Is Heng Chang dunning SMS consumer finance?

Yes, the so-called "consumer finance" is the online loan, so the dunning SMS in Heng Chang is the dunning SMS sent to you by the online loan platform in Heng Chang. Consumer finance includes two modes:

1, one is that the fund provider directly lends money to consumers, and then consumers buy goods from consumer goods providers themselves, and then return the money to the fund provider, such as cash loans.

2. The other is that when consumers buy goods, the fund provider pays the money to the consumer goods provider on behalf of the consumer, and the consumer returns the money to the fund provider, such as credit card and installment payment.