More reliable. According to public information, Yin Shenghua's loan has passed the regulatory certification of relevant departments, and the operation and business of the platform meet the requirements of laws and regulations. A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. Among them, the party that borrows money from the other party is called the borrower, and the party that borrows money is called the lender.