No, it's not safe. Ctrip Finance is a loan platform that cooperates with banks. Lenders use their real names to verify registered accounts and make loans. Before the loan is paid off, the program does not allow users to cancel their accounts. Because Ctrip Finance's loan business is connected with the bank, refusing to repay will be linked to personal credit information, and serious cases will be included in the list of dishonesty. It is unsafe not to repay. Ctrip is an online ticketing service company, established in 1999 and headquartered in Shanghai, China. Ctrip. Com has more than 600,000 member hotels at home and abroad to make reservations, and it is the leading hotel reservation service center in China.