Unreasonable. According to a query on iResearch, Oriental Financing Network, as a loan assistance institution, cooperates with financial institutions to help them screen qualified borrowers. This institution knows that it has no right to conduct substantive investigation, judgment, and understanding of the purpose of the customer's loan application. According to the evaluation, the fees charged by Dongfang Financing Network are higher than the market average by taking advantage of information asymmetry to earn profits, so the service fee of 7 points charged by Dongfang Financing Network is unreasonable.