Paid loans are formal and reliable. As a subsidiary of Guangzhou Jin Nuo Internet Microfinance Co., Ltd., it holds the license of national microfinance company, which is an important legal document of microfinance business. In addition, CDB cooperates with banks, microfinance companies and other financial institutions in terms of loan process and risk control to provide users with online loan services. Opening money loans is a formal loan platform, which is more reliable. Lending is a common financial behavior, which means that the borrower borrows money from financial institutions or individuals and agrees to repay the principal and interest within a certain period of time. Lending can be carried out through various channels, such as bank loans, credit union loans, private lending and so on.