To put it simply, individuals with money and financial investment ideas lend money to other people with borrowing needs through intermediaries. Among them, the intermediary agency is responsible for conducting a detailed investigation on the borrower's economic benefits, management level and development prospects, and collecting income such as account management fees and service fees. This mode of operation is based on the contract law, which is actually a private lending method, and the interest that is lower than the bank's interest rate for the same period is protected by law. Think about it. The loan financial service network platform is mainly aimed at college students, working-class people and micro-business owners with good credit but lack of funds, helping them realize their ideals such as training, home appliance purchase, decoration, part-time entrepreneurship and short-term turnover. Good thinking loan is to determine the loan amount and loan interest rate for them through third-party guarantee. Then, the intermediary agency provides this information to the fund lender, and the two parties directly reach a loan agreement, and the fund lender obtains loan interest.