Legal. In China, the development of banking business needs to comply with a series of laws and regulations, including the Law of People's Republic of China (PRC) Commercial Bank and the Law of the People's Republic of China on Banking Supervision and Administration. As a licensed bank, Zigong Bank Direct Bank has been examined and supervised by relevant regulatory authorities. In addition, the direct selling bank of Zigong Bank also needs to comply with relevant business norms, such as the Measures for the Administration of Electronic Banking, to ensure that its business meets the requirements of laws and regulations. Therefore, it can be considered that the direct banking of Zigong Bank is legal.