Check whether the loan platform is formal from the following aspects: 1, and whether the relevant lenders of the loan platform are qualified to lend. 2. Whether the loan interest rate proposed by the loan platform complies with the law. 3. Is the loan platform loose for borrowers? Generally speaking, the platform that only needs to provide ID cards is not reliable. 4. Whether the loan platform is connected to the central bank's credit information system. 5. Is there any violent collection on the loan platform?