Jinshang Consumer Finance was established on 20 16. Jinshang Bank is the largest shareholder of the company, holding 40%, Qi Feixiang Art (Beijing) Software Co., Ltd. holding 25%, and Tianjin Yuxin Yicheng Technology Co., Ltd. (Yuxin Technology, 300674. SZ) and Shanxi Huayu Commercial Development Co., Ltd. hold 8%, and Shanxi Meitehao Chain Supermarket Co., Ltd. holds 7%.

Behind the frequent lightning strikes, it reflects that the internal risk prevention and control ability of Shanxi merchants' consumer finance is seriously insufficient, and there is a big deviation in their understanding of the risks of partners and the underlying assets of consumer finance. This year's appointment storm of the chairman of Shanxi merchants' consumer finance also proves from the side that the business ability of Shanxi merchants to eliminate gold is really not optimistic. On June 25th this year, Li Wenli, the chairman nominated by Jinshang Consumer Finance, was rejected by the supervision because he failed the qualification examination. It was not until June 8th, 10 that the Banking Insurance Regulatory Bureau of Shanxi Province approved the director and chairman of Zhao Jiquan Jinshang Consumer Finance Co., Ltd..

As regular troops of licensed exhibition industry, banks and consumer finance companies have expanded blindly and irresponsibly in the tide of consumer finance, and their destructive consequences have not been fully revealed.

This kind of loan still requires the borrower to provide proof of identity, proof of residence and a stable source of income. When applying, the lending institution will check the borrower's credit information and personal flow to see if the borrower has the ability to repay the loan. In the evaluation process, it is still very strict. If the conditions are not met, it is still very difficult to apply successfully.

Qiaorongjinfu is an internet financial information platform focusing on consumer finance in the medical industry. Mainly cooperate with plastic surgery hospitals, stomatological hospitals and ophthalmic hospitals to provide consumer installment loan services.

After the financial collapse of Qiao Rong, the installment payment platform "Yi Zhiqi" APP could not log in or repay, which directly caused the borrower to "overdue". In addition to the extra overdue fee, it will also affect the borrower's credit information, because most of the financial institutions contacted by Joe's financial services are banks and licensed consumer financial institutions. To their dismay, Tai 'an Bank, Jinshang Consumer Finance Company and Ningbo Yinzhou Bank frequently send short messages asking borrowers to repay debts and overdue fees.