Formal.

This is because Hua Xia Bank is supervised by financial regulatory agencies such as the China Banking and Insurance Regulatory Commission. These regulatory agencies are responsible for supervising the compliance and risk control of banking business and ensuring that the loan business meets regulatory requirements.

Hua Xia Bank’s Credit Department is one of the important components of Hua Xia Bank and is subject to the supervision of Hua Xia Bank’s functional departments. As a formal commercial bank, the credit methods used by the credit department have been supervised and tested by the People’s Bank of China. , has a complete regulatory system and regulatory service measures.