Because the two parties are in a cooperative relationship. By querying the official website of Fenqile Orange Financial Management Platform, we learned that the platform has a cooperative relationship with Shaanxi Changyin Consumer Finance, and the investors can be replaced with each other. Orange Financial Management is an independent brand under Fenqile Group. It was launched in June 2014. It is a financial management platform focusing on small and micro consumer finance and with highly diversified claims.