WORLDUNION(SZ:002285)2022-12-08 02:18Group 1: Company Overview - Shenzhen World Union Properties Consultancy Co., Ltd. is actively exploring partnerships in the internet finance sector, particularly in mortgage services [2] - The company is considering investing in a city commercial bank to develop real estate mortgage services [2] Group 2: Financial Insights - The company studied Nationstar Mortgage, which generates approximately 13 billion RMB in annual revenue from mortgage services across the U.S. [2] - The company believes there is significant potential in China's real estate finance market [3] Group 3: Risk Management - A comprehensive risk model has been established, focusing on: - Excluding high-risk cities such as Ordos and Wenzhou [3] - Selecting developers with lower project risks [3] - Analyzing borrowers' professional backgrounds, income levels, and bank transaction histories to assess creditworthiness [3] Group 4: Funding Sources - The sources of funds for small loans include: - Own funds - Bank loans - Asset securitization - Trust plans - World Union's capital platform [3]