Need. Worry-free current loans need big data, worry-free lending in addition to collection and the generation of loan notes, the intervention also includes pre-lending audit, the borrower needs to fill in the personal data including personal name, cell phone number, ID card number, personal hand-held ID card front and back photos, sesame scores, borrowing and chanting screenshots, the user said that these data in the worry-free lending through the audit of the time between half an hour to three hours. The user said that this information in the carefree lending through the audit time is between half an hour to 3 hours.