At present, loan treasure, 360 loan note, rich flower, comfortable flower, banyan tree loan, micro-loan, JD.COM gold bar, Gome E card, installment music, loan treasure, 58 loan treasure, enough flower and good loan are all relatively easy to apply for through user loans. However, whether the loan platform finally meets the loan demand of users depends on the personal qualifications of current users. The higher the personal qualification (the higher the educational background, the more stable the work income, the better the credit record and the less the debt), the easier it is for the loan platform to apply for loans from users, and vice versa.