The membership fee will be deducted from the Qingcheng Mountain loan first. There is no need to pay the membership fee in advance for the loan. Formal loans do not need to pay any fees before application. Even the introduction of membership service is based on the principle of voluntary payment. Formal loans will not force users to open membership services. Informal loans will require users to pay membership fees before applying for loans. At this time, the membership fee is equivalent to the pre-loan fee. After the user pays the membership fee, the informal loan will make a profit by defrauding the membership fee.