Legal analysis: If you apply for membership voluntarily, it is normal for the platform to charge membership fees. After becoming a member, you can naturally enjoy more rights and interests, such as withdrawal, preferential interest rate/interest-free, and so on. If you don't want membership rights, as long as there is no automatic renewal, you will naturally cease to be a member when the validity period expires. Of course, if the loan platform insists that customers open members, they can't lend without opening them, then this situation is wrong. Any formal consumer financial institution approved by the CBRC and holding a financial license will not charge customers upfront fees before the loan funds are distributed to the account. This membership fee is actually a beheading fee charged by the loan platform in disguise.

Legal basis: Article 226 of the Criminal Law of People's Republic of China (PRC) commits one of the following acts by violence or threat. If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or only be fined; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined:

First, buy and sell strongly;

(2) Forcing others to provide or accept services;

(three) forcing others to participate in or withdraw from the tender and auction;

(4) Forcing others to transfer or purchase stocks, bonds or other assets of companies or enterprises;

(five) forcing others to participate in or withdraw from specific business activities.