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小牛资本管理集团有限公司，是发现和创造资产的实体金融公司，成立于2012年，在北京、上海、深圳、香港设立四大管理中心，业务涉及普惠金融、消费金融、财富管理、投资管理，坚持国际化、智能化、产业化发展，在全国27个省市开设了250多家分支机构。宏观经济下行，资产质量下降。自有资产降低项目风险。 监管趋紧，行业回归理性，核心的资产开发能力将取代粗暴的流量猎取能力、虚假的品牌包装能力，推动行业进入新的竞争时代。小牛资本产品的资金投入年收益率普遍高于传统金融产品，资金运用年利率也具有显著优势。
小牛普惠、小牛分期提供小额分散、优质稳定的资产，小牛在线提供资金匹配，形成线上线下、资金端与资产端的投融闭环。小牛资本专注于用金融科技来降低服务成本、提高风控能力、演化出新的模式公司与国际商业征信机构达成合作，获得了海量有效客户数据，研发了一套精细化的金融风控体系。
小牛资本专注金融与科技的加速融合，通过整合和包装云服务，不断引入外部服务，强化金融基础设施，降低运营成本，为客户提供更为个性化的解决方案。小牛资本通过数据采集、分析、经验模型建立、计算机运算，结合客户画像，包括性别、年龄、地域、收入及行为习惯等，为广大客户设置投资目标，打造专业、理性的投资组合。
英文翻译：Calf Capital Management Group Co., Ltd. is a real financial company that discovers and creates assets. Founded in 2012, it has established four management centers in Beijing, Shanghai, Shenzhen and Hong Kong. Its business covers Inclusive Finance, consumer finance, wealth management and investment management. It adheres to the development of internationalization, intelligence and industrialization. It has opened more than 250 branches in 27 provinces and cities across the country. Macroeconomic downturn, asset quality decline. Own assets reduce project risk. With tighter supervision and rational industry, the core asset development ability will replace the rough flow hunting ability and false brand packaging ability, and promote the industry to enter a new era of competition. The annual return rate of capital investment of calf capital products is generally higher than that of traditional financial products, and the annual interest rate of capital utilization also has significant advantages. Mavericks provide small scattered, high-quality and stable assets by stages, and Mavericks provide capital matching online, forming an online and offline, capital end and asset end investment and financing closed-loop. Calf capital focuses on using financial technology to reduce service costs, improve risk control capabilities, and evolve new models. The company has reached cooperation with international commercial credit agencies, obtained a large number of effective customer data, and developed a refined financial risk control system. Maverick capital focuses on the accelerated integration of Finance and technology. By integrating and packaging cloud services, it constantly introduces external services, strengthens financial infrastructure, reduces operating costs, and provides customers with more personalized solutions. Through data collection, analysis, empirical model building, computer calculation, and customer portrait, including gender, age, region, income and behavior habits, calf capital sets investment objectives for customers and creates a professional and rational portfolio.
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