I didn't look more into the FF Bank as the language barrier prevents me to do more research (and I'm not trusting Google Translate enough to base conclusions on approximative translations). But with maiyude meaning fishmonger, the conclusion I came to seems realistic :
In France, we call tontine (maybe you will know the exact word in Chinese) a system of lending / borrowing imported by Chinese people, where they make private informal loans between immigrants who come from the same region in China.
To promote the growth of the community and allow newcomers to have support from immigrants from their region who are in France since a longer time and have means to support them (to establish a business, or else...), they have a opaque parallel banking system. With the pressure of the families (lender and borrower) still in the native Chinese region, this ensures the reimbursement (maffia style).

I'm not sure what I'm looking at here, but I think it's this kind of arrangement, transposed in Steem (so maybe not that geographically centered). So i'm totally rejoining you in your guess.