No * * * enjoyment. Hengke Banava Puronghua is two different financial companies, Hengxiaohua is a financial technology company focusing on small-scale online consumer credit loans, and Puronghua is a financial technology company. Although they belong to different companies, the application process and loan information are similar, but the quotas of the two companies are not * * *. Credit loan refers to the loan issued by the borrower's credit, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own credit without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. This kind of credit loan has long been the main loan method for banks in China.