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Is there anyone in charge of Shang Hui's car loan?
Yes

As an auto financing loan company, Tengming Shang Hui auto loan is regulated and constrained by relevant national laws and regulations.

In China, the financial industry is strictly regulated, and financial institutions, including loan companies, need to abide by a series of laws and regulations, such as the Law of People's Republic of China (PRC) Commercial Bank and the General Principles of People's Republic of China (PRC) Loans.