According to Cai Xi's survey. Com, Jiganhua's operating company is Shenzhen Zhongan Xinye Microfinance Co., Ltd., which has a network microfinance license, so Jiganhua is a licensed loan platform. The licensed loan platform meets the national regulatory requirements. Ji Ganhua only receives loan interest, and the interest fee is transparent, so he can apply freely. There are no arbitrary charges, so it is a formal lending platform. It can be seen that Jiganhua is not an intermediary, but a lending platform.