WORLDUNION(SZ:002285)2022-12-08 02:18Group 1: Financial Risk Management - The company has implemented a "Principal Protection Plan" to safeguard investors' interests, which includes a risk reserve fund amounting to 1.5% of the loan amount for transactions under this plan [2][3] - Last year, the company completed 20,000 loans without any bad debts, attributed to a comprehensive risk model that excludes high-risk cities and developers [3] - The risk assessment includes analyzing borrowers' professional backgrounds, income levels, and annual bank statements to determine creditworthiness [3] Group 2: Property Management Expansion - The company has entered the property management sector, focusing on office buildings and parks, with potential clients like ZTE Communications in discussions [3] - This sector is seen as a significant growth opportunity, especially in light of increased sensitivity among foreign companies post-Snowden [3] Group 3: Future Growth Strategies - The primary growth point for the company is expected to be in financial services, with a goal to evolve into a platform company [3][4] - The company aims for its mobile app to achieve over 2 million daily clicks, positioning it among the top 200 applications in China [3] - The integration of services such as property valuation, sales, rentals, and financial investments is anticipated to enhance user engagement and capitalize on the growing financial awareness among Chinese households [4]