China Merchants Jinlian, also known as Zhaolian Finance, is a licensed consumer finance company established with the approval of China Banking Regulatory Commission, which was jointly initiated by China Merchants Bank and China Unicom. As a legally operated institution, it abides by relevant laws and regulatory requirements during the loan process and keeps credit records. If the borrower repays the loan on time and there is no overdue situation, these good credit records will have a positive impact on auto loans, mortgage loans and credit card applications, which can improve the integrity. Note that if there is overdue repayment on this platform, it will be reported to the credit reporting agency.