With the rise of Internet finance, more and more people are choosing to lend online. The formality of the call-in as a company providing on-line loans is a matter of concern. This paper will analyse the formality of the call for contributions from multiple perspectives。

Is that a regular loan

First, we can look at official qualifications. The Union was established in 2018 with a registered capital of RMB 10 million. The company ' s registered address is the Qinghai Street News Building, located in the southern mountains of Shenzhen, Guangdong Province. On the official website, it is indicated that a permit has been obtained for the payment of funds by the People ' s Bank, with the registration number [2019] No. 001 for the payment of funds, as well as the Business Credit Information Form issued by the Shenzhen Market Supervision Authority. These indicate that the call was a qualified company and of a certain size。

Secondly, we can look at it in terms of user experience. Users can view details of the company ' s length of operation, certification of qualifications, repayment modalities, fees, etc. on the official web site for which they are charged. Prior to lending, a professional customer service team will call back to ensure that the information entered by the user is valid. In addition, the loan requests were processed more quickly and normally required only one or two working days. It also provides a 24-hour online service, which allows users to consult on relevant issues and obtain timely responses. In terms of user experience, the call for contributions is not as likely as some unregulated companies to have situations that affect the user experience, such as malicious withholdings, late alerts, etc。

We can also look at the media coverage. An in-depth knowledge of the relevant news links shows that the company has also received numerous media attention and coverage. For example, on 14 January 2020, the China Securities Journal published a report entitled " Pay-as-you-go: building a big data wind control system for people in need " . At the same time, the Union was selected as one of the top 50 Internet finance lists for 2019, selected by the University of Chinghua, the Eastern Wealth Network and Snowball Network. These indicate that the call was made by a company of high interest and recognition。

In the light of the above, we can assume that the subscription is a formal loan company. The company has the same qualifications and size, has a better user experience and has received media attention and coverage. Of course, before a loan is made, users should also be fully informed about the company and be careful to choose。