Exhibit 10.9


 


 


 


 


 


 


 


 


 


 


 


 


STRATEGIC
COOPERATION AGREEMENT


(AGREEMENT
NO.: DXZH-JTPH-001)


 


 


 


 


 


BETWEEN


 


 


 


Party
A: Daxin
Zhuohui Financial Information


Service
(Shanghai) Co., Ltd.


 


AND


 


Party
B: Nanchang Jintou Puhui Information


Service Co., Ltd.


 


 


 


 


 


 


 


 


Dated:
August 28, 2019


Shanghai,
China


 




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Party
A: Daxin Zhuohui Financial Information Service (Shanghai) Co., Ltd.


Legal
representative: GUO Zhiyao


 


Party
B: Nanchang Jintou Puhui Information Service Co., Ltd.


Legal
representative: YANG Fei


 


On
the premise of complying with laws, regulations and financial regulatory requirements, and in accordance with the basic principles
of “compliance with laws and regulations, complementary advantages, mutual benefits, and sharing of risks”, Party
A and Party B hereby enter into this Agreement for mutual covenant to achieve comprehensive cooperation in multiple areas of financial
services.


 


Article
1 Basic Information of the Parties


 


	1.1	Party
                                         A



 


The
Group, to which Party A is subordinated, is a leading comprehensive financial services group headquartered in Shanghai, and its
business covers Shanghai, Shandong, Jiangsu and other places. Since its incorporation in 2015, the Group has established good
cooperation relation with banks, trusts, small loan companies, insurers and other financial institutions. With the financial qualifications
such as third-party payment service, financial lease, commercial factoring, private equity funds, insurance brokerage, etc., and
together with the advanced financial technologies and risk-control methods, the Group, which Party A is subordinated to, now is
committed to providing comprehensive financial services for micro and small clients and high-net-worth individuals and designing
effective financing solutions for clients in need of financing.


 


	1.2	Party
                                         B



 


Party
B is a company initiated and established by Nanchang Financial Investment Group Co., Ltd. (hereinafter referred to as the “Financial
Investment Group”) and has rich experience in risk control and management, marketing and market development, exploration
of funding providers and disposal of non-performing assets (NPA). The company has cooperated with many large loan-facilitation
platforms and also entered into cooperation with licensed financial asset management companies (Jiangxi Financial Asset Management
Co., Ltd., Jiangxi Ruijing Financial Asset Management Co., Ltd.) to develop the business of non-performing asset disposition.
The company provides micro and small business owners and individual clients with professional and comprehensive services through
its own risk-control capabilities and the credit enhancement and risk endorsement formed between the company and financial institutions
(banks and trusts) and clients, plus the provision of financial support (for subsequent handling) and disposition channels for
non-performing assets.


 




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Article
2 Purpose and Principles of Cooperation


 


	2.1	Cooperation
                                         Purpose:



 


Party
A and Party B shall protect the image and reputation of each other and respect each other’s business policies and business
practices in the course of business cooperation. There is no affiliation or subordinate relationship between the Parties, and
neither Party shall interfere with or dispose of the interest of the other Party in any manner.


 


	2.2	Cooperation
                                         Principles:



 


	(1)	Principle
                                         of equality: Both Parties enter into this Agreement and the specific business cooperation
                                         agreement on the premise of willingness and equality, and any cooperation is based on
                                         the sufficient negotiation conducted by and between both Parties on an equal basis;



 


	(2)	Principle
                                         of long-term and stable cooperation: Based on the full trust on each other, Party
                                         A and Party B focus on long-term interest and development, and aim at a long- term cooperation
                                         that is stable and sustainable;



 


	(3)	Principle
                                         of mutual development: Party A and Party B intend to develop cooperation in their
                                         respective advantageous areas, to use their respective advantageous resources for mutual
                                         development and innovation, and to promote the realization of a cross-regional and cross-field
                                         development of both Parties;



 


	(4)	Principle
                                         of good faith: Party A and Party B shall act in good faith, respect and jointly protect
                                         and enhance each other’s brand and reputation, and jointly improve their business
                                         credibility and brand competitiveness; and



 


	(5)	Taking
                                         Shanghai and Jiangxi as the center to form multiregional business network: Party
                                         A and Party B shall, on the basis of compliance with laws and regulations, cooperate
                                         with each other to achieve business development and expansion by utilizing the Parties’
                                         business accumulation and resource advantages respectively in Shanghai and Jiangxi and
                                         relying on Party A’s multi-field financial qualifications and business resources
                                         in Shanghai and its surrounding areas, and in combination with Party B’s good government
                                         relation in Jiangxi and its cooperation relation with Jiangxi Financial Holding Group
                                         Co., Ltd. and the Financial Investment Group.



 






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Article
3 Scope of Cooperation


 


	3.1	Party
                                         and Party B, on basis of their qualifications and advantages in resources, are committed
                                         to enter into in-depth cooperation in multiple areas of financial services:



 


	(1)	Cooperation
                                         in the design and development of house-mortgage loan facilitation products






 


The
design and development of the house-mortgage loan facilitation product will be led by Party A and jointly negotiated by both Parties.
The Parties will cooperate with each other in respect of the risk-control system, the home-visit investigation process, computer
IT system, asset disposal, business process and other aspects, formulate a complete product program, and strive to realize a product
size of RMB 4 to 5 billion in Shanghai and Jiangxi by 2020.


 


The
Parties shall approach and cooperate with the financial institutions in their respective regions (including but not limited to
various Chinese and foreign commercial banks, licensed small loan companies, pawnshops, trusts and other institutional funding
providers) to support house-mortgage financial products.


 


Both
Parties will respectively explore licensed asset management companies (AMC) at provincial level (for disposition of non-performing
assets), and, by considering their respective competitiveness in price, past experience in disposition of non-performing asset,
team integrity, soundness of expertise and other aspects, select the appropriate licensed AMC for cooperation to provide house-mortgage
loan products with multiple options for disposition channels.


 


	(2)	Cooperation
                                         in promotion of financial service products



 


Upon
consultation and mutual agreement, Party A and Party B entrusts each other to provide promotion and distribution service for their
own financial service products (such as the existing loan-facilitation product of Party B).


 


	(3)	Cooperation
                                         in promotion of third-party payment service



 


Upon
consultation and mutual agreement, Party A and Party B shall strengthen their cooperation and communication on the brand promotion,
customer service and survey, product marketing, personnel training and other aspects in connection with the third- party payment
product of Party A’s Group. The Parties’ cooperation and innovation in the offering and sale of prepaid cards and
relevant technologies will be strengthened, the territory and cooperation channel of prepaid card business will be expanded, and
the technology level of the supporting system will be enhanced.


 


	(4)	Support
                                         and cooperation for small loan business in the entire Jiangxi Province



 


Party
A intends to apply for the establishment of a small loan company in Jiangxi Province in the first half of 2020, and Party B will
offer support to Party A in the entire application process for such establishment. Party A and Party B will collaborate with each
other subsequently and enter into in-depth cooperation in the area of small loan service.


 






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	(5)	Cooperation
                                         in disposition of non-performing assets






 


Both
Parties shall, on the basis of their respective regional advantages and advantages in resources, cooperate with local licensed
NPA disposition institutions and provide them with such services as due diligence investigation and assessment on underlying assets,
and will enter into whole-process cooperation in respect of the back-end NPAs. Upon discussion, Party A and Party will fully cooperate
in the whole process of NPA disposition by jointly establishing a NPA disposition fund or asset management company or through
other means.


 


	(6)	Cooperation
                                         in other financial business



 


On
basis of the business qualification for financial lease, commercial factoring, third- party payment and other business owned by
Party A’s group, both Parties shall further carry out business cooperation in financial lease, commercial factoring, third-party
payment and other areas, work together in the design of relevant financial service products, and provide high-quality clients
with efficient and comprehensive financial services and financing resolutions.


 


	3.2	Upon
                                         execution of this Agreement, Party A and Party B will jointly establish a project team
                                         and work group to manage and operate this project and establish long-term and effective
                                         mechanism for the cooperation and coordination. The Parties will, in accordance with
                                         the principle of mutual benefit and interest, support each other, carry out in-depth
                                         cooperation and make joint development in respect of their brand cooperation, promotion
                                         of brand image, business operation and other aspects.



 


	3.3	This
                                         Strategic Cooperation Agreement sets forth the general intention for subsequent conduct
                                         of all specific businesses contemplated in this Agreement, and the specific business
                                         pattern, rights and obligations thereof shall be further agreed by the Parties in a separate
                                         cooperation agreement.



 


Article
4 Term of Cooperation


 


The
term of cooperation under this Agreement shall be [three (3)] years commencing from the effective date hereof. Except for an early
termination of this Agreement, either Party may serve the other Party with a written request for extension of the cooperation
term one month prior to the expiration of the effective term, and additional agreement may be signed upon mutual agreement by
the Parties.


 


Article
5 Confidentiality


 


	5.1	Both
                                         Parties shall duly keep the cooperation information and its related documents, and such
                                         documents shall be kept for a period not less than the minimum period required by the
                                         laws or the common practice in the industry.



 


	5.2	The
                                         Parties undertake that they shall bear strict confidentiality obligations in respect
                                         of the contents of this Agreement, the cooperation matter and its related documents,
                                         materials and trade secrets, and shall not use any document, information or trade secret of
the other Party for any purpose irrelevant to this Agreement without the prior written consent of such Party.









 






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	5.3	Party
                                         A and Party B further agree that: for the purpose of a domestic or overseas IPO, or for
                                         introducing strategic investors, either Party may, within the effective term of this
                                         Agreement, fully disclose the terms of this Agreement and the specific business cooperation
                                         agreements to be concluded hereunder and their supporting documents, directly to necessary
                                         domestic or foreign governmental or regulatory authorities, investment banks, securities
                                         companies, law firms, accounting firms and strategic investors, and such reasonable disclosure
                                         shall not be deemed as a breach of the confidentiality obligation.



 


	5.4	The
                                         confidentiality obligation set forth in this Article shall remain valid for an indefinite
                                         term and will not be invalidated by any termination, rescission or invalidity of this
                                         Agreement.



 


Article
6 Miscellaneous


 


	6.1	This
                                         Agreement shall come into effect upon affixation of the official seal or contract seal
                                         by Party A and Party B. This Agreement is executed in four counterparts, with each Party
                                         holding two counterparts, and all counterparts of this Agreement shall have same legal
                                         effect.



 


	6.2	This
                                         Agreement is a document of intention made before the Parties’ execution of a specific
                                         cooperation agreement and preliminarily confirms the basic objectives and scope of cooperation
                                         between the Parties only. This Agreement is the important basis for the specific business
                                         contracts, and the specific terms and conditions shall be subject to the specific business
                                         cooperation agreement. Anything not covered by this Agreement shall be additionally negotiated
                                         and supplemented by the Parties.



 


	6.3	As
                                         a general strategic document, this Agreement shall also apply to the friendly cooperation
                                         and collaborative development of the parent companies, subsidiaries and other affiliates
                                         within the framework of the respective groups of Party A and Party B.



 


(THE
REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK)


 




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(signature
Page Of the Strategic Cooperation Agreement)


 


 


 


 


 


Party
A:


Daxin
Zhuohui Financial Information Service (Shanghai) Co., Ltd. (seal)


 


 


 


 


 


 


Party
B:


Nanchang
Jintou Puhui Information Service Co., Ltd. (seal)


 


 


 


 


 


 






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