Qudian, Inc. ("Qudian") is a leading technology platform empowering the enhancement of online consumer finance experience in China. Qudian uses big data-enabled technologies, such as artificial intelligence and machine learning, to transform the consumer finance experience in China. With the mission to use technology to make personalized credit accessible, Qudian targets hundreds of millions of young, mobile-active consumers in China who need access to small credit for their discretionary spending but are underserved by traditional financial institutions due to lack of traditional credit data and operational inefficiencies of traditional financial institutions. Qudian believes its data technology capabilities combined with its operating efficiencies allow Qudian to understand its prospective borrowers from different behavioral and transactional perspectives, assess their credit profiles with regard to both their willingness and ability to repay and offer them instantaneous and affordable credit products with customized terms and distinguish Qudian's business and offerings.