Platinum-silver loan is a conventional loan. Borrowing money can be borrowed, but it is very risky for users. It is recommended not to try this kind of loan easily. First of all, we must verify the qualification of the other platform. There is an essential difference between "conventional lending" and private lending based on the autonomy of ideas between equal subjects. Lenders of private loans recover the principal and obtain interest according to the contents agreed in the agreement at maturity. They do not have the purpose of illegally occupying other people's property, nor will they commit acts such as inflating the loan amount, creating false payment traces, maliciously creating a breach of contract, arbitrarily identifying a breach of contract, and destroying repayment evidence. In the process of signing and fulfilling the loan agreement. We should carefully distinguish the difference between conventional loans and private lending.