The institution you are talking about should be a small loan company. Microfinance companies are limited liability companies or joint stock limited companies established by natural persons, corporate legal persons and other social organizations that do not absorb public deposits and operate microfinance business. Compared with banks, microfinance companies are more relaxed in auditing and faster in lending, but the relative interest will be higher. Compared with private lending, microfinance is more standardized, and loan interest can be negotiated by both parties. Suitable for small and medium-sized enterprises, individual industrial and commercial households and individual consumers. Heng Chang Wealth Loan belongs to P2P loan, and the general interest seems to be 7.2%. However, P2P loan is still a relatively new investment field, so we should pay attention to the risk problem.