Harbin Consumer Finance

Harbin Consumer Finance Co., Ltd. is a licensed non-bank financial institution established in April 2017 with the approval of the former China Banking and Insurance Regulatory Commission (CBIRC), now the National Financial Regulatory Administration (NFRA). It was initiated and is controlled by Harbin Bank. The company's primary business is to provide accessible, small-value, unsecured personal credit loans to a broad consumer base across China. It leverages financial technology to offer convenient online financing solutions for various personal consumption scenarios, explicitly excluding the purchase of homes and automobiles.