Exhibit
4.168


 


Loan
Agreement


 


This
Agreement is concluded and signed on April 20, 2017 in Beijing China by and among:


 


Lender:
Fortune Software (Beijing) Co., Ltd.


 


Registered
address: Suite 07, 7/F, Building 2, 26, 28 and 30 Xuanwumenwai Street, Xicheng District, Beijing


 


Borrower
A: Xiaoqiao Sun


 


Address:
17/F, Building A, Fuzhuo Tower, 28 Xuanwumenwai Street, Xicheng District, Beijing


 


ID
card No.: 110102197910172334


 


Borrower
B: Si Wang


 


Address:
17/F, Building A, Fuzhuo Tower, 28 Xuanwumenwai Street, Xicheng District, Beijing


 


ID
card No.: 110111199009048627


 


(Borrower
A and Borrower B are hereinafter referred to as the “Borrowers”)


 


Whereas:


 


(1)
The Borrowers intend to acquire Shenzhen Ganlanren Investment & Management Co., Ltd. (hereinafter referred to as the “Company”),
the registered capital of which is RMB 10,000,000 Yuan; Borrower A intends to hold 90% shares of such Company and Borrower B intends
to hold 10% shares of such Company;


 


(2)
The Borrowers wish to get a loan from the Lender to be used in the capital contribution to the Company;


 


(3)
The Lender agrees to provide the aforesaid loan to the Borrowers.


 


The
Parties, in the principles of sincere cooperation, equality & mutual benefit and joint development, make and enter into an
agreement as follows through friendly consultation:


 


Article
1 Loan


 


1.1
The Lender agrees to provide loans to the Borrowers in the following amount: the Lender provides a loan of RMB 6,3624.123 to Borrower
A and a loan of RMB 7,069.347 to Borrower B.


 






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1.2
The term of the afore-said loans provided by the Lender to the Borrowers is 10 years. Such term may be extended upon a consensus
reached by the Parties through consultation.


 


1.3
Notwithstanding the foregoing, under the following circumstances, the Borrowers shall repay the loans hereunder to the Lender,
whether this Agreement has expired or not:


 


(1)
The Borrowers lose the capacity for civil conducts or are restricted in the capacity for civil conducts;


 


(2)
The Borrowers violate the criminal law or are involved in a criminal offence; or


 


(3)
The Borrowers or the persons designated thereby may lawfully purchase the equities of the Company and the Lender makes the aforesaid
requirements.


 


1.4
After the satisfaction of all preconditions set forth in Article 2, the Lender shall, within 7 days after receiving the written
loan-granting request given by the Borrowers, remit the aforesaid loans to the bank accounts designated by the Borrowers. The
Borrowers shall send a written confirmation on receipt of the loans to the Lender within one day after receiving the aforesaid
loans.


 


1.5
The Borrowers can only use the above loans to subscribe for the registered capital of the Company. Without the consent of the
Lender, the Borrowers may not use the aforesaid loans for other purposes or pledge to a third person any rights and interests
obtained thereby in the Company by using the loans.


 


1.6
The only method for the repayment of the aforesaid loans by the Borrowers is, when permitted by laws of China, to transfer to
the Lender or the person designated thereby all equities obtained thereby in the Company by using the above-said loans.


 


1.7
The Lender and the Borrowers hereby agree and confirm that, when permitted by laws of China, the Lender has the right but assumes
no obligation to purchase or arrange the person designated thereby to purchase from the Borrowers, at the price equal to the amount
of the loans, all the equities obtained by the Borrowers in the Company by using the above-said loans. If the Lender or the person
designated thereby only purchases part of the above-said equities, correspondingly the price shall be adjusted proportionately.


 


1.8
When the Borrowers transfer to the Lender or the person designated thereby the equities obtained thereby in the Company by using
the aforesaid loans, (1) if the actual transfer price is not higher than the amount of loans hereunder, the loans hereunder shall
be deemed interest-free; (2) if the actual transfer price is higher than the amount of the loans hereunder, the loans hereunder
shall be deemed interest-bearing, and the part in excess shall be deemed as interest on the loans hereunder.


 






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Article
2 Conditions Precedent


 


Only
if all the following conditions precedent is satisfied will the Lender issue the loans to the Borrowers:


 


2.1
According to the provisions of Article 1.4 hereof, the Lender has received the loan-granting request sent by the Borrowers.


 


2.2
The Borrowers and the Lender have signed the equity pledge contract satisfactory to the Lender.


 


2.3
The Borrowers and the Lender have signed the right of first refusal & cooperation agreement satisfactory to the Lender.


 


2.4
The aforesaid equity pledge contract and right of first refusal & cooperation agreement have taken effect and remain effective,
the parties to the contract or agreement have not materially breached any term and condition of the above-said contract or agreement,
and all government approvals, consents, authorizations and registrations required by such contract or agreement have been obtained
or completed.


 


2.5
The representations and warranties in Article 3 hereof remain true and accurate on the date when the Lender receives the loan-granting
request and on the date of loan issuance.


 


2.6
The Borrowers have not materially breached any term and condition hereof.


 


Article
3 Representations and Warranties


 


3.1
The Lender hereby represents and warrants to the Borrowers as follows:


 


(1)
The Lender is a Company duly organized and validly existing under the laws of the People’s Republic of China;


 


(2)
The Lender has all necessary rights, powers and authorities to execute this Agreement and to perform all obligations and responsibilities
hereunder;


 


(3)
The execution or performance hereof does not contravene any significant contract or agreement to which such Party is a party,
nor breaches any significant contract or agreement binding on the Lender or its assets.


 


(4)
This Agreement will constitute legal, effective and binding obligations on the Lender, and such obligations may be enforced after
the signature hereof.


 


3.2
The Borrowers hereby represent and warrant to the Lender as follows:


 


(1)
The Borrowers have all necessary rights, powers and authorities to execute this Agreement and to perform all obligations and responsibilities
hereunder;


 


(2)
The execution or performance hereof does not contravene any significant contract or agreement to which such Party is a party,
nor breaches any significant contract or agreement binding on the Borrowers or their assets.


 


(3)
This Agreement will constitute legal, effective and binding obligations on the Borrowers, and such obligations may be enforced
after the signature hereof.


 


(4)
No judicial proceedings or administrative proceedings against the Borrowers exist.


 






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Article
4 Confidentiality


 


Without
the prior consent of the Parties, any Party shall maintain the confidentiality of the contents hereof and may not disclose the
contents of this Agreement to any other persons or publish such contents, provided that the provisions of this Article will not
prohibit (i) any disclosure made pursuant to related laws or the rules of any stock exchange; (ii) any disclosed information that
is publicly available, which is not caused by the default of the disclosing party; (iii) any disclosure made by one Party to its
shareholders, legal counsels, accountants, financial advisers, or other professional advisers; or (iv) disclosure made to the
potential buyers or other investors of the equities/assets of one Party or of the shareholders thereof or to the providers of
debt or equity financing, provided that the receiving party shall make appropriate confidentiality undertakings (where the transferring
party is not the Lender, the consent of the Lender shall be obtained).


 


Article
5 Governing Law and Liabilities for Breach of Contract


 


5.1
The formation, validity, interpretation, and performance of this Agreement and the Dispute Resolution in connection herewith shall
be governed by the laws of the People’s Republic of China.


 


5.2
If any Party hereto breaches the provisions hereof and leads to a failure to fully perform this Agreement, or makes any material
concealment or omission of fact, or makes any false representations and warranties herein, or fails to perform the warranties
made thereby, such Party shall constitute breach of contract, and shall assume corresponding liabilities for breach of contract
under law.


 


Article
6 Dispute Resolution


 


6.1
Any dispute arising out of the performance hereof shall be resolved through friendly consultation by the disputing Parties; should
the consultation fail, the Parties may institute arbitration proceedings;


 


6.2
The dispute shall be submitted to China International Economic and Trade Arbitration Commission Beijing Arbitration Center to
be arbitrated in Beijing according to its then effective arbitration procedures.


 


6.3
The award of the arbitration commission shall be final and binding on the Parties hereto. The arbitration cost (including but
not limited to the arbitration fee and attorney’s fee) shall be borne by the losing party, unless otherwise provided for
in the arbitration award.


 


Article
7 Miscellaneous


 


7.1
This Agreement shall come into effect immediately after being signed by the Parties.


 


7.2
The Parties shall faithfully perform this Agreement after it takes effect and any amendment made hereto shall be invalid unless
made in writing by the Parties after reaching a consensus through consultation.


 


7.3
The original of this Agreement is made in triplicate, with each Party holding one copy.


 


[It
is intentionally left blank below for signature]


 






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page is intentionally left blank for signature]


 


Lender:
Fortune Software (Beijing) Co., Ltd.


 


Official
seal:


 


Authorized
representative (signature):


 


Borrower
A: Xiaoqiao Sun


 


(Signature):


 


Borrower
B: Si Wang


 


(Signature):


 


 


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