According to the website of the inquiry letter, Xinxin Finance was established on 20 13. It is a legal financial institution approved by the relevant state departments, with a formal business license and business qualifications, and is strictly supervised by financial regulatory agencies. In addition, as a financial company specializing in microfinance services, Xinxin Financial's loan services are completely legal and compliant, and there is no illegal behavior. Therefore, the credit service loan of WeChat official account is true.

Online lending, mbth is Internetlending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15. From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system.