Legal. According to the investigation of enterprises, the loan interest of Zhongan Xinye is a reasonable and legal formal platform, which conforms to the national regulations, that is, the loan interest of Zhongan Xinye is legal. Loans refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out in the form of loans, which can meet the demand of supplementary funds for social expansion and reproduction.