I was deceived. Formal small loan companies are only allowed to conduct business locally. You must visit the company in person to handle the matter. They are not allowed to charge pre-loan fees or withhold interest. They will never use bank accounts under the names of individuals (so-called legal persons, managers, and financial directors) to collect fees. For example, small loan companies in Beijing are only allowed to issue loans within the district or county where they are registered. Businesses that go beyond the geographical scope and are handled based on online platforms are scams. They should be scammers using the name of a regular company to defraud or a company created by the scammers.