Dianrong.com is a Chinese peer-to-peer lending service. Dianrong integrates the system and management experience of Lending Club with local market conditions. In addition, the company also launched cooperation with state-backed China Orient Asset Management Corp. Most of those who borrow money at Dianrong.com are small businesses or individuals who are in urgent need of funds. Despite their good credit profile, they are often refused by other financial institutions such as banks as a result of various restrictions. Dianrong’s P2P technology enables alignment between individual fund demand and investment opportunities, benefiting both creditors and borrowers while helping borrowers.