Xiaoying Card Loan is a micro-credit service platform under Xiaoying Technology, a company listed on NYSE. Consumer loan is an online lending platform under the Bank of China, which is called BOC Consumer Finance Loan and belongs to consumer loan products. They are the loan platforms of two independent and different financial institutions.

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.