Lending institutions screen high-quality customers with loan needs through their own systems, recommend them to banks and other fund providers, and issue loans to borrowers after being approved by the other party.

The earliest institutions involved in lending business were mainly e-commerce giants, banks and small loan companies. They were the first people to eat crabs. That is, lending institutions need to provide a large deposit while providing loan assistance services such as customer acquisition and pre-loan review. It's a client recommended by your lending institution. If you don't pay back the money within the time limit, your intermediary agency should "cover the bottom" and deduct it from your deposit.