9F Inc. (NASDAQ: JFU) is a Shanghai‐based, technology‐driven financial services platform that provides a range of lending and wealth management solutions to individuals and small‐ to medium‐sized enterprises (SMEs) in China. Leveraging proprietary big data analytics, artificial intelligence and cloud‐based risk assessment tools, 9F seeks to streamline the application and underwriting process for consumer and SME loan products. The company’s digital ecosystem connects borrowers with institutional funding partners, enabling faster credit decisions and tailored financing options.
The company’s product portfolio includes unsecured personal loans, small business working capital facilities and supply chain financing. On the wealth management side, 9F offers a suite of fixed‐income and structured note investments designed to meet varying risk‐return objectives. Through its online platform and mobile applications, customers can apply for financing, monitor loan performance and access educational resources on personal finance and small business operations.
Since its founding in 2015, 9F has expanded its footprint across major urban and regional centers in mainland China. The company has formed strategic partnerships with local banks, peer‐to‐peer platforms and fintech firms to broaden its distribution channels and enhance product offerings. Historically, 9F has focused on underserved borrower segments, applying advanced credit scoring models to improve inclusion and reduce default rates.
9F is led by founder and Chief Executive Officer Jianming Zhang, with Hui Li serving as Chief Financial Officer. The leadership team brings extensive experience in finance, technology and regulatory compliance. Committed to robust corporate governance and continuous innovation, 9F aims to maintain its position at the forefront of China’s digital finance landscape.
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