Founded in June, 2011, Niwodai（niwodai.com）is a infomediary P2P lending platform in Shanghai, a wholly-owned subsidiary of Shanghai Jiayin Finance Technology Co.,Ltd(832031), which was listed in National Equities Exchange and Quotations(NEEQ) in 2015. Niwodai is operated by Shanghai Niwodai Internet Financial Information Services Co.,Ltd by now. Depending on the big date supported financial risk-management model, Niwodai ties the qualified financial needs of SMES and individual borrowers with the investment demands from investors by providing effectively matched information. Apart from positioning as the P2P lending platform, Niwodai takes full advantage of its innovative technology establishing the fin-tech brand Ji Rong under Jia Yin Fin-tech，targeting for promoting the transformation of traditional financial model to fin-tech driven financial services. During its past six years, Niwodai has been all concentrating on carrying forward the construction of credit system through digital technology, also to help building up the inclusive financial environment in China. Up til now, Niwodai has had more than 20 million registered users, with 50 million trades up to a total of 60 billion RMB trade volume.