Informal G&D inclusive loans are informal. In various names, such as "liquidated damages", "security deposit", "agency fees", "service fees" and "industry rules", it defrauded the victim to sign various contracts that were obviously unfavorable to the victim, such as Yin-Yang loan contracts and real estate mortgage contracts, or made relevant verbal agreements with the victim, creating various excuses to unilaterally identify the victim as "in breach of contract" and demand "repayment" of inflated loans.