The target customers of Yi Xianghua are 22-55 years old, mainly in 1-4 tier cities. They have small capital financing needs in their daily work and life, are familiar with the Internet, are used to mobile payment, have confidence in their financial situation and understand the importance of personal credit. Fragrant flowers are a formal platform. Depending on the lender, some people will go to the central bank for credit information, while others will go to hundreds of banks for credit information. At the time of application, they will also inform users of the authorization to inquire about personal credit information.