Consumer finance company is a non-bank financial institution established in People's Republic of China (PRC), which is based on the principle of small amount and dispersion, does not absorb public deposits, and provides loans for consumption to individual residents in China. "Consumer loan" refers to the loan funds issued by consumer finance companies to borrowers for consumption purposes, such as purchasing durable consumer goods, personal and family travel, wedding, education, decoration, etc. , excluding buying a house and a car. However, it should be noted that consumer finance companies are only financial institutions, not loan platforms. At present, there are many consumer finance companies in the market, including China Bank Consumer Finance Company, Yin Bei Consumer Finance Company, Suning Consumer Finance Company, China Post Consumer Finance Company, Zhaolian Consumer Finance Company and Hangyin Consumer Finance Company.