Minsheng Bank. Haofenqi is a formal loan platform. Haofenqi is a brand under Youxin Financial Group. Youxin Financial, formerly known as Renren Youxin, was established in 2010 and was approved by the Beijing Haidian District Market Supervision Administration. Users can Perform related operations on the installment APP and complete related business processes, and then lend money at Minsheng Bank. This product is not supported by users under 18 years old and students.