Banyan Tree Loan is an internet finance company, which provides financial services such as small loans, credit card repayment and installment consumption. "Hengxiaohua" is a small loan product launched by Banyan Tree, which aims to provide convenient loan services for users with short-term loan needs. Therefore, Hengxiaohua is a product independently developed by Rongdai, not a black online loan.

Loans are loans issued by banks, credit cooperatives and other institutions to units or individuals in need of funds.