Not cost-effective. Compared with Ping An Puhui, Ping An Bank's loan application threshold will be higher, the requirements for users will be stricter, and the loan approval time will be longer. It has more advantages in terms of quota and interest. High quota and low interest are the characteristics of banking financial institutions. In addition, when you apply for a loan at Ping An Bank, the lending funds belong to the bank; Ping An Puhui is more of a service platform, and the lender is a cooperative institution.