1, in theory, P2P platform is only a middleman, so it is impossible to raise the lender's loan interest rate and then let the borrower bid, but this is only 1 in theory. 2. The online lending platform will submit information service fees and platform management fees. Even if it is a test, there are always names. Under normal circumstances, you can think of such a platform, and you can refuse it because banks and regulatory authorities will ban it. 3. In my opinion, the platform is a reasonable intermediary structure. In addition, the platform sometimes charges liquidated damages. If there is a fine, it is also a fine plus lateness, which is normal because the financial system has investigated it. This principle is. 4. The actual route is that sometimes the loan interest rate is extremely low, for example, there are only two points of interest, but other expenses are hidden or low-key, and then the lender does not pay attention to reviewing the relevant agreements and terms. Even so, if the lender can repay the loan on time, the problem is not big. The bigger routine is that some lenders still can't. At this time, these induced platforms will induce lenders to tear down the western wall in their mobile phones and borrow money from other more unregulated platforms, so that empty coverage will pay more. In reports, we often see dozens of platforms in mobile phones, which is the reason. After that, the staff will induce you to mortgage the property. In short, lenders are often deep and difficult to pull out. Check whether the qualification does not have the general financial industry qualification and whether the industrial and commercial procedures are complete. Understand whether it is submitted to relevant departments regularly. Knowing whether the unit has the right of reputation can be attributed to the conventional consumer credit institutions. There are two ways to borrow money: 1. Consultation, explanation, sincere consultation and one-time solution. 2. In case of violence or year-on-year, the total cost exceeds 36%, actively commemorate the judicial department and safeguard their legitimate rights and interests according to law. In fact, as long as a good company is carefully observed, it will not happen to enter this industry. Many people think they know all the time. In fact, they are also guilty of a penny and a half, and the result is to dig a hole. What I have to do is to be good.