Institutions that can lend money are: 1 State-owned commercial banks: State-owned commercial banks include China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, Bank of Communications and Postal Savings Bank.

2. Local banks: such as Shanghai Pudong Development Bank, Guangdong Development Bank, Rural Commercial Bank and Bank of Beijing.

3. Internet banking: such as Weizhong Bank, Online Merchant Bank, Wangxin Bank and Suning Bank.

4. Various staging platforms: Gitzo staging, large credit card staging, etc. , used for car staging or small consumption staging.

5. Online lending platform: various online lending platforms, such as installment music and bill-paying man. : The online lending platform has a low quota and the interest is not cheap. It is not recommended to use too many online loans.

Private or enterprise lending: There is another kind of private lending, namely private lending. As long as the interest rate of the loan does not exceed the highest line stipulated by the state, private lending will always exist.