Unsafe and unreliable. The direct loan of Qingdao Ganyinrong Bank is unsafe and unreliable. Because offline direct lending institutions of banks are unreliable, direct lending institutions of banks induce consumers to apply for loans under the banner of formal institutions, unsecured, unsecured, low-interest-free and white credit information. Behind these attractive conditions are actually traps such as high handling fees and loan scams. Direct bank loan means that the borrower directly contacts the bank to apply for a loan, which is called "direct customer loan".