The company name is Beijing Capital Financing Guarantee Co., Ltd., which is a formal company. But the company you contacted was not this company at all, but the imposter Li Gui. There are many scammers online who pretend to be guarantee companies. In the past two years, I have only seen guarantee companies in Beijing issue at least sixty or seventy statements, pointing out that scammers have used their names to commit fraud, and reminding the public to take precautions. The vast majority are related to card or loan fraud.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance