money. We will cover the
problems with the company structure itself later.
1
Lender
P2P
Company
1
Borrower

3. Diverse Online P2P:
The next evolution of the P2P platform involves diversifying the client’s money
by taking the loan and spreading it out between a number of Borrowers to make the
process slightly more secure (assume 1 Lender per 10 Borrowers). In this way, each
Borrower gets 10,000 RMB and still pays a 20% interest rate back to you.
As you can tell, this method diversifies the invested capital while still giving the
client a 20% return after a year on the 100,000 RMB investment as each of the 10
Borrowers are being loaned 10,000 RMB and repaying 12,000 RMB (10 Borrowers x
12,000 RMB = 120,000 RMB).
Suppose there was a problem and one Borrower completely defaulted without
being able to pay back any of the interest or principle. This would still mean that the
client would receive 108,000 RMB (9 x 12,000 RMB) or an 8% return on the
investment, still a fantastic yearly return for a seemingly safe financial product.
The Big Problems:
These exact prior models and the extrapolation of them have, and still are,
constructed by P2P companies everywhere across China and abroad. It is illegal,
amoral, and fraudulent in design, eventually leading to a situation in which the
companies vanish with client capital. What the P2P platforms above are doing is
holding customer wealth themselves, if even for just a nanosecond, leading to a high
risk of the company simply going offline and shutting its doors one day to abscond
with their clients’ money. In our above example, 100,000 RMB is not really enough to
embezzle, but imagine that there are thousands of Lenders and tens of thousands of
Borrowers.
The numbers quickly add up to one company having hundreds of millions of RMB
flow through an “executive account” every second of the day. 100% of these
companies will either turn into a Ponzi Scheme and collapse or simply disappear.
These are the most prevalent P2P IFSP structures on the market today.
1
Lender
P2P
Company
10
Borrowers

Moreover, these P2P Companies with direct influence over the customers’
money are acting as a bank, by pooling capital together, lending it out in batches, and
paying back investors as they need to. In the above examples, companies with
thousands of Lenders and tens of thousands of Borrowers will simply put the
customers into two groups: Assets and Liabilities, and they are paid and repaid from
a capital collection pool, constantly flowing into and out of a private bank account.
4. The Only Legally Accepted P2P Model; Our Model
Our team of financial experts has designed our business model from the ground
up to maximize safety and achieve the highest return on investment for both our
organization and you. We can proudly say we are one of just a handful of P2P
organizations which are meticulously built with safety and sustainable growth as a
top priority.
The following is the only legally accepted P2P model in China. This is the model of
HuaXia Finance, which is built by separate legal subsidiaries in order to complete the
cycle involving origination, underwriting, market making, and distribution which adds
an extra layer of safety for the investors and avoids any conflict of interest within the
group.

The fundamental difference between our model and 99% of the other P2P
companies on the market today is that we do not handle customer money directly.
All accumulated wealth goes from the lender to PBoC regulated payment companies
which insure protection of the capital against fraud/bankruptcy. This initial chain of
events is regulated by our Wealth Management Division. From there, our Asset
Division directs the flow of money to the Borrowers specifically assigned to that
Lender which have been thoroughly investigated by the Risk Management Division.
The Flow
1. The Risk Management Division investigates a potential Borrower to ensure
that they are reliable. If they meet the qualifications, their order is processed.
2. The Wealth Management Division coordinates with a Lender as to which of
our products would be most properly suited to their needs.
3. Once the Lender has selected a product, their money is transferred into a
payment company regulated by the PBoC (Peoples Bank of China).
4. The Asset Division brokers the deal and then directs the funds into the
account of the Borrowers specifically assigned to that Lender. (T+1)
5. The Lender receives a list of precisely who is borrowing his or her money.
6. As the Borrowers pay back their loans into the escrow account, the Asset
Division directs an amount back to the Risk Management Division where it is
added to the Risk Provision (which we will discuss later), an amount is taken
in the form of fees, and the rest is transferred back over to the Lender at
either the end of the term where principal and interest are redeemed upon
maturity or at the predetermined intervals depending on the investment
product chosen.
A timeline of events for a hypothetical investment will be presented after “Our
Products” on pages 21 and 22

Risk Management
Our Risk Management Division with CEO Li Yang Bo sets us apart from all other P2P
companies on the market today. Our Risk Management Division conducts a thorough,
multi-stage interview on any Borrower that might be interested and prepares a Risk
Provision in the event of Borrower default.
Since our average ticket size for Borrowers is 50,000 RMB, the Risk Management
Division is vital and responsible for making sure that you get the maximum return
possible on your investment.
Risk is minimized before borrowers are ever lent money by researching the:
1. Age of applicant
2. Current and former jobs
3. Family history
4. Health condition
5. Marital status
6. Legal/gambling history
7. Place of birth
8. Ensuring they are not on the “blacklist” of any financial institutions
The process for a Borrower:
1. They fill out an online application for a loan which is then crossed against our
list of requirements and blacklist.
2. We make phone calls to them, their family, and their employer to ensure that
they have not fraudulently filled in the application.
3. A Face-to-face interview will be conducted with someone from the Risk
Management Department who will determine if they are eligible for a loan.
The Overall Acceptance Rate for Borrowers is between 30-35% depending on the
season

13 Immediate Disqualifiers for Borrowers
1. Anyone who has had a negative financial court order ruled against them 3
times in 5 years, or once in the last year
2. Anyone who is in the military, police, or a clandestine agency
3. Anyone who is a property/security/insurance agent (unless they own a home)
4. Taxi Drivers, Door-to-door salesmen, or those working in an organization with
a “pyramid-esque” structure (Amway)
5. Anyone who is involved in illegal activities of the night, private investigation,
or private security (Bar, Personnel, Property, etc.)
6. Skydivers, racecar drivers, stuntmen, or anyone who is involved in a
dangerous occupation
7. Fire Marshals or Emergency Personnel classified as a first responder
8. Anyone who is unemployed or disabled to the point of being unfit to work
9. Anyone who has/had a bad record with us or has provided fraudulent papers
10. Anyone who is in the same sector (CreditEase, RenRenDai, Jingrong, etc.)
11. Anyone who works for a company currently under indictment/ financial
restriction
12. Anyone who has no credit history or lives outside of a 2 hour radius
13. Anyone who works in a dying sector (Such as steel, iron, etc.)
In the Event of Borrower Default
In addition to the in-depth investigation into the Borrower’s background before
they’re trusted with your money, we also have a “worst-case scenario” collection
model for if they decide not to repay the borrowed money:
1. After missing an interest payment and 29 days elapse; emails will be sent to
them, their family, and their employer daily. Messages will also be sent to
their social media accounts asking for the repayment.
2. After missing an interest payment and 59 days elapse; calls will be made to
them, their family, and their employer daily. Messages will still be sent to
their social media accounts asking for repayment.
3. After missing an interest payment and 89 days elapse; a young female from
our debt-collecting service will be sent to their place of employment and
personally demand repayment from them, their boss, or their coworkers.
4. After missing a payment and more than 100 days elapse; the local police will
be notified.

Risk Provision
This is the most important facet separating us from the competition.
In addition to using a comprehensive system for managing risks and collecting
debt, there is also a 7% built-in Risk Provision, regulated by the Bank of Shanghai, for
dealing with customers who fail to repay and default on their debt. If we lend out
money at 24% to a Borrower and pay a Lender 12%, the additional 12% makes up our
7% Risk Provision, fees, and expenses.
The average estimated default rate for P2P Borrowers across all IFSPs is slightly
higher than 6%. Using our Risk Management system, we aimfor a 5% default rate,
thus ensuring that our 7% Risk Provision will be more than enough to cover any
defaulting Borrowers and allow our Lenders to receive maximum profit.
This Risk Provision was specifically designed for you and the growth of our
company relies upon it for smooth, seamless transactions. Conceivably, an average
Lender (340,000 RMB investment) will have money lent out to 10, 15, 20, or more
Borrowers. If you selected our Macau Plan which gives you a 12% annual return on
investment, you will receive 380,800 RMB at the end of the year (40,800 RMB profit).
If you were to invest in most other P2P companies which do not have a Risk Provision
structured exactly like ours and 25% of your Borrowers default, you will effectively
lose money.
Our Risk Provision is designed for the worst-case scenario and is established by
pooling all “excess risk” capital collected and utilizing it for the “just-in-case” one
Lender had all of his or her Borrowers default. Under our shared Risk Provision, even
if all of your Borrowers defaulted, you would be protected by our Risk Management
Division.
Minimize Risk. Maximize Profit.
Next, an explanation of the unique P2P IFSP environment in China and the impact of
the gravitation towards consumerism will be presented.

Peer Growth
The Appeal of P2P in China and why it’s Essential for the Current Governmental
Encouragement of Consumerism
P2P lending has quickly become one of the fastest growing financial products in
China and it has been largely credited with helping the neglected sectors of the
community who have had trouble receiving loans from the bank in order to fund
educational costs, vacations, small businesses, etc.
The P2P industry has been enormously successful in China because of the lack of
a concrete “credit” system, such as a FICO score in America. This lack of a trusted
credit rating means that banks assume most middle-class people are going to be
unable to pay back any of their loans and therefore avoid lending to them.
The rise of consumer spending has led to the new middle-class of China
purchasing more luxury goods and spending more money on entrepreneurial
ventures, vacations, healthcare, weddings, and self-improvement. The only problem
with this is that the Chinese banking systemdoesn’t have a credit card structure
established like the rest of the developed world and it’s very hard to get a personal
or small-business loan.
P2P companies have filled this gap and have given loans to the neglected areas
of the market which are unable to go to a bank and open up a credit card or get
financing for a car, wedding, etc. P2P has been so popular in China for these reasons
and the rates of return are a huge attraction for investors, especially expats.
Most of us that moved to live and work in China are paid in RMB, a currency
which, as a foreigner, cannot be used to buy Class A shares or participate in the
stock/bond markets as we normally would in our home country. We as expats have
money here that we earned but cannot easily invest to prepare for our future. Should
we invest it into a bank, will make a rate of return that can barely keep pace with
inflation and the continuing devaluation of the currency.
We at HuaXia Finance answer the question of what opportunities foreigners working
in the mainland have when deciding how to invest their money in order to achieve
stable, safe, and reliable financial growth. It is the expat market that can utilize P2P
investing in order to enjoy the benefits of capital accumulation and financial growth
in China as they would anywhere else in the world.

The Bubble
As numerous P2P IFSPs are founded and go bankrupt every day, the overall market
and looming financial regulations exhibit similar signs as the “Dot-com” industry
prior to 2000. There are significant differences though which will allow HuaXia
Finance and a few other P2P specialized IFSPs to prosper during this time.
As of October, 2015, there were over 2,238 P2P Internet financial service
platforms operating in China alone. It is estimated that 95% of these are “pooling
resources”, clearly breaking the law regulating Internet Financial Service Platforms
which states that every Lender must be matched up to a designated Borrower(s).
Lender A cannot pool money to share a Borrower with Lender B.
If you assume that 95% of the existing 2,238 P2P Companies are in a quasi-legal
state (or just illegal) and are pooling money through Asset-Liability Grouping, there
are 112 P2P platforms remaining which are not acting as banks. Once another 75% of
these remaining are removed for directly handling the flow of their clients’ funds,
you are left with about 30 completely legally recognized P2P Companies in China. By
the end of 2016, there should only be 5 P2P Companies left which follow our model.
There will be a “bubble burst” of P2P Companies as the number of Internet
Financial Service Platforms has grown rapidly over the past few years and has
increased 300% from 2014-2015. The coming governmental regulation of the
manner in which most of these companies conduct business will shut their doors
instantly. We sleep soundly at night, and you should to, knowing that we have
prepared thoroughly for any new regulations and our shared business will not be
affected.
The IFSP “bubble” of industries will initially cause a massive default rate to
Lenders from improperly established P2P companies (just over 2,000 companies).
The Borrowers will naturally gravitate towards the remaining 30 (estimated) P2P
IFSPs remaining and this will lead to a high rate of mismanaged funds by previously
secure P2P companies due to the increased volume of applicants and the differing
loan amounts required.
Initial problems with the flood of new clientele loan applications will be
screening and processing the applicant Borrowers since many of these companies
have very few, or no, Risk Management personnel. Many of these remaining P2P
IFSPs after the initial burst will simply fulfill every application they receive to obtain

the biggest market share from the fallout. Without an established Risk Provision
greater than the average rate of default, the results of obtaining new, unverified
clients too quickly will lead to exponentially increasing default rates among
Borrowers, bankrupting formerly legally established P2P IFSPs that initially survived
the collapse of the bubble.
The second substantial problem will arise with P2P IFSPs that focus on smaller
loan amounts to Borrowers (100-5000 RMB) and small investment amount from
Lenders (5,000-20,000 RMB) attempt to seize the “new” Borrowers who are
interested in 40,000 RMB loans and Lenders that are attempting to invest over
500,000 RMB.
The vast majority of completely legally accepted P2P IFSPs on the market today
without a risk management department succeed purely by the fact that their average
Borrower is only being lent 500 RMB over the course of 1-3 years and may only have
to repay 30 RMB a month. This minimal monthly online payment keeps many people
from defaulting because, even though the interest rates are equitable to larger
Borrower/Lender specified companies, the monthly payment is so low that paying
the bill online is easier than dealing with legal repercussions of defaulting.
The business structure of HuaXia Finance was designed specifically with the
understanding that increasing financial regulations will affect 99% of the P2P IFSP
community. Our expertly managed Risk Management Division and established Risk
Provision will not be affected in any way by new regulations due to our use of
payment companies regulated by the PBoC and our Asset Division specifically
matching Lenders with Borrowers. Our average Lender invests 340,000 RMB and our
average Borrower is lent 50,000 RMB. Even though there will be an exponentially
increasing number of potential Borrowers who will apply after the “bubble burst”, we
will not lower our standard of perfection or compromise our Risk Provision. Every
investor or investee must meet our standard so that we may meet theirs.
We at HuaXia Finance believe in trust, transparency, integrity, and risk
management. These are the essentials in which our business was founded and the
most important aspects that will allow our business to thrive. We are the leading P2P
IFSP on the market today because we have structured our business to adapt to the
future needs of the consumer. By looking at what the P2P IFSP regulations might be
in the future and adjusting to them now, we stay a step ahead of regulation and a
mile ahead of the competition. Our products are designed for the differing needs of
each and every client and your capital safety is our top priority.

Products
The following is a chart of the 8 products we currently offer which have been
specifically designed in order to offer maximum flexibility if you just need a short-
term boost, maximum profit if you are saving up for the future, or a stable interest
rate revenue stream throughout the year.
Investment
Plan
Annual Rate of
Return
Duration ofLoan
(In Months)
Minimum
Investment
Redeemed Upon Maturity
Nanjing 13% 36 50,000 RMB Principal and Interest
Shanghai 12.5% 24 50,000 RMB Principal and Interest
Hong Kong 11.5%` 18 50,000 RMB Principal and Interest
Beijing 10.5% 12 10,000 RMB Monthly Interest Payments
Principal Upon Maturity
Macau 10.8% 12 10,000 RMB Principal and Interest
Chengdu 8.5% 9 50,000 RMB Principal and Interest
Shenzhen 8% 6 50,000 RMB Principal and Interest
Hangzhou 8% 6 50,000 RMB Monthly Interest Payments
Principal Upon Maturity
Xi’an 6.5% 3 50,000 RMB Principal and Interest
Xiamen 5% 1 50,000 RMB Principal and Interest
The products are arranged from longest to shortest term and highest to lowest
annual rate of return on your investment.
There is no difference in the “grade” or the “safety” of your investment. All Lender
amounts are diversified evenly to a range of Borrowers and every Lender is covered
equally under our Risk Provision. We recommend you speak with an Expat Financial
Advisor who would be more than happy to meet with you and discuss which plan
would be best suited to meet your financial needs.
The following pages present timelines of events for hypothetical investments

Product Timeline
For our first example below, we will assume that an investor has selected the
Shenzhen Plan with an investment of 100,000 RMB. From the chart on the previous
page, you will note that this investment pays an 8.5% annual interest rate with
principle and interest redeemed upon maturity in 6 months.
Contract signed January 1st.
During this time, the Risk Management Division will be reporting to the Asset
Division in case there are any Borrower problems and how the Risk Provision will be
used in order to ensure your returns. If a Borrower repays their current loan, you will
also be notified how your capital is re-lent to a new qualified Borrower, whom you
will be informed of, so your rate of return is unaffected.
Fundamental aspects of our timeline:
1. All orders from Lenders are filled on a T+1 schedule. We will not, and legally
cannot, accept capital unless there are Borrowers ready to be paired to it.
2. One week after pairing of the Lender capital to the Borrowers, the Lender will
receive a report of how much of their money was lent to whom.
3. At the date of maturity, the investor (Lender) receives interest and principle;
104,250 RMB for the Shenzhen Plan in this example.
4. The interest profit of this plan is 8.5% a year, or 4.25% in the time allotted.

For our next example below, we will assume that an investor has selected the
Beijing Plan, one of our most popular, with an investment of 100,000 RMB. From the
chart on the page 20, you will note that this investment pays an 11% annual interest
rate with principle redeemed upon maturity in 12 months but with a monthly
interest payment of 1%.
Contract signed January 1st
Fundamental aspects of our timeline:
1. All orders from Lenders are filled on a T+1 schedule. We will not, and legally
cannot, accept capital unless there are Borrowers ready to be paired with it.
2. One week after pairing of the Lender capital to the Borrowers, the Lender will
receive a report of how much of their money was lent to whom as well as any
updates on a monthly basis.
3. The Lender receives an Interest Payment every month
4. At the date of maturity, the investor (Lender) redeems the last interest
payment and principle; 111,000 RMB through the Beijing Plan in this
example.
5. The interest profit of this plan is 11% a year or 11,000 RMB

Contact Us Today
Let us help you diversify your wealth, build your portfolio, and achieve your financial
goals as soon as possible.
Huaxiafinance.com
(+86) 4000-466-600 (Chinese)
(+86) 1362-1748-185 (English)
Kefu@huaxiafinance.com (Chinese)
Michaeljbeda@huaxiafinance.com (English)
763 Mengzi Road, Hong Kong Prosperity Tower, 8th and 9th Floor, HuangPu Shanghai
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