According to relevant information, it is legal to carry out formal cooperation on the premise that both parties operate legally. The premise of legality is that cosmetic institutions should be legal and compliant, and then discuss legal cooperation plans with financial institutions. According to the initiative of China Internet Finance Association on standardizing medical and aesthetic related financial products and services. The initiative proposes that financial institutions will not cooperate with any illegal medical beauty institutions and will not provide relevant financial products and services to any illegal medical beauty institutions. Therefore, the legal premise is that both parties operate legally.