Yes The difference between Kobanawa and Puronghua is that Puronghua is a vest product of Hengyi Loan. Actually, to put it bluntly, they are actually a product. Miao Xiaohua is an App operated by Zhoushan Shan Ying Network Technology Co., Ltd., and the illegal collection and use of personal information was reported by Zhejiang APP Special Governance Working Group on May 3, 2022.