Yin Chang Consumer Finance texted me that I was overdue or something?

You can call the police for verification.

1. Know your legal rights before consumption:

2, know what obligations the operator should undertake when selling goods or providing services;

3, understand the current national laws and regulations to protect the rights and interests of consumers;

4. When encountering a consumer dispute, you should know what effective ways can be used to solve the consumer dispute and seek damages according to law. At the same time, you should also understand the relevant regulations and requirements of litigation, appeal and complaint to relevant departments, so that your complaint can be effectively solved;

5. When purchasing goods or receiving services, you must choose qualified and reputable dealers or intermediaries;

6, when signing a consumer contract with the operator, we must pay attention to check the validity of the contract, as well as the rights and obligations and the use of standardized contract text.

Basic explanation:

Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities.

Central Bank: China People's Bank is the central bank of China. Responsibilities: Implement monetary policy, macro-control the national economy, supervise and manage financial institutions and even specialized financial institutions in the financial industry.

Policy banks: including The Export-Import Bank of China, China Agricultural Development Bank and China National Development Bank. Responsibilities: Financial institutions that participate in or guarantee shares, engage in policy financing activities directly or indirectly in specific business areas for non-profit purposes, and serve as tools for the government to develop the economy, promote social progress and conduct macroeconomic management.