Reasonable. The determination of daily late payment fees after overdue needs to consider multiple factors, such as loan amount, loan period, borrower's credit, etc. Late payment fees are intended to strengthen repayment constraints and compensate creditors for losses, so as to encourage borrowers to repay on time. The following are relevant instructions:

1. Late payment fee amount: 10 yuan or 20 yuan per day is a common late payment fee. The specific amount depends on legal regulations, industry practices, and loan agreements.

2. Loan amount and term: Higher late fees may apply to smaller loan amounts or shorter loan terms to increase the sense of urgency in repayment.

3. Borrower credit: Some borrowers have good credit, and even low late fees are enough to motivate them to repay on time. But for borrowers with higher credit risks, higher late payment fees can reduce the risk of overdue payments.

Summary: The setting of overdue fees should comprehensively consider factors such as loan amount, loan period and borrower’s credit. A late fee of 10 or 20 yuan per day is a reasonable range. Ensure that overdue fees are set to encourage borrowers to repay on time without unduly harming their interests.

Extended information: In China, the specific setting of overdue fees for online loans is restricted by relevant laws, regulations and regulatory policies. These regulations are designed to protect the rights and interests of borrowers and promote reasonable debt recovery behaviors. Therefore, specific late payment fees may vary based on different regions and regulatory requirements.