It is true that Wukong preferred to repel the scam. According to relevant public information, the irregular loan platform, interest fee, handling fee and overdue fee add up to a disguised usury. The loan interest is out of their consideration. What matters is the speed of the next payment. This way of robbing Peter to pay Paul is tantamount to drinking poison to quench thirst. They still have a certain willingness to repay, but the debts they bear have already exceeded their ability, and eventually everything collapsed. The culprit still has to start with the platform itself. The irregular interest fees, handling fees and overdue fees of the platform itself add up to a disguised usury. Many cash lending companies don't disclose the borrower's information, and don't let rival companies * * * enjoy their own data. Therefore, in order to pay off the last debt, borrowers repeatedly borrow on multiple platforms, and there are more and more ways to raise loans through lending. About 56.5% of cash lenders have applied for loans twice or more, of which 49.4% have applied in different institutions.