Hello, this is a typical unlicensed statement. Xiaonuo Wealth Management is an asset side and will not send customers information about loan collection. Another company owned by Hanfu Capital Holdings, called Nuoyuan Puhui, is the lender. All creditor's rights will be issued after two face-to-face audits. Every loan is issued after a personal investigation and field investigation of the borrower's capital flow, and the loan failure rate is very high. Only in this way can the bad debt rate of Nuoyuan Pratt & Whitney always be lower than that of commercial banks. At present, the whole P2P business only accounts for one twentieth of the whole business of Hanfu Capital. Xiaonuo Platform is the governing unit of Mutual Gold Association, with complete three certificates. At present, there are no more than 130 companies with Xiaonuo qualification in China. If you really feel that you don't want to invest in online loan business at present, you can contact me to invest in equity or creditor's rights business, and the risk level is from R 1-R5.