Zhonghe Yin Hua, a brand of Xiamen Zhonghe Yin Hua Investment Consulting Co., Ltd., is a formal loan platform, not a regular loan. The platform was launched by Zhonghexin Financing Guarantee Co., Ltd. to provide loan services. AB loan refers to another form of loan. Customer A can't get the loan directly because of its poor credit status, and Customer B gets the loan as a guarantor.