The loan amount of Jincheng Bank was not approved. It's an intermediary loan, not a regular loan. The so-called routine loan is far worse than the traditional usury. In the name of borrowing money, criminals illegally occupy the borrower's property and real estate. Under the guise of micro-loan, unsecured and fast lending, through the routine operations and mutual cooperation such as yin-yang contract and forged running water, the original small amount of debt was rolled over several times, and a complete evidence chain of lending relationship was formally formed.