Legal Analysis: Yi Rong Staging (yingtan Rongshiji Network Microfinance Co., Ltd.) is an APP that provides users with different stages of consumption. Users can arrange personal training, furniture and building materials with one click. Wind control technology is easy to access a large amount of external data in stages and adopts intelligent big data wind control system.

Legal basis: Article 679 of the Civil Law stipulates that a loan contract between natural persons is established when the lender provides a loan.

Article 680 of the Civil Code prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.

If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.