Beijing Heshun Hengtong Technology

Beijing Heshun Hengtong Technology, established in 2016, is a high-tech enterprise focused on the digital transformation of local banking institutions' inclusive finance operations. The company is headquartered in Beijing with a research and development base in Changchun, Jilin. It provides a comprehensive service model that integrates consulting, operations, and technology to support local banks.

The core of its offering is the COTif inclusive finance platform, which delivers a full-process service system covering performance appraisal, marketing, risk management, business operations, and system construction. This enables local banking institutions to achieve goals related to scale growth, non-performing loan control, and business profitability. The company serves as a technology service provider for small and medium-sized financial institutions, offering solutions like IT system hosting, custom software development, and system integration. Its financial cloud platform has been adopted by over 100 local banking institutions across China.

A key investor in the company is Tianyige Technology (stock code: 300872). The legal representative is Wang Chōng. As of early 2025, the company had served institutions involved in over 200 billion yuan in inclusive finance loans, maintaining a cumulative non-performing loan rate below 1%.

Keywords: financial technology, digital transformation, inclusive finance, local banking solutions, risk management, banking operations, financial IT services, FinTech, digital lending platform, banking consulting, asset management, financial cloud services, banking software, Chinese financial institutions, credit risk control, small and medium enterprises finance