Document:

Exhibit 4.31

 

Lease
Agreement

 

Lessor:
Hangzhou Yuhuangshannan Fund Town Management Committee (Party A)

 

Address:
No. 33 Fuxing Road, Shangcheng District, Hangzhou

 

Leasee:
Zhejiang Lixin Holdings Co., Ltd. (Party B), NOW: Zhejiang Lixin Enterprise Management Group Co., Ltd.

 

Address:
Room 401-410, No. 88-1, Marshal Temple Rear, Shangcheng District, Hangzhou

 

Article
1 Property 

 

The
rental property is located in Room 401-410, No. 88-1, Marshal Temple Rear, Shangcheng District, Hangzhou, with a construction
area of 635 square meters .

 

1.1
Party B understands the state of the property rented from Party A and is willing to assume all the obligations stipulated in the
contract.

 

Article
2 Contract Basis

 

2.1
Within 60 business days from the effective date of the contract, Party B registers its address as in the one in the contract and
settles the related tax payment in Shangcheng District, Hangzhou.

 

2.2
During the contract period, any company established in Hangzhou that is controlled by Party B must also be registered at the contract
address, and taxation matters should be settled in Shangcheng District, Hangzhou.

 

2.3
If Party B fails to perform the above treaty as agreed, Party A has the right to unilaterally terminate this contract.

 

Article
3 The Rental Purposes

 

3.1
Party B leases the above property for office use only.

 

3.2
During the lease period, Party B’s main industry must conform to Party A’s unified planning and positioning. If the
industry content is changed, Party A’s consent must be obtained.

 

3.3
Party B is engaged in legal business activities.

 

     

     

    

 

Article 4 Lease Term

 

4.1
The lease term is 6 years, and the contract lease period is from July 6, 2018 to July 5, 2023.

 

4.2
Party A gives Party B a 60-day rent-free period for the purpose of interior decoration. The decoration rent-free period is from
July 6, 2018 to September 4, 2018. During this period, there is no need to pay rent by Party B, but it still needs to bear property
management fees and government taxes and other fee.

 

4.3
Upon expiration of the lease term, Party B shall have the priority to renew the lease under the same terms.

 

Article
5 Property Rent, Security Deposit, Payment Method

 

5.1
Property rent

 

5.1.1
The rent of the property in the first contract year is: the unit price of the construction area is RMB 3 yuan / day / square meter,
The first year contract deducts 60 days of rent-free decoration period, and actually pays 305 days of rent.

 

5.1.2
From the second contract year (including the second and the same year), the annual rent unit price (building area and courtyard
terrace area) will increase by 5% on the basis of the previous year until the end of the contract.

 

5.1.3
During the lease period, the rent is paid every six months. Party B shall pay the first rent within ten days after the contract
becomes effective.

 

5.1.4
If Party B fails to pay the property rent, property fees and utilities, it shall pay a late fee to Party A at a rate of 3% of
the fee payable each day. Party A has the right to take back the property and unilaterally terminate the contract 15 days after
Party B fails to pay the rent and property fees.

 

5.2
Security Deposit

 

5.2.1
Within 5 days after the signing of the contract, Party B shall pay Party A a deposit of RMB 100,000.

 

5.2.2
If Party B fails to pay the contract deposit as agreed, Party A has the right to terminate the contract unilaterally.

 

    2

     

    

 

5.2.3
During the lease period, if Party B commits a breach of contract, Party A has the right to directly deduct such loss occurred
from Party B’s deposit.

 

5.2.4
Party A must refund the remaining rental deposit when the contract is over and Party B returns the rental property to Party A.

 

5.3
Other expenses

 

5.3.1
Party B shall bear various operating expenses on its own.

 

5.3.2
Party B shall obey the management of Party A or the property management company designated by Party A.

 

5.3.3
Property management fee tentatively is 3.5 yuan / month / square meter.

 

5.3.4
Water, electricity and other expenses shall be borne according to the actual use.

 

5.3.5
With the consent of Party A, after Party B and the property management company designated by Party A separately sign a property
management contract, the related costs will be executed according to the property management contract of both parties.

 

5.4
Payment method

 

5.4.1
Party B shall pay the contract deposit, rent and property management fee by bank transfer or by mailing a check.

 

Account
name: Hangzhou Yuhuangshannan Fund Town Management Committee

Bank of Account: China Minsheng Bank Hangzhou Binjiang Sub-branch

Account number: 698693850

 

Article
6 Property Use Requirements And Maintenance Responsibilities

 

6.1
Party B shall be responsible for daily maintenance and repair of the property and auxiliary equipment leased.

 

6.2
If Party B wants to add equipment and expand power line, etc., it must obtain the consent from Party A.

 

6.3
During the lease period, if any improper use or other reasons by Party B results in damage or malfunction of the property or equipment,
Party B shall be responsible for such cost.

 

    3

     

    

 

6.4
Party B is responsible for the internal decoration while the overall structure must not be damaged during the decoration.

 

6.5
Party B shall not build temporary buildings outside the property.

 

6.6
Party A has the right to temporarily halt use of the property or facilities due to its own needs of maintenance and inspection,
but Party B shall be notified in writing in advance, and Party B shall cooperate.

 

6.7
During the lease period, Party B shall comply with fire safety and other tasks in accordance with the regulations of the relevant
departments.

 

Article
7 Sublet And Lease Renewal

 

7.1
During the lease period, Party B shall not sublet.

 

7.2
After the lease term expires, Party A has the right to take back the leased property unconditionally.

 

7.3
If Party B does not make a request for renewal, it shall be deemed that Party B has given up the lease renewal.

 

Article
8 Return of Leased Property

 

8.1
Exchange date and scope of use

 

8.1.1
Party B should return the property at the end of the lease period.

 

8.1.2
Except for the expiration of the lease term and normal termination, if Party A or Party B unilaterally terminates the contract,
Party B shall return the leased property within 10 days from the date of early termination or termination of the contract.

 

8.1.3
If Party B has applied for an industrial and commercial business license with the leased property as its residence, it must remove
the business license and pay the industrial and commercial management fees during this period.

 

8.2
Return of the facilities and equipment.

 

8.2.1
After the contract expires, Party B can take away the additional equipment. The non-removable equipment belongs to Party A free
of charge.

 

8.2.2
Party B shall bear all costs that cannot be restored.

 

    4

     

    

 

8.3
Consequences of late return

 

8.3.1
If the property is not returned within 10 days after the due date, Party A has the right to take measures to recover the property.

 

8.3.2
If Party B returns the leased property after the due date, in addition to paying the rent according to the contract standard,
Party B shall also pay the occupation fee at twice the basic rent.

 

Article
9 Modification, Cancellation And Termination Of Contracts

 

9.1
During the lease period, if the terms of the contract need to be changed, both parties shall negotiate and sign in writing.

 

9.2
If the contract cannot be performed due to force majeure, both parties shall not be liable for breach of contract caused by such
force majeure.

 

9.3
If the contract is terminated early due to a national policy, both parties shall not be liable for breach of contract.

 

Article
10 Application of law

 

If
the negotiation fails, parties will submit such dispute to the People’s Court.

 

Article
11 Others

 

11.1
Documents mailed to the contract address by Party A shall be deemed to be served within three days from the date of mailing.

 

11.2
The unfinished matters will be negotiated separately by both parties.

 

11.3
The contract becomes effective after being sealed. Six copies of the same contract for Party A to hold four copies and Party B
to hold two copies.

 

	Party
    A: Hangzhou Yuhuangshannan Fund Town Management Committee
	Legal
    representative: 
	Authorized
    agent:
	Date:
    2018.07.03
	 

	Party
    B: Zhejiang Lixin Holdings Co., Ltd. NOW: Zhejiang Lixin Enterprise Management Group Co., Ltd.
	Legal
    representative: Zhu Jialin
	Authorized
    agent:
	Date:

 

 

5Exhibit 4.32

 

Lease
Agreement

 

Lessor:
Zhejiang Fengfan Electrical Accessories Co., Ltd. (Party A)

 

Leasee:
Zhejiang Jingyuxin Financing Guarantee Co., Ltd.(Party B)

 

Article
1 Property

 

Party A’s office building: 48th floor of Baiguan Square, Baiguan Street, Shangyu District, Shaoxing City, with an area
of 1,700 square meters.

 

Article
2 Purposes Of Lease

 

1.
Party B rents the property for use as its business office, business marketing and supporting property. Without the written consent
from Party A, Party B may not change the purpose and cannot use the leased property to engage in violation activities.

 

2.
Without the written consent from Party A, Party B cannot sublet to a third party

 

3.
If Party B changes the purpose of the property or sublet it to a third party without authorization, Party A has the right to terminate
the agreement in advance.

 

Article
3 Lease Term

 

The lease term is from May 1, 2020 to April 30, 2022.

 

Article
4 Lease Fees And Payment Methods

 

1.
Rental cost: 880,000 yuan / year (including tax).

2. Lease term: After the agreement is signed, it will be paid every six months. The first payment: before April 20, the payment
of rent including tax is 440,000 yuan, before 2020.10.20, the payment of rent including tax is 440,000 yuan.

 

Article
5 Other Expenses During The Lease

 

1.
Party B shall bear all operating expenses.

 

2.
Other expenses such as property management fees for leased property, maintenance and repair costs for shared areas, and public
utilities for hydropower, etc., shall be borne by Party B by area.

 

3.
The maintenance fee shall be borne by Party B.

 

4.
Party B shall bear all taxes arising from renting property.

 

Article
6 Property Delivery And Acceptance

 

The
rental area is a finely decorated.

 

     

     

    

 

Article
7 Repair of Leased Property

 

Without
the consent from Party A, Party B shall not destroy/alter the decorated parts and the property structure.

 

Article
8 Return of Leased Property

 

Party
B returns the leased property at the end of the lease period or midway and Party B should move out within ten days.

 

The
internal and external walls, ground, doors and windows of the rental property shall be owned by Party A, and shall be returned
to Party A along with the rental property.

 

Article
9 Maintenance And Insurance of Leased Property

 

1.
During the use process, Party B bears the responsibility and cost for the maintenance of the property except the original main
structure.

 

2.
Party B shall bear the fire insurance obligation for the property of the leased property.

 

Article
10 Liability For Breach Of Contract

 

1.
If Party B is late for fees and payments and utility bill, it shall bear all cost and penalty fee; Party A has the right to cut
off all utilities if payment is delayed and Party B shall bear all costs occurred.

 

2.
Party B shall return all leased property when the contract is due and will bear all penalty fee if any failure of such return.

 

3.
Any earlier termination of the contract due to default by Party B or termination by Party B will results in Party A’s confiscation
of all immovable decorations on the property.

 

4.
Party A has the right to terminate the contract or to end utilities supply due to default by Party B and Party B shall bear any
cost occurred by its such default.

 

    2

     

    

 

Article
11 Special Agreement

 

1.
If the contract cannot be performed due to any force majeure, Party A will refund Party B’s deposit and unexpired rent.

3. During the lease term, if Party B fails to continue maintaining the business due to objective reasons, it can terminate the
contract by written notice three months in advance.

 

Article
12Resolution of Disputes

 

If
the friendly negotiation or mediation between the two parties fails, either party may file a lawsuit in the People’s Court
where the rental property is located.

 

Article
13Contract Entry Into Force And Change

 

1.
The contract shall become effective from the date that both parties seal or sign.

2. Matters not covered in this contract can be changed or supplemented through mutual agreement which, after the signature and
seal of both parties, shall have the same legal effect.

3. This contract is made in duplicate and each party holds one copy, which has the same legal effect.

 

 

	Party
    A: Zhejiang Fengfan Electrical Accessories Co., Ltd.
	Legal
    representative: Zhu Jialin
	Tel:
	Date:
        2020.04.07

        

	 
	Party
    B: Zhejiang Jingyuxin Financing Guarantee Co., Ltd.
	Legal
    representative or Authorized representative: 
	Tel:
	Date:
    2020.04.07

 

 

3

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00310-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00310-of-00352.parquet"}]]