No need. Youwo Loan is a leading financial technology platform in China and a practitioner of financial reform. It focuses on the capital development needs of small and medium-sized enterprises, self-employed households and farmers and has long been committed to the construction and improvement of the national credit system. On May 9, 2009, it was successfully listed on the Nasdaq Global Select Market. The platform does not charge any fees for handling black cards, as long as it does not borrow money, it does not need to repay. As a third-party service platform, you and I don't take deposits or lend money, but only provide a series of related services such as credit consultation, evaluation, recommendation, fund transfer and docking.