IceKredit, Inc. is a fin-tech company that is registered in the Shanghai Free Trade Zone with its headquarter in the Shanghai Lu JiaZui Financial District. This company uses machine learning and other advanced AI technologies to assess the credit level of small businesses and individuals. IceKredit was founded at the beginning of 2015. Upon its inception, the company was funded with several millions of dollars led by internationally renowned venture capitals, such as FreeS Capital, Yun Qi and Wei Lie. Bingjian has excellent machine learning modeling algorithms, and we continue to explore and pursue the application of machine learning and deep learning in the field of financial technology. The current technical reserves in machine learning (referring to the core algorithm code independently developed by our model team) include: Random forest, neural network, support vector machine, single model of decision tree and bagging algorithm of the above single model, Cross validation algorithm for machine learning, Implementation of stacking method of various basic algorithms, Gradient boosting machine algorithm for decision tree, Semi-supervised learning based on SVM, etc