Strong institutional support, because online lending must occur on the network platform, and banks must build a strong credit system to support it. This system must be able to accept loan applications, comprehensively analyze customers and finally issue loans.

Due to the huge daily transaction volume of C2C platform, the manpower, material resources and financial resources spent by this powerful system are unbearable for any commercial bank. Therefore, relevant government departments and trade associations must coordinate and communicate, so that every commercial bank can participate. With the expansion of such loans, the final loan cost will have a great cost advantage over conventional loans.