Legal. Harbin Lilac Puhui is a cash service launched by Harbin Bank, which is a formal bank recognized by the industrial and commercial departments, and its products and services are safe and reliable within the scope permitted by law. Harbin Bank's "Lilac Universal Payment" integrates many functions such as "Lilac IOU", credit card consumption, cash installment and cash advance, and can provide convenient and preferential cash services for consumers with financing needs.