Ordinary. According to official website's inquiry, Chongqing Xiaoyudian Microfinance Co., Ltd. is a legal lending institution with a network microfinance license and foreign investment background. Relying on the funds of prominent families in China and Hongkong, the company combines a large number of verified mathematical models in European and American markets with local market data, and adopts a data-driven path different from that of most domestic loan companies to operate its financial products.