Due to the lack of normal financial supervision, the chaos that loan intermediaries are difficult to distinguish between true and false has always existed. Instead of lending with its own funds, loan intermediaries recommend lending institutions to earn intermediate fees for customers. If a borrower wants to obtain a safe and reliable loan through an intermediary, he should not only distinguish the nature of the loan intermediary, but also pay attention to whether the loan intermediary is sitting on the ground and charging fees, so as to avoid being cheated.