Reliable. Platinum bank loans are reliable. Platinum Bank Loan is a loan platform under 360 Internet Co., Ltd., with a quota of 200,000. The interest of platinum bank loan is 5000 principal, and the daily interest rate is 0. 04%。 The calculation method of daily interest is 15000×0. 04%=6 yuan. The annual interest rate is: daily interest × days in a year.