To prove that the online loan is not the user's own loan, you can prove that the user has not received the loan funds by submitting a screenshot of the bank card balance change, so that the lending institution can basically confirm that the loan is not applied by the user. If a criminal steals personal identity information to apply for a loan, he must transfer the funds to the criminal's account. After the lending institution reports to the police, criminals can be found through the account. The above is how to prove that online loans have nothing to do with their own loans.

What is the harm of online lending?

1, through simple operations, you can get high returns, and it is easy to develop the idea of opportunistic and unearned;

2. Many online lending platforms have difficulties in collecting accounts, so it is relatively easy to form bad debts. In addition, peer-to-peer lending can easily become a tool for illegal fund-raising;

3. For consumers, online loans are easy to form the habit of early consumption, early overdraft and luxury consumption. When the crisis comes, it is really irreversible.

When users choose online lending platform, they need to communicate face to face with professionals to better understand the risk control ability, credit review level and product characteristics of the platform. In addition, lenders can also get a preliminary understanding of the strength, registered capital, filing progress and risk control of the platform through the network. This paper is mainly about how to prove that online lending is not self-lending, and the content is for reference only.