维信金科控股（简称维信金科）——港交所智能金融第一股（2003.HK），是中国领先的独立线上消费金融服务商。自2006年，公司开始在中国内地从事消费金融服务，十二年创新发展，成为科技驱动的智能消费金融企业。

目前集团在中国拥有包括（互联网）小额贷款、融资担保、融资租赁、金融服务等在内的多家子（分）公司及业务分部。维信集团在上海虹口设立跨国公司地区总部，通过自主研发的蜂鸟大数据平台和智能信贷机器人，为全国用户提供触手可及的智能金融服务。

科技是维信金科建立市场领先地位的关键因素。12年的科技积淀让维信金科在技术领域取得领先地位，截至目前，集团研发并申请重要专利11项，软件著作权75项，拥有对业务发展的重要商标12项，并与多所高校建立长期产学研项目合作关系。

VCREDIT HOLDINGS LIMITED (VCREDIT), the first share of Intelligent Finance in HKEX (2003.HK), is a leading independent online consumer financial service provider in China. Since 2006, VCREDIT began to engage in consumer financial service in mainland China. After 12 years of innovation and development, VCREDIT became a technology-driven intelligent consumer financial enterprise.

The VCREDIT Group now has a number of sub-companies and business branches specializing in (Internet) microfinance, financing guarantee, financing lease and other financial services. VCREDIT sets up the multinational regional headquarters in Hongkou, Shanghai and provides national users with intelligent financial services near at hand through the self-developed hummingbird large data platform and intelligent credit robot.

Technology is a key factor taking VCREDIT to the forefront of the market. Dedicated to technology for 12 years, VCREDIT has forged into the lead in technical fields. So far, the VCREDIT group has developed and applied for 11 important patents, 75 software copyrights, and 12 trademarks essential for business development. Besides, VCREDIT also has established long-term cooperation with many universities in Industry-University Research Project.