No banyan loan is formal and legal. Banyan Tree Loan is a loan platform owned by Bai Rongjinfu. Bai Rongjinfu was established in March, 20 14. It is an enterprise that provides services for individuals and financial institutions by using advanced technologies such as artificial intelligence, big data and cloud computing. Bai Rong Jin Fu has won more than 300 qualifications and awards. In addition, investors in Banyan Tree Loan are also relatively strong, including state-owned enterprises.