Under the traditional financial framework, it is difficult for individuals who are not included in the central bank's credit information system to obtain financial services from financial institutions such as banks, and the groups covered by Baiqian Finance are these neglected grassroots groups. Baiqian Finance provides services according to the characteristics of farmers, workers and other subgroups. In addition, we provide services for food, clothing, housing, entertainment, education, entrepreneurship and other aspects around the different levels of value needs of sub-groups. Baiqian Finance's service customers mainly include the following three types:

The first category is college students, who are characterized by great demand for 3C products, and Bai Qian launched "Yi Bai Fen" for them;

The second category is young white-collar workers who have just graduated. They are characterized by strong demand, and the matching product is "borrowing money";

The third category is office workers who have worked for a certain number of years. Their characteristic is that their income is relatively stable and they have a certain demand for RV. Therefore, Bai Qian and car home launched a strategic cooperation and launched an online platform "Every family has a good car".