Legal analysis: Loans are very concealed and deceptive. At present, more than 10% of high returns in society are dangerous bait with high risk, and almost all of them are suspected of violating laws and regulations.

Legal basis: Interim Measures for the Administration of Personal Loans.

Article 4 Personal loans shall follow the principles of compliance with laws and regulations, prudent operation, equality, voluntariness, fairness and good faith.

Article 5 Lenders shall establish an effective whole-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, define the corresponding loan objects and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of loans.