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Is Zhong 'an Loan a formal loan?

Zhongan loan is a formal loan.

Zhongan Loan is a loan product operated by Chongqing Zhongan Microfinance Co., Ltd., and has an Internet microfinance license. The minimum annualized interest rate of Zhongan Loan is 7.2% (simple interest), and the maximum is no more than 24%. During the loan period, Zhongan Loan will not charge any upfront fees, and interest will be charged according to the contract only after the loan is successful. After Zhongan's loan application was successful, Chongqing Zhongan Microfinance Co., Ltd. uploaded the loan record to the Credit Information Center of China People's Bank. Zhongan Loan APP has been filed through the mobile financial client application software. Zhongan Loan always uses encryption algorithm to encrypt users' personal information. Therefore, from the perspective of operating companies, loan interest rates, fees, docking credit, filing and guarantee, Zhongan loans are all formal loans.