Not reliable. Answering the phone in Beijing will reveal your privacy, and it is not reliable to answer the phone on behalf of the loan. Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out in the form of loans, which can meet the demand of supplementary funds for social expansion and reproduction.