The “civil rich” brand is part of the han state financial group, a joint financial intermediation chain of services created by three prominent financial companies. The private sector has a registered capital of rmb 150 million, which was the first service centre in the country to engage in private lending intermediaries. The ministry of national commerce has licensed a chain of record, and china's first private lending intermediary is listed. It is also china's largest private lending chain. Private initiatives are financial intermediation services, with two types of clients in demand, one requiring borrowing and the other requiring lending. The private-sector business model is that borrowing clients have to have a physical mortgage to borrow, and then we place physical assets directly under the name of the lending client, with very secure face-to-face transactions, and very high turnover, which is the same as the bank’s pattern of earning money, with public deposits and loans, with banks lending money to people who need to borrow, and banks making middle price differentials。