Baoji Yucai Fund Company is not reliable in saving money. According to relevant public information, it is known that non-bank financial institutions of Baoji Yucai Co., Ltd. provide mortgage loans to specific customers who purchase commercial houses by its subsidiary Baoji Yucai Real Estate Development Co., Ltd., which belongs to the category of private lending. This situation does not belong to the situation that enterprises issue loans to the public in the name of lending, and the loan contract can be deemed invalid.