This is a fake. The formal loan platform does not need this fund and can be ignored. First of all, you have to make clear whether the online loan is borrowed from the bank. If you don't borrow directly from the bank, why do you want the bank to see if you have the repayment ability? Secondly, the repayment ability is never measured by the existing funds, but by the name of the industry, work income, credit history and so on. If you have money, who will get a loan? Therefore, the bank's ability to measure repayment is not measured by the amount of cash in the card. Finally, banks will definitely handle loans offline, and it is unrealistic to handle bank loans online. Like other lending institutions, this large sum will also be part of the telegram. There are many scammers operating online. In the name of borrowing money, the purpose of illegally occupying other people's property is achieved by means of "inflating debts", "letting money flow away", "arbitrarily determining breach of contract", "transfer settlement" and "false litigation". When you are not sure whether they are liars or not, the most important points are verification code and transfer. No matter what the name is, you will be asked to transfer money or ask for your mobile phone verification code or bank card verification code and so on. Whatever you want, it must be fraud. It is suggested that you stop the loan operation or provide relevant evidence for alarm handling, and try to borrow money through proper channels.

1. Risks in peer-to-peer lending: 1) Lack of supervision over the sources of funds. 2) Lack of bank credit system and overdue repayment often occur. 3) The security of the deposited funds is low, which may be misappropriated by other personnel such as websites. 4) The borrower is easily suspected of the crime of illegally absorbing public deposits and the crime of setting up financial institutions without authorization. 5) The interest rate in peer-to-peer lending sometimes far exceeds the stipulated interest rate. Once an economic dispute occurs, the lender cannot safeguard this part of the interests.

2. Risk Prevention of Peer-to-Peer Lending: 1) Put on record according to law, and apply for the corresponding telecom business license according to the relevant regulations of the competent communication department after filing. 2) Review the qualifications of lenders and borrowers, the authenticity of information and the authenticity and legality of financing projects. 3) When the peer-to-peer lending platform uses a third-party digital authentication system, it should regularly evaluate the third-party digital authentication institutions to ensure that the relevant authentication is safe, reliable and independent.

Don't trust the loan advertisement easily. Some fake and shoddy advertisements on P2P lending platform entice college students to register and get loans, claiming that they can help students solve the basic difficulties in their study and life at school. In fact, this kind of usury, inducing loans, and increasing the credit line can easily lead students to fall into the trap of "chain loan". Don't believe such advertisements.