However, the intermediary institution should be a financial information intermediary company established in accordance with the law and specialized in lending information intermediary business activities.

Lending information intermediaries shall follow the principles of legality, honesty, voluntariness and fairness, provide information services for both borrowers and lenders, safeguard the legitimate rights and interests of both borrowers and lenders, and shall not provide credit enhancement services, directly or indirectly raise funds or illegally raise funds, and shall not harm the national and social public interests. As long as its behavior violates the relevant contents of the Measures for the Administration of Intermediaries, the loan intermediary will still be punished as an illegal act.