BOC Consumer Finance is a formal and reliable consumer finance company. It is the online lending platform under the Bank of China and the licensed online lending platform under the four major state-owned banks. Bank of China consumer finance has many loan products, such as mortgage loan products "enjoy loans" and educational products "exclusive loans for education" and so on. Bank of China Consumer Finance also has two independent online loan products: Bank of China Consumer Wallet and New Easy Loan-Micro Loan. It is a relatively formal online lending platform with strict loan management, and has established contact with the central bank's credit information system.