Regular small loan companies are only allowed to conduct business locally, and they should handle it in person. Do not charge pre-loan fees or withhold interest, never use bank accounts to collect fees in the name of individuals (so-called legal persons, managers and financial leaders), and never ask for a deposit on the card for reasons such as verifying the financial strength (repayment ability). For example, small loan companies in Beijing are only allowed to issue loans within the districts and counties where they are registered. The business beyond the geographical scope and the business based on the network platform are scams, which should be companies that cheat or defraud in the name of regular companies.