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“Chuangu Financial Technology” is a one-stop secondary market wealth management platform that was previously reported, established in May 2017 In December 2017, Jin Ruitai received 4 million yuan in angel round financing. At present, Chuan Gu Financial Technology is planning a new round of financing, which will be used for product development and market promotion.

Q1. In the past three years, what changes have taken place in the company ’s positioning, products, main business or development direction? What is the current position of the company, its main business and products?

The core product of Chuan Gu Financial Technology is a platform that gathers asset data, asset analysis and evaluation systems, and asset allocation solutions. It provides system and consulting services for traditional financial institutions and emerging independent financial planners and family offices.

On the data side, Kawaguchi grasps public offerings, private placements, wealth management, stocks, and other data through private equity contests and offline matchmaking to understand institutional and company history, different strategic information, and net worth.

Analysis and evaluation end, based on the collected data, the system algorithm generates the net value analysis report, the exhaustive adjustment report, and restores the strategy logic after crawling, cleaning, and structuring.

Finally, build a model based on the analysis results, dynamically adjust the asset allocation portfolio, and output an optimized allocation strategy.

Based on this platform, the main services provided includeData service, software tool system and asset management consultant are three. In the past three years, Kawaguchi ’s main business has been to traditional financial institutions such as brokers, futures, tripartite wealth, banks, etc., providing them with analysis systems to help optimize strategies.

Since the second half of 19 years, Kawatani began to expand the business boundary to family offices and independent financial planners, providing services in the TAMP (Turnkey Asset Management Platform) model. Specifically, it is for these independent and decentralized asset managers to provide both system and consulting to supplement their mid- and back-end functional strength. Through the system, asset managers can obtain data information, product research, due diligence and other services; through consultation, together with asset managers, they can issue corresponding configuration plans for customer portraits and income risk expectations. Asset managers can improve efficiency, save costs, and focus on front-end customer service.

There are also certain changes in the business model. The TAMP model can support Kawaguchi not only to charge system service fees and system customization fees for the B-end, but also to perform management fees and back-end revenue sharing with managers at the asset management end.

Q2. What is the reason / background for business transformation?

1. On the market side, as residents ’wealth continues to accumulate, high-net-worth customers gradually increase , and personal wealth management awareness gradually increases. However, the products provided by traditional financial institutions lack customized components, making it difficult to meet the needs of personalized asset allocation.

2. Talents. During the ten years from 2000 to 2010, the head licensed financial management institutions trained a large number of mature financial planners, and the scale of independent financial planners continued to grow.

3. On the demand side, for the family offices and independent financial planners in Nakagaga, the cost is high, the efficiency is low, the professional coverage is small, and the functional end capabilities of the middle and back office are relatively lacking.

Q3. What are the difficulties / barriers and value points of Kawagu products?

Kawaguchi is still positioned as a financial service platform with one end connected to the asset management party and the other end connected to the wealth end. The barriers of Kawaguchi’s products are mainly in data collection, processing, processing and analysis.

On the data side, public offerings, wealth management, and stock data are all public, but private placement data is non-public. There are 8,800 private placement companies and 160,000 private placement products in the entire market. Net value data is obtained and the authenticity of the data is verified It is not easy to analyze the investment strategy behind the data.

On the Kawaguchi platform, there are 2,000 private equity companies that upload product net worth data every week or half a monthThis guarantees that the entire data of Kawaguchi is timely, accurate and complete.

At the same time, the entire financial engineering team of Sichuan Valley is returned from studying in the United States, with advanced metalworking concepts at home and abroad, and professional research capabilities are the core of Sichuan Valley products. It is already very difficult to analyze 3800 stocks, not to mention the analysis of 160,000 private equity products, and the reasonable allocation, the difficulty of its research can be imagined.

The products of Sichuan Valley are also user-friendly. The products of Sichuan Valley serve more than 300 B-end customers, satisfying various functions such as query, attribution, research, configuration, etc., covering various strategies such as stocks, futures, commodities, bonds, etc. It also took three years of iteration before it could be widely promoted.

Q4. What progress has Sichuan Valley Financial Technology made in terms of products, technology, market expansion, commercialization, teamwork, and financing in 2019?

2019 is a crucial year for Kawaguchi. The main result is the JD.com Private Equity Contest with JD.com, which will complete the entire private equity data and squeeze into the fund evaluation industry. Top three.

At the same time, Kawaguchi continues to iterate on the product side. On the one hand, it continues to serve large B-end customers such as brokers, futures companies, and FOF institutions. On the other hand, it also launches a large-scale asset allocation sector to enter the family office field. By half a year, several orders had been launched.

However, due to the small number of employees in the Kawaguchi market, the lack of manpower in the sales of financial institutions and the extension of family offices affects the market share. The main purpose of this round of financing is to exert force on the market side, vigorously shop and seize the market.

Q5. In 2020, what are your plans for products, technology, market development, commercialization, team building, etc.?

1. Build a sales team as soon as possible, promote home business and occupy the track;

2. On the other hand, continue to deepen services to traditional financial institutions and strengthen data collection, analysis, and collation services.

Q6. How many sales customers does Chuan Gu Financial Technology currently serve? What is the customer unit price and revenue level of products and services? What is the profit margin?

The company’s team of nearly 30 people owns one invention patent and 16 software copyrights, serves 300 investment advisory agencies, and establishes links with 3,000 asset managers. Revenue in 2019 is around 7 million, which has achieved breakeven.

Q7. What is the current competitive landscape of TAMP in China? What are the differences in the development of TAMP between China and the United States?

TAMP in China is still in a very early stage