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为了让大家更快更容易读懂小牛资本，我们制作了一系列解读小牛资本的宣传内容，包括此前的?《一张图读懂小牛资本的价值观》、《小牛资本动画宣传片》、《官方网站全新改版》等，今天Neo君推出的是小牛资本官方介绍的中英版，稍后还有压轴作品——中国知名广告导演李海宁执拍的小牛资本品牌广告片，敬请期待！
小牛资本管理集团是国内领先的新型金融服务集团，创立于2012年，在北京、上海、深圳、香港设立了四大管理中心，境外业务辐射迪拜、澳洲、伦敦、纽约等国际金融中心，总部位于深圳。
小牛资本坚持服务实体经济，旗下拥有小牛金服、小牛新财富、小牛投资和小牛分期等多家子公司，业务涵盖普惠金融、消费金融、财富管理、投资管理。是什么原因令近500万客户选择小牛资本？我们想，包括但不限于这14个理由：
01 小牛新财富提供全球资产配置和全面财富管理服务
(I) Neo Wealth provides global assets allocation and comprehensive wealth management service.
小牛资本旗下的小牛新财富以精细化、专业化、系统化的服务模式和理念，致力于为客户提供全面的财富保值、增值、资产传承、定制金融服务及个性化管家服务，业务涵盖海外养老、海外医疗、留学移民、家族信托、境外房产经纪、保险保障、私募基金等，新财富通过自动化管理技术，不断提高业务效率，为广大投资者提供优质的财富服务。
Neo Wealth, a subsidiary of Neo Capital, is committed to offer professional and considerate financial services, related to assets maintenance and value enhancement, assets inheritance and other customized financial services. It also provides services covering overseas medical care, overseas study application supplies, immigration consultancy, family trust service, overseas real estate brokerage, overseas insurance purchase and private fund raising. Neo Wealth offers excellent, efficient financial services to meet the increasingly diversified demands of clients by automation management technology.
02小牛金服已形成开放的线上线下投融资模式
(II) Neo Financial has formed an open online-offline investment and financing model.
小牛金服旗下囊括了线上普惠金融理财平台小牛在线、普惠金融信息服务平台小牛普惠、垂直细分资产端前海融辉、纯线上自动化借贷平台乾牛贷项目等四大平台，目标是成为小微企业及年轻家庭超级金融入口，未来计划引入多层级战略投资伙伴，谋求海外上市。
Neo Financial has formed four platforms: Neo Online, which is an online inclusive financing platform; Neo Inclusive Finance , which is a financial information service platform; Qianhaironghui, which focuses on the vertical niche asset market; and Qianniudai, an upcoming automated online lending platform. In order to make Neo Financial accessible for small and micro enterprises and young families–Neo Financial is planning to build a strategic cooperative partnership with other financial institutions, besides getting listed in overseas stock markets.
此前，小牛在线和小牛普惠已形成线上线下的投融资线闭环。小牛金服实施开放闭环战略，强调“资产端优先”，意即让资金有靠谱的资产对应，让金融不断“实体化”。在资产端（资产撮合），小牛金服配置专业化的人员线下寻找靠谱资产，还通过运用智能科技、人工智能，强化业务端的数据分析和统计能力，不断降低人力成本；而资金端，则主要依靠线上、品牌和产品去吸引大众投资人。新增前海融辉和乾牛贷项目后，小牛金服将借助资产端的优化升级，不断提高自身商业模式的可触达性和持续性。
Neo Online and Neo Inclusive Finance have already formed a completely closed business circle for investment and financing both online and offline. The latest strategy of Neo Financial is to provide more assets to the closed investment circle. Neo Financial always gives priority to assets so that capital can be matched up with appropriate assets to substantiate the financing process. During the matching process, its professional staff simultaneously seeks high-quality assets offline. Neo Financial enhances its data analysis and statistical capacity and cuts down labor costs by adopting smart technology and artificial intelligence analysis methods. In the meanwhile, Neo Financial attracts investors online using its brand and products. Also, Qianhaironghui and upcoming Qianniudai will help Neo Financial improve the accessibility and sustainability of its business model by upgrading and optimizing assets.
03小牛普惠为穷人提供享受金融服务的机会
(III) Neo Inclusive Finance never excludes the right of the underprivileged to enjoy financial services.
小牛资本既“为富人赚钱，也为穷人也赚钱”，初心是让每人都能感受金融的平等和美好。子公司小牛金服旗下普惠金融信息服务平台小牛普惠主要面向多元金融需求的借款者，如小微企业、工薪族、个人创业者、大学生以及“三农”客户等，线下网点260多家，服务借款人超过80万，国内综合排名前五。
Neo Capital not only helps the rich but also the underprivileged to make money, aiming to reach a harmonious and respectful investing environment. Its subsidiary, Neo Inclusive Finance, is open to borrowers who have various financial needs, such as SMEs, white-collars, individual entrepreneurs, college students, farmers, and clients in rural areas and from the sector of agriculture. Services from over 260 offline branches of Neo Inclusive Finance are available to more than 800,000 people, making it ranked 5th in China by comprehensive strength.
小牛普惠是小牛资本最大的资产撮合方，拥有稳健信息服务渠道和丰富行业资源优势，主要通过线上普惠金融理财平台小牛在线，撮合全国各地的大众投资人（通过线上获客）和自然借款人（经由小牛普惠分布于全国多个城市的线下门店获取）发生网络借贷业务，并通过向借款人收取服务费来支撑运营。
With stable information service channels and abundant industry resources, Neo Inclusive Finance, the biggest matchmaking platform under Neo Capital, connects online potential investors nationwide with borrowers acquired by offline branches. Neo Inclusive Finance charges the borrowers a sum of service fees to support its operations.
小额分散是小牛普惠金融业务最大特点，小牛既有建立专业的线下队伍来甄选借款人，也结合科技金融与大数据征信手段，确保借出资金能找到靠谱的资产端。小牛已打造一个成本可覆盖、风险可控的普惠金融生态，同时，还积极与银行签订第三方资金存管协议，为客户资金、信息安全保驾护航。
Neo Inclusive Finance sticks to the principle of “small-amount and diversified financing”. Neo Capital not only builds a professional team for selecting qualified borrowers but also guarantees the credibility of the assets by applying FinTech and big-data methods. Neo Capital has created an inclusive financial ecosystem of its own where costs are well-covered and risks are under control. Meanwhile, Neo Online actively works on third-party fund depository agreements with banks, in a bid to ensure the safety of the clients’ information and wealth.
04 小牛在线坚持小额分散原则，风控领先合规经营
(IV) Neo Online follows the principle of “small-amount and diversified financing” for risk management and compliant operations.
成立三年，小牛金服旗下的小牛在线已经成为华南最大的线上普惠金融理财平台，小牛在线旨在为广大消费者提供更透明、简单、高效的理财服务，推动实现全民财富的保值增值。
Since its establishment, Neo Online has grown into the biggest online inclusive financing platform in southern China. It aims at providing transparent, efficient and understandable financial services to its clients. Therefore, both rich and the underprivileged can share the fruits of preservation and increment of wealth.
2017年1月，小牛金服旗下的小牛在线总成交额累计破500亿元。去年12月，小牛在线以低于8.8%的平均年化收益率，月撮合资金达35.16亿元，复投率70%、留存率94%。小牛在线注册用户已超400万，累计为合格投资人赚取超13亿元收益，远超行业平均水平，并获得社科院A级评级（排名第四）。
In January 2017, the total volume of transaction of Neo Online exceeded RMB 50 billion. In December 2016, Neo Online successfully matched investments worth over RMB 3.51 billion with an average annual rate of return below 8.8%. The re-investment rate from previous clients was 70% and the rate of client retention was 94%. It has more than 4 million registered clients and has made a total profit of over RMB 1.3 billion for all qualified Neo investors till December 2016. Based on the above-average performance, Neo Online earned itself an A-level ranking by Chinese Academy of Social Sciences (ranked 4th).
凭借完善的风险管理体系和领先技术优势，小牛在线获得了ICP许可、EDI证书。同时，小牛在线也是最早加入央行指导下的中国互联网金融协会成员之一。小牛在线从系统安全性、公司运营规范制度，实现了合规稳健经营，也推动了行业健康发展。
With an advanced risk management system and leading technological advantages, Neo Online has obtained an ICP license, EDI certificate.Neo Online is also one of the first members to join the National Internet Finance Association of China, which is under the regulation of the People’s Bank of China. It fuels the growth steadily and legally by implementing company operation standard system, thereby making contribution to the healthy development of the whole industry.
05 小牛分期为中国新兴消费群体提供消费分期服务
(V) Neo Credit provides the emerging consumer groups with installment service.
小牛资本集团旗下消费金融平台小牛分期，向不被传统银行覆盖的消费人群提供金融服务，填补统信用市场盲区，推动金融从高端走向“平民化"。小牛分期提供科技化、场景化的消费分期服务，从实用性消费品出发，延展到出行、教育、美容、旅游等一站式消费金融服务，最终实现衣、食、住、用、行的全场景覆盖。
Neo Credit is a consumer finance platform under Neo Capital aimed at all consumers who are not covered by traditional banks. It fills the gaps in the traditional credit market and makes high-end financial services more popular among the commoners. From practical consumer goods to one-stop consumer financial services, such as travel, education, cosmetology and tourism, Neo Credit provides scientific installment services according to different circumstances. It strives for realizing the full coverage of clothing, food, shelter and transportation.
为保证服务质量并有效控制风险，小牛研发了一套精细化的金融风控体系，已接洽数家权威的商业征信机构，获得大量有效客户数据，把生物特征识别技术、人工智能、私人专属理财顾问等技术融入服务中，提供更完善的购物体验。
In order to effectively manage the risk while providing the best service, Neo Capitalhas developed a sophisticated financial risk management system. Up till now, Neo Capital has engaged with several authoritative commercial credit bureaus and has obtained a large amount of valid consumer data. In the future, it will further integrate biometric identification technology, artificial intelligence and customized financial consultation into its financial services for providing consumers with a sound shopping experience.
06 小牛投资为企业提供投资管理服务
(VI) Neo Investment provides investment management service for enterprises.
小牛资本旗下的小牛投资通过发起设立私募股权基金、债权基金、并购基金、产业基金、证券投资基金等，为企业提供财务优化、战略梳理、产业整合、价值提升等服务。
Neo Investment provides enterprises with services of financial optimization, strategic guidance, industry consolidation and value promotion by setting up private equity funds, debt funds, buyout funds, industry investment funds and securities investment funds.
家庭娱乐、清洁交通、消费升级等绿色产业和未来产业项目是小牛资本关注的投资主体，因为绿色金融不仅是国家战略，更是企业的社会责任和公民良心。
Neo Capital pays keen attention to green industries and sunrise industries, such as family entertainment, green transportation and consumption escalation, because green finance is not only a state strategy but also a social responsibility of the enterprises.
07牛鼎丰科技启动FinTech战略，发力大数据风控
(VII) Neo FinTech launches FinTech strategy and strengthens risk management by industry big data.
风控是金融的重中之重，小牛资本旗下的FinTech公司牛鼎丰科技较早前就启动了金融科技战略，从腾讯、阿里、Oracle、平安等企业引进了大批技术人才，不断加强科技力量提升风控能力。小牛资本内部打造了hadoop系列大数据平台，将自身积累的百万级的用户数据与非传统金融数据、网上爬取的征信数据、行为信息相结合，运用大数据人工智能等技术，进行精细化运营。
Risk management are the core of the financial industry. Therefore, in order to reinforce the scientific technological strength and risk management, Neo FinTech launched the FinTech strategy, introducing a large number of technical professionals from Tencent, Alibaba, Oracle, Ping An, etc. Moreover, Neo Capital is building up a series of in-house big data platforms called hadoop. It will combine millions of items of user data with non-traditional financial data, credit information and behavioral information from the internet. Then, big data analysis and artificial intelligence will be utilized to refine the data operations.
通过整合线下、线上的结构和非结构数据，可实现精准量化分析，大大提升金融风控的效果和效率与产品对细分市场的风险定价精确度，为小牛的金融业务的风险管理和回报可预估收益提供了保障，也保障客户资金安全。小牛资本还积极与多方建立合作机制，与国外征信巨头FICO、环联、益博睿等建立了深度合作伙伴关系，打造更完善的数字化风控模型。
Meanwhile, Neo Capital integrates online and offline structured data and unstructured data for the sake of realizing precise quantitative analysis, greatly improving the effectiveness and efficiency of financial risk management as well as the accuracy of risk pricing on products in different market segments. This guarantees that the risk related to its financial business is well managed, profits adequately estimated, and clients’ capital security assured. Moreover, Neo Capital also takes the initiative to closely cooperate with multiple tycoons in the credit industry, such as FICO, TransUnion and Experian, in order to build up a more sophisticated digitalized risk management model.
08 小牛资本与强大投研团队、高效务实的机构合作
(VIII) Neo Capital cooperates with influential research and investment teams and institutions.
2016年11月，小牛资本宣布与全球创新型投资银行金融机构——香港富盈金融集团有限公司达成战略合作伙伴关系，小牛资本放眼全球，不断加强与背景强大、投研团队高效务实的机构合作。随着沪港通、深港通的开通、QDII2（合格境内个人投资者）、自贸区等实施，富盈金融集团将会为小牛资本客户群体，提供涵盖资产管理、股权投资、投资咨询等服务，不断深化与小牛业务的合作，互补资源，同时也联合海外不同的证券、基金、银行、保险等金融机构展开合作，携手构建全球资产配置平台。
In November 2016, Neo Capital announced strategic partnership with Galaxy Treasure Financial Group Holdings Limited, which is an international innovative financial institution specializing in investment banking. With a global view, Neo Capital keeps on strengthening cooperation with institutions with a strong financial background and highly effective teams good at research and investment. With the opening of Shanghai-Hong Kong and Shenzhen-Hong Kong stock connect as well as the implementation of QDII2 and free trade zone, it will be more beneficial for Galaxy Treasure Financialto provide Neo Capital’s clients with services, such as assets management, equity investment and investment consultancy. Given the continuous improvement in business cooperation and mutually complementary resources, Galaxy Treasure Financialalso collaborates with different overseas financial institutions, such as securities agencies, funding agencies, banks and insurance companies, in order to collectively establish a platform for global assets allocation.
09 小牛资本启动家庭金融战略，寻找优质资产
(IX) Neo Capital launches the Household Finance Strategy and looks for high-quality assets.
小牛资本一直倾力为社会家庭提供所需的金融服务，同时不断探索未来的金融供给，为中国广大的家庭寻找优质资产，致力于成为中国家庭金融超级入口。围绕“美好资本、美好金融、美好社会”发展理念，小牛资本已启动家庭金融战略，成为国内首批将大众家庭资产配置提升至企业发展战略地位的金融企业。
Neo Capital is fully committed to providing Chinese families with the financial services they need. It explores the prospective financial supply by striving to make premium assets accessible to the Chinese households. Based on the principle of “good capital, good finance, good society”, Neo Capital has put forward the strategy of household financing, becoming one of the first financial enterprises in China that have incorporated family assets allocation into development strategies.
后房地产时代，顺应每个家庭细微的金融需求，为大众发现和创造更多优质的资产，帮助每个家庭对抗经济下行，是小牛“家庭金融战略”的核心。中国的家庭配置普遍存在“波段”的连续性不够的问题，针对中国家庭持有的资产中房产的比例过高，市场提供的中等收益和中等风险的产品少的现状，小牛资本从多维度探索，包括联合甘犁教授主导的中国家庭金融调查与研究中心发布《中国家庭金融资产配置风险报告》、携手清华大学探讨普惠金融发展路径等等。
In the post-real estate era, the core of Neo Capital’s strategy is to meet the financial demands of every family and help them cope with the pressure of downward economy by discovering and creating more high-quality assets. It’s a common issue in China that the financial allocation structure is unbalanced and unsustainable, because families invest too much on real estate while the market offers insufficient products with moderate profits and risks. In response to this problem, Neo Capital has been cooperating with Professor GAN Li and Tsinghua University to discuss the possibilities of developing inclusive financing. Professor GAN Li, Director of China Household Finance Survey, has led a survey about China household finance and released a risk report on Chinese families’ financial assets allocation.
10 启动人才升级战略，组建了一支资深的“牛咖团队”
(X) Neo Capital implements the Talents Upgrading Strategy and has put together an experienced consultancy team.
自小牛资本2016年推行人才升级战略以来，加盟的大咖就包括原平安银行首席风控官张祐成、曾于花旗银行任要职的毛锋等等。小牛资本正在以其卓越的商业模式，开放的理念与企业文化吸引众多跨界人才的到来。
Since 2016, Neo Capital has carried out the “Talents Upgrading” plan and a few bigwigs have joined the program, including ZHANG Youcheng, former Chief Risk Officer of Ping An Bank, and MAO Feng, who held an important post at Citi Bank. With excellent business model and open corporate culture, Neo Capital is attracting more and more cross-disciplinary talents.
目前旗下的小牛新财富已经打造一支高端私人银行服务顾问团队，以VIP私人财富管理为主，同时围绕高端医疗、品质教育、私享生活、定制旅行等非金融增值服务项目，为社会高净值人群提供高端定制服务。
Moreover, Neo Wealth has built a private consulting team to provide comprehensive and customized services for HNWIs (High Net Worth Individuals), with its main focus on VIP private property management. Meanwhile, clients could enjoy services regarding non-financial value-added services programs in respect of premium medical care, high quality education, good life and tailor-made travel.
11 小牛·思想工厂为你提供经济发展最深刻的洞见
(XI) Neo Idea Factory offers the most insightful opinions about the current economic development.
小牛资本的专注与趣味并不囿于金钱，打造了一个纯粹的优质内容生产平台“小牛·思想工厂”，这是小牛资本颠覆传统金融企业冷酷形象的一次大胆、有益的尝试。
Neo Capital’s ambition goes far beyond wealth and has set up an excellent content production platform "Neo Idea Factory". It is an adventurous attempt at getting rid of the cold image of financial enterprises.
针对行业发展趋势和企业内部管理的需要，小牛资本定期邀请经济学家、行业研究员、艺术大咖前来开展内部培训，包括世界著名经济学家许成钢、中国家庭金融调查中心主任甘犁、耶鲁大学的教授研究员朱宁、金马奖纪录片导演周浩、国际著名艺术家曹斐等大咖都曾作客小牛资本，分享他们最独到深刻的见解。小牛希望借此不断提升员工的眼界和趣味，在内部形成一种理性又不失温度的氛围。
To better improve its staff, Neo Capital has periodically invited big names from related professions to give lectures on a regular basis. Guests, who have shared their insightful opinions in Neo Idea Factory, include the famous economist XU Chenggang, China Household Finance Survey Director GAN Li, Yale University researcher ZHU Ning, winner of the Golden Horse Award for Best Documentary filmmaker ZHOU Hao and well-known artist CAO Fei. Neo Capital sincerely hopes that lectures from them can broaden the horizons of its staff and create a rational and friendly internal enterprise culture.
12 小牛公益践行社会责任，为社会家庭提供爱的援助
(XII) Neo Capital and its subsidiaries are dedicated to social responsibility and lend a helping hand to financially disadvantaged families.
小牛资本的家庭金融战略除了帮助社会大众创造更多财富，还包括对社会家庭关系的维护，帮助每个家庭变美好是小牛资本的企业职责。
The Household Finance Strategy of Neo Capital aims not only at bringing people more wealth but also maintaining family relations. Neo Capital regards helping every family as its corporate social responsibility.
目前小牛的慈善足迹遍布全国，“妈妈很牛-爱在妈妈最难时”、“农村商学院”、“彩虹铅笔1+1”爱心助学、委托金马奖导演周浩拍摄公益记录片《异乡的父母》、在线代言人大鹏携手著名前国手王仕鹏开展“宝贝很牛”等公益项目，受到外界高度关注。其中联合妇联开展的“妈妈很牛”年度资助计划，为单亲、特困和失业妈妈群体提供了大量的就业和创业培训机会，项目顺利入围中国慈展会社会企业认证。
Neo Capital along with its subsidiaries have hosted a series of charity programs across China, such as “Mamahenniu”, Rural Business School, “Rainbow Pencils 1+1” School Aids, etc. They not only invited Director ZHOU Hao to make a charity film about migrant worker parents, but also worked together with the Neo Online Spokesperson DONG Chengpeng and the former national basketball player WANG Shipeng in charity programs such as“Baobeihenniu”. The programs were extensively covered in the society. “Mamahenniu”, annual subsidy program co-organized with the Women's Federation, has offered many employment and training opportunities to single, impoverished or unemployed mothers. For its great success, the program has been included in the awarding list of the China Charity Fair.
13致力于提升民智及开展投资者教育
(XIII) Neo Capital spares no efforts to keep investors developed.
金融市场变得越来越复杂和多元，这对投资者的投资水平提出了新的挑战，小牛资本在业务建设之余，不忘提升民智，推动金融环境良性发展。2015年，小牛资本相继在北京、上海、广州、深圳举办了顶级的金融峰会，邀请国内顶级经济学家和企业家为投资者理清投资方向。除了举办峰会，还牵手北大、清华等学术机构，共同研究金融发展与金融监管的相关课题，引导投资者理性参与金融投资市场。
The financial market is becoming more and more complex and diversified, which surely poses new challenges to the market judgments by investors. While growing its business, Neo Capital puts great emphasis on education in an effort to create a sound financial environment. In 2015, it invited well-known economists and entrepreneurs to share their ideas about the directions of investments with investors in Beijing, Shanghai, Guangzhou and Shenzhen. Moreover, it worked together with academic institutions from Peking University and Tsinghua University on the study of financial development and regulation with the hope of guiding investors to participate in the financial market in a rational manner.
14坚持服务实体经济，让所有人感受金融的平等美好
(XIV) Neo Capital is committed to serving the real economy and bringing the equity and beauty of finance to everyone.
在小牛眼里，好的金融会让诚实穷人改善境遇，会使骗子遵守规矩，会为踏实的弱势企业提供机会，会让人人爱惜羽毛、积累社会资本，小牛资本将继续致力于构造善意社会价值链，让所有人都感受金融的平等和美好。
Good finance will enable the honest people living in poverty to improve their life, while forcing the dishonest to observe rules. The disadvantaged would be given employment opportunities and everyone would learn to cherish their reputation and accumulate their social capital. Neo Capital will persistently commit itself to establishing a social value chain based on kindness, so that everyone can enjoy the equity and beauty brought by finance.
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