Are companies that lend to small and medium-sized enterprises formal?

Very formal. The national credit platform is also called the national SME financing comprehensive credit service platform, which is written in detail in Baidu Encyclopedia. The national comprehensive credit service platform for SME financing (Guoxin Easy Loan Platform) takes the national credit information sharing platform as the hub, widely collects the enterprise credit information, self-reported information, relevant regulatory information and market credit information of SMEs, promotes the information exchange and application of "government, bank and enterprise", and innovatively develops new financial products with credit as the core by combining financial technology means such as big data and intelligent risk control. The national comprehensive credit service platform for SME financing (Guoxin Easy Loan Platform) is an important infrastructure for SME financing credit service led by the National Development and Reform Commission.