Powered by advanced financial technology, Dianrong offers individuals and small and medium-sized enterprises a comprehensive, one-stop financial platform supported by industry-leading technology, compliance and transparency. The company’s sophisticated and flexible infrastructure enables it to design and customize lending and borrowing products and services, based on industry-specific data and insights, all supported by online risk-management and operation tools. Dianrong’s specific offerings include loan originations, investment products and marketplace lending solutions.


Dianrong’s platform is fully integrated with various third-party payment systems, which enables rapid Internet and mobile-based payment methods that greatly increase the efficiency of transactions.

Asset Security

Dianrong’s reserve fund protects lenders in case of borrower defaults or late payments. At the forefront of fintech innovation, the company’s commitment to diversification keep overall risks to a minimum and investments are automatically spread over thousands of assets. Keep in mind that Dianrong is an information aggregator and transactional platform, the company does not participate directly in the lending process, nor does it share the default risk presented by borrowers.

Account Privacy

With millions of registered users (both borrowers and lenders), Dianrong guarantees privacy and safety for every account in its database.

  • Full Encryption: Secure HTTPS for front-end and back-end communication and encrypted storage of sensitive user information.
  • System Separation: Separation of Intranet and extranet.
  • Security Testing: Key interface monitoring and intrusion-detection.


In June 2014, Dianrong released Tuan Tuan Zhuan (TTZ), the company’s advanced proprietary group investing technology. TTZ is capable of allocating capital across hundreds of thousands of assets in real time. Once activated, the TTZ technology analyzes the lender’s investment experience, risk appetite, expected returns and other key metrics. It then matches the lender in real time with hundreds of thousands of potential borrowers, thus diversifying the lender’s capital. TTZ also enables Dianrong to diversify investment products across different rates and loan tenures. To date, Dianrong has allocated more than RMB 33 billion from 3.9 million retail investors. What is the Dianrong TTZ advantage?

  • Diversification of loan items reduces the influence of one default loan to the whole investment portfolio
  • Daily interest payment allows consumers to track earned interest every day
  • Automatic reinvestment of interest that makes full use of invested money
  • No lock-up period for investments


Dianrong leverages its marketplace lending technology and stringent risk management protocols to issue loans to individuals and small and medium-sized enterprises (SMEs). The company creates customized lending products that cater to borrowers’ specific needs, based on their industry, purpose and desired schedule. These peer-to-peer borrowing innovations enable Dianrong to keep customer acquisition costs and default rates low and deliver predictive analytics with a high degree of accuracy. Dianrong can then service a wide range of people and SMEs, while offering lending products and services best suited to their unique profile.

Quick Approval Submit and approve all documents
online within 24 hours.
Easy Repayment Monthly repayments via
your mobile phone
Customization Always find a product that
meets your need
Information Security Keeps the entire process
private and secure

Personal Loans

Dianrong develops personal loans based on individual needs and preferences. By categorizing and tailoring products based on need, the company helps ensure terms and conditions, including interest-rate fluctuations, remain reasonable and appropriate based on the borrower’s specific situation.

  • Social Insurance Loans are available to people who pay social insurance or make housing fund contributions every month.
  • Professional Loans offer resources to professionals in a variety of enterprises, institutions and industries.
  • Home Owner Loans provide people with money for a wide range of everyday needs, including home furnishings, household appliances, or even a new or used car.
  • Life Insurance Loans are available to people who hold life insurance policies.
  • Speedy Loans help people who need cash fast. By completing the online application and authorizing third-party credit evaluation, money can be issued in as little as ten minutes and be repaid any time.
  • Collateralized Loans enable property owners to leverage their existing mortgage in order to access funds.

Commercial Loans

Dianrong helps small businesses obtain the resources they need to grow and compete. Products are arranged by industry to reflect varying cashflow and management needs.

  • Food Enterprise Loans cater to the needs of restaurants, supermarkets, big grocery stores and other food-related suppliers. Dianrong understands that these suppliers have significant daily cashflows that need to be managed effectively. Dianrong’s popular commercial loans offer options such as automatic daily repayment through point-of-sale machines, with no collateral required.
  • Hotel Loans enable hotel operators to expand their business and make renovations or capital improvements. With fast approval and high loan amounts available, Dianrong can issue the loan in one day and hotels can make weekly repayments.
  • Small and Medium-Sized Enterprise Loans help SMEs manage their cashflow and business growth. The approval process is slightly longer than Food Enterprise and Hotel loans, but is still fast (about three days) compared to traditional lending channels.
  • Corporate Mortgage Loans allow businesses to leverage company property to secure additional funds. Because there is collateral, the interest rate is lower than other commercial loans.

Consumer Finance

Dianrong provides consumers with money for important personal expenses, like dental care, while reducing the total loan default by spreading the risk over millions of lenders.

  • Dental Financing is Dianrong’s first consumer finance offering. In cooperation with Malo Dental, Dianrong’s dental financing package allows consumers to pay an affordable amount of money per month (the maximum term of loan is 18 months) instead of a one-time, large expense. The interest rate for consumer finance is relatively low compared to other loan products. In certain repayment periods, there is even a zero-interest rate.

Banking Solutions

Dianrong’s banking solutions is the leading infrastructure-as-a-service (IaaS) provider to banks and corporations in China and around the world. Based on the same technology that drives our marketplace lending platform, our solutions are fully modularized and customizable for our clients.

Spanning lender and borrower acquisition payments, big data risk control and blockchain, our offerings update the legacy infrastructure of client firms and help them provide best-in-class financial services to the end customer. At the same time, our advanced security technology is fully compliant with the highest security standards, protecting against various attacks.

Our dedicated engineering team and compelling service enable us to deliver live systems in as little as 2 months. We have already executed complete lending solutions for the Bank of Suzhou and Hanhwa Life Insurance in Korea, with more joint projects still to come.

  • Lender Acquisition
  • Online Payment E-wallet
  • CRM
  • Market Place
  • Data Warehouse
  • Borrower Acquisition
  • Big Data Risk Control
  • Credit Review Collection
  • Blockchain


Dianrong’s blockchain technology is based on Ethereum with smart contract capabilities, allowing for a multitude of applications under private or consortium chain settings. Applications of Dianrong’s blockchain technology include electronic contacts, charity and credit management. Partners from different industries are welcome to join Dianrong’s blockchain ecosystem.