According to Aiqi's inquiry, Shanghai Huarui Bank is not an online loan, but a bank. Its full name is Shanghai Huarui Bank Co., Ltd., which is one of the first five private banks to be piloted. It was established by ten private enterprises including Juneyao Group with a registered capital of 3 billion yuan. Shanghai Huarui Bank manages many online lending platforms, such as Shang Zhi Finance, Huili Finance, Bee Finance Network and Zhongye Rongxing.