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Small loan companies pull deposits and promise annual interest rate 18%. Can they invest?
The rational analysis is: if their company's income is ok, then your money will definitely be returned to you, and interest will also be given to you.

If you lose money due to improper management, then you will lose everything. The contract is useless.

To put it bluntly, this is called illegal fund-raising

The higher the income, the greater the risk.

I hope it will help you and I hope it will be adopted. thank you