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editor | yu erhu

produced by | "yu jian column" of chaoqi.com

lack of money is the norm for many young people who are keen on high consumption. therefore, some entrepreneurial projects related to loans are also very easy to make a lot of money.

not long ago, yoc group (hereinafter referred to as "yoc group"), a financial intermediary technology service provider from chengdu, sichuan, submitted a prospectus to the hong kong stock exchange, intending to list in hong kong.

according to the prospectus of youka group, its business process is to first purchase data from various apps and other media platforms, and then attract relevant individuals to submit basic information through precision marketing services, and then integrate the information and match it with corresponding financial intermediary institutions, which acquire customers through bidding.

in short, ucar group commercializes by providing precision marketing services to offline loan intermediaries. however, this approach is frequently questioned by the outside world because of the nature of its business model, which makes it difficult to get rid of the attribute of loan assistance and diversion, as well as the risks of illegal collection and use of personal information.

therefore, its listing application has also attracted the attention of the china securities regulatory commission, which also issued the "supplementary materials requirements for overseas issuance and listing" on july 12, proposing supplementary explanation requirements for the four aspects of ucar group's equity control structure, equity changes, standardized operations and financial business. this also means that its overseas listing plan will face some obstacles.