1. Xinyi Loan is an online loan platform, which is often unreliable. When taking a loan on the Xinyi Loan app, you will often be asked to spend money to purchase a VIP, and the loan is very slow or never released. And the attitude of customer service may not be very good. If you ask customer service about related questions, the customer service may not reply directly.

2. When encountering online telecommunications fraud, you must calm down first, don’t be anxious, and sort out your thoughts. You must first report to the Anti-Fraud Center of the local Public Security Bureau. If the bank card transfer or the scammer's transfer takes time, the police can immediately pay the scammer's bank card and freeze the bank card. Scammers can only use bank data, so the money you were scammed from remains frozen on your card and cannot be transferred. If you are defrauded by an online loan platform, you must call the police. Calling the police is useful. We must trust the people's police ability. After the user calls the police, the Internet police will investigate based on relevant evidence. After the case is solved, the user's defrauded funds can be recovered, but if the user does not call the police, he cannot recover the defrauded funds on his own. After a loan fraud case occurs, you must promptly and properly keep relevant evidence and report the case, and use legal means to protect your legitimate rights and interests.

1. The specific process of bank loans:

(1) Apply for a loan. Customers should learn about the bank's credit products in advance and see if any are suitable for them. After understanding clearly, they can call the bank's customer service for consultation or on-site consultation. Go to the bank to fill out a loan application form, and bring along relevant documents such as ID card, household register, residence permit, work permit, marriage certificate, etc.

(2) Pre-loan investigation. The bank is qualified to conduct a preliminary review of the personal information of the loan applicant. If the applicant meets the conditions, he or she will proceed to the next step of the loan process.

(3) Loan approval. The approver determines whether the loan will be approved based on the loan applicant's repayment ability, personal credit record, guaranteed mortgage, etc.

(4) Mortgage registration. If a loan applicant chooses a mortgage loan, he or she needs to go through relevant registration procedures after being approved.

(5) Grant loans. Loans can be issued to those who meet the bank loan conditions and have completed all procedures legally.