Legal analysis: Yes, the two platforms are not necessarily related. However, the interest on online loans is very high, and there are many illegal online lending platforms. It is suggested to consider the risk and interest tolerance. Now many online loans have been included in the credit information system, and overdue will also affect credit information.

Legal basis: Article 9 of the Interim Measures for Personal Loans, the lender shall establish a reasonable control mechanism for the borrower's income and debt ratio, reasonably determine the loan amount and term in combination with the borrower's income, liabilities, expenses, loan purposes, guarantees and other factors, and control the borrower's repayment amount in each installment not to exceed its repayment ability.

Measures for the Administration of Entrusted Loans of Commercial Banks Article 19 Commercial banks shall strictly isolate the risks of entrusted loans and self-operated businesses, and prohibit the following acts:

(a) to determine the borrower in the name of the principal.

(2) Participate in the principal's loan decision.

(3) Issuing advance funds for entrusted loans to customers.

(four) to determine the guarantor on behalf of the borrower.

(5) Advance funds to repay entrusted loans on behalf of borrowers, or directly or indirectly undertake entrusted loans with credit and wealth management funds.

(six) to provide various forms of guarantee for entrusted loans.

(seven) to sign other contracts or agreements that change the nature of entrusted loan business.

(eight) other acts of taking risks on behalf of others.