Is Xinye Youpin a regular platform?
It's a regular platform. CITIC Premium is an online loan product launched by CITIC Consumer Finance. CITIC Consumer Finance Consumer Finance Co., Ltd. is a consumer finance company jointly funded by China CITIC Co., Ltd., CITIC Trust Co., Ltd. and Kingdee Software Co., Ltd. Its main products are credit loans and term loans. CITIC Premium is a formal online lending platform, which is connected with the central bank's credit reporting.