Ping An Bank's microfinance is a loan product under Ping An Bank and a credit loan. Coupled with Ping An Bank's investment in advertising, Ping An Bank's microfinance products have been widely known. So is Ping An Bank's microfinance reliable? Let's analyze it from many aspects. Is Ping An Bank's small loan reliable? 1 First of all, from the perspective of Ping An Bank as a lender, Ping An Bank is a joint-stock commercial bank approved by the China Banking Regulatory Commission. Like other large banks, Ping An Bank provides customers with various banking financial services such as wealth management, loans and credit cards. Secondly, from the perspective of loan products, Ping An Bank's micro-loan is a pure credit loan without any mortgage or guarantee. Personal credit can be used to apply for loans, which can solve the loan problem of people without assets to a certain extent, and the loan amount is relatively high, up to 500 thousand yuan. Based on the above, Ping An Bank's microfinance is still relatively reliable. First, Ping An Bank is a formal bank approved by the China Banking Regulatory Commission, and the loan interest rate is also within a reasonable range, and there is no usury; Secondly, the loan product is a credit loan, and the loan amount is relatively high, which is more suitable for white-collar workers to apply.