牵手融e邦，资本运作很简单。来自北京的有家有保(北京)科技有限公司的实质控股股东 U-BX Technology Ltd. (以下简称：有家保险)正式在美国证监会(SEC)提交更新后的招股书，拟在美国纳斯达克上市，其股票代码为 UBXG 。其于2021年10月29日在SEC秘密递表，又于2022年1月28日公开披露招股书。有家保险，拟以每股5美元发行500万股普通股，募资2,500万美元。

招股书地址：

https://www.sec.gov/Archives/edgar/data/1888525/000121390023022758/ff12023a11_ubxtechnologyltd.htm#T999991

公司历史和结构：

U-BX是一家控股公司，没有自己的业务。我们主要通过中国经营实体在中国开展业务。本招股说明书中发行的普通股是U-BX的普通股。下图显示了截至本招股说明书日期，我们的公司结构，包括我们的主要子公司和合并附属实体：

主营业务：

通过中国经营实体，我们的业务主要包括提供以下三项服务/产品：i）数字推广服务，ii）风险评估服务，以及iii）增值捆绑福利。我们帮助我们的机构客户在各种社交媒体平台上获得知名度，并根据消费者的点击量、浏览量或客户通过这些渠道的推广时间来创造收入。我们还开发了一种独特的算法，并将其命名为“魔镜”，用于计算保险公司承保汽车保险的赔付风险。利用我们专有的算法模型，我们能够根据车辆品牌、型号、旅行区域和车龄生成个性化的风险报告。反过来，我们能够根据我们提供给保险公司的评估报告数量产生收入。最后，为了帮助主要的保险公司或经纪人吸引他们的客户，我们向这些保险公司出售捆绑福利，包括洗车、维护计划或停车通知，然后他们可以以低成本或无成本的方式将这些福利传递给客户。

除了为机构客户提供服务外，我们还通过嵌入其他社交媒体平台的迷你应用程序向个人消费者提供最新的保险相关信息。提供这些信息是为了教育消费者和保险经纪人了解保险业，从而帮助我们在公众中建立更强大的品牌形象。

目前，我们的客户群包括全国300多家市级财产和汽车保险运营商，以及每天使用我们的产品和服务开展业务的约20万名保险经纪人。我们的一些客户包括中国人民保险公司、大佳财产保险有限公司、有限公司、中国太平洋财产保险有限责任公司、有限公司、中国人寿财产保险股份有限公司、有限公司、永成财产保险有限公司、有限公司、华泰保险经纪有限公司等大型公司。随着保险业的未来数字化，我们希望在整个保险行业拥有更广泛的影响力，因为我们的业务重点是为有兴趣在运营中应用人工智能技术和在线流量推广方法的保险运营商提供保险技术解决方案。我们相信，未来保险业的数字化将使保险运营商对使用我们提供的技术和推广渠道产生更多兴趣。

运营结果：截至2022年和2021 12月31日的六个月下表列出了我们在以美元表示的期间的经营成果以及占我们收入的百分比：

主要管理：

下表列出了截至本招股说明书发布之日有关我们董事和执行官的信息：

Mingfei Liu, Chief Operating Officer

Mingfei Liu has been our Chief Operating Officer since June 30, 2021, prior to which he was a chief officer in Guomei Finance since October 2018. From May 2017 to July 2018, he was the general manager of Zhonghe Ande Insurance Brokerage Company. From July 2011 to May 2017, he was the general manager of technology department of Fanhua Bocheng Insurance Brokerage Co., Ltd. He oversees the Company’s daily operations at a company-wide level and makes periodic business development plans based on the Company’s strategy. Mr. Liu is also responsible for overseeing the execution of the company strategy and business plan and coming up with solutions for issues spotted. Mr. Liu holds a Bachelor’s degree from Tsinghua University and a Master’s degree in Finance from the Chinese Academy of Social Sciences.

Jian Chen, Chief Executive Officer, Director

Jian Chen is the founder of the Company and has been our Chief Executive Officer since June 30, 2021. He was the founder and Chief Product Officer of Youbaolian from 2016 to 2018. Prior to that, he was the department head of client services department at Autohome Inc. from 2015 to 2016. Mr. Chen had held a variety of management positions at various travel agent companies in his career since 2010. Mr. Chen is in charge of setting business strategy for the Company and overseeing the firmwide operations within the Company. He is also supervising the financial situation of the Company on a regular basis. Mr. Chen holds a Bachelor’s degree in Computer Science from Wuhan Technology University and a Master’s degree in Project Management from China Agricultural University.

Xiaoli Zhong, Chief Financial Officer

Xiaoli Zhong has been our Chief Financial Officer since January 22, 2022. She was the financial director at Jia Yi Bing Ding, an automotive aftermarket company based in China. Prior to that, Ms. Zhong was the financial director at Feng Niao Chu Xing, a mobility-as-a-service provider based in China, the financial director at CloudMinds, an operator of cloud-based systems for intelligent robots based in China, and a senior manager of the finance department at Autohome Inc. (NYSE: ATHM), an automotive service platform based in China. Ms. Zhong is familiar with Chinese and U.S. accounting standards and the financial report disclosure process of U.S. listed companies and is experienced in financial accounting, financial analysis, comprehensive budget management, fund management, internal controls, financial system and process, and financial information construction.

Ms. Zhong holds a Bachelor’s degree in accounting at Dongbei University of Finance and Economics in China and holds the Intermediate Accountant qualification in China and Certified Management Accountant (CMA) qualification in the United States.

Enze Liang, Independent Director (Appointee)

Enze Liang is a managing director at Marcum Bernstein & Pinchuk LLP. Mr. Liang is a high-performing financial services and tax professional with extensive experience in diverse industries and consistent commitment to his clients. Mr. Liang provides accounting, auditing and consulting services for public companies with subsidiaries

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