Credible. According to Aiqi's inquiry, the offline outlets of Hami City Commercial Bank have obtained formal business licenses, which is credible. Hami City Commercial Bank is the only regional commercial bank with independent legal personality established on the basis of Hami Credit Union Co., Ltd., with the strong support of Hami prefectural party committee, administrative office, Xinjiang Supervision Bureau of China Banking Regulatory Commission, party and government in two counties and one city, under the guidance of Hami Supervision Branch of China Banking Regulatory Commission and Hami Central Sub-branch of China People's Bank, with the approval of China Banking Regulatory Commission, and funded by Hami's financial departments at all levels and well-known enterprises in Hami.