If a QQ or WeChat that has started a micro-loan transaction can still make a loan after changing the user identity information, why don't I make a loan before the transaction and then sell it to you? Do you sell more money or borrow more money?
Or buy an ID card and give it to QQ yourself. Wechat lends it after changing its real name information. Compared with the loan, it gets more money than it sells to you, right?