Changyin Consumer Finance refers to Shaanxi Changyin Consumer Finance Company Limited, which is held by Chang'an Bank and jointly initiated and established by Huicong Cheng Leasing Company Limited and Beijing Yide Chenxiang Investment Company Limited*** with the company's headquarter located in Xi'an City, and its business is mainly relying on the resources of its shareholders, commercial retail organizations, self-operated outlets and the Internet and other channels, to provide the consumer finance needs for the low- and middle-income customer groups.

Shaanxi Changyin Consumer Finance Co., Ltd.'s business includes: granting personal consumption loans; accepting deposits from shareholders' domestic subsidiaries and domestic shareholders; borrowing from domestic financial institutions; issuing financial bonds upon approval; domestic interbank lending; consulting and agency business related to consumer finance; agency sales of insurance products related to consumer loans; fixed-income securities investment business; and other businesses approved by the CBRC. Other businesses approved by the CBRC.

Shanxi Changyin Consumer Finance Co., Ltd. is a national non-bank financial institution and the first licensed consumer finance company in Northwest China. It has launched lending products such as Enjoy Loan and Enjoy Flower, among which the application for Enjoy Loan requires the borrower to be 18-55 years old; it is mainly targeted at the clientele with provident fund, mortgaged house and high education.

Users must return the loan on time after applying for the loan at Changyin Consumer Finance and must not be overdue, because overdue will incur a penalty interest, and the longer the time, the more the penalty interest. The more time it takes, the more penalties it will incur. Moreover, the late record will be uploaded to the credit center, resulting in the personal credit become bad, and the subsequent subsequent various loans, and the platform will be called after the late.