Kouzi loan is a short-term non-bank micro-loan with high interest rate. Kouzi loan is a kind of high-interest, short-term non-bank microfinance, which is usually provided by mobile APP or online platform. Kouzi Loan originated from the Internet finance industry in China and was named after Pocket Finance, one of the well-known companies. This kind of loan usually has low requirements for the lender's credit and repayment ability, simple procedures, fast loan, but high interest rate. Kouzi loan is often considered as a "high-risk, high-yield" lending method in the market.