Official website of Changsha Xinyi Commercial Loan Company and related credit evaluation show that Changsha Xinyi Commercial Loan Company is a legally registered financial institution with relevant business qualifications and compliant operation. The loan products and services provided by the company meet the requirements of the national financial supervision department and have a good customer reputation and credibility. Moreover, Changsha Xinyi Commercial Loan Company has a certain popularity and influence in the industry. Therefore, it can be confirmed that Changsha Xinyi Commercial Loan is formal.