Not reliable. Forward staging is a loan platform, which is itself a kind of micro-loan software. In fact, people can't find the relevant information of this platform on the Internet, which can also explain that this platform is not so formal to some extent. There are many such loan platforms on the Internet, but most of them are not so formal. Many people will handle the loan business, but now many people are reluctant to go to commercial banks to handle the loan business, because the approval time of commercial banks is too long. If you borrow a little money at ordinary times, you don't think it is necessary to go to commercial banks to handle such small loans, but you should be wary of informal platforms.

1, screening of formal online lending platform: business license. Formal microfinance platform has business license and business license issued by the industrial and commercial department. Of course, you can also log on to the official website of the local industrial and commercial bureau to inquire about the company's registration information. If the platform you are exposed to is not available, you should be careful when borrowing money. Charging time, formal lending platforms generally charge interest, handling fees and other fees after lending to borrowers, rather than asking for payment before lending. If you encounter charges in advance, you should pay more attention. Compared with banks, the loan cost charged by borrowing companies is slightly higher, but no matter how high it is, it will not exceed 4 times of the bank's loan interest rate in the same period. Never get involved in the whirlpool of usury. Loan procedures: formal loan companies require borrowers to provide loan procedures similar to bank loans, including their valid identity certificates, marriage certificates, work certificates, income certificates, etc. It is not easy to borrow money with "an ID card/household registration book". Therefore, when choosing a lending platform for lending activities, we must not be lucky.

2. In fact, the legal issue of online platform borrowing still depends on the annual interest. Private lending with an annual interest rate of more than 24% is not protected by law, and loan contracts with an annual interest rate of more than 36% are invalid. Relevant legal knowledge: Article 2 1 1 of the Contract Law stipulates that if the loan contract between natural persons stipulates to pay interest, the loan interest rate shall not violate the relevant provisions of the state on limiting the loan interest rate. Article 6 of the Opinions on the Trial of Lending Cases stipulates that the interest rate of private lending may be appropriately higher than the bank interest rate, and the local people's courts may specifically grasp it according to the actual situation in the region, but the maximum interest rate shall not exceed four times (including the interest rate) of similar loans from banks. Beyond this limit, the excess interest will not be protected.