Heng Chang Loan is an information intermediary service platform in P2P lending. Obtained the certificate of special remediation of Internet financial risks issued by Beijing Internet Finance Association, and also passed the compliance audit of many third-party institutions. In addition, Heng Chang Loan also publicized its filing information and relevant qualification certificates on the website of China Internet Finance Association. Therefore, it can be considered that the loan in Heng Chang is formal.

Although Heng Chang's loans are formal, they need to be carefully selected to avoid falling into the trap of illegal loans such as usury.