Harbin Consumer Finance Co., Ltd. is a licensed consumer finance company approved by China Banking Regulatory Commission. The company officially opened in April 20 17. In 20 19, Baidu's strategic investment Xiaoman Finance was introduced, and its registered capital increased to1500 million yuan.

Harbin banking consumer finance application conditions: 1. Personal income: Harbin banking consumer finance will know the borrower's income when lending, so as to determine whether the borrower's income can guarantee the loan repayment on time.

2. Current liabilities: If you have a lot of current liabilities, you may not be able to repay the loan of Harbin Consumer Finance on time. Therefore, Harbin Consumer Finance will check everyone's current actual liabilities.

3. Application materials: After receiving the loan application from the borrower, Harbin Consumer Finance will carefully check the application materials provided by the borrower to see if there is any mistake or fraud.

4. Credit card: At present, credit cards are required for Harbin Consumer Finance, so Harbin Consumer Finance will also check everyone's credit cards.