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消金

xiāo jīn consumer finance (abbr. for 消费金融)
xiāo to diminish; to subside / to consume; to reduce / to idle away (the time) / (after or or etc) to need; to require; to take
  Jīn surname Jin / surname Kim (Korean) / Jurchen Jin dynasty (1115-1234)
  jīn gold / chemical element Au / generic term for lustrous and ductile metals / money / golden / highly respected / one of the eight categories of ancient musical instruments 八音
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