Is the online loan of Shanghai Branch of HSBC Finance (China) Co., Ltd. credible?

Hello, the credibility is not very high. HSBC Bank (China) Limited was formally registered on April 2, 2007. Its headquarters is located in Shanghai, China. It is a wholly foreign-owned bank owned by Hongkong and Shanghai Banking Corporation Limited, and its predecessor was Hongkong and Shanghai Banking Corporation Limited Chinese mainland Branch.