Regular small loan companies are only allowed to conduct business locally, and they should handle it in person. Do not charge pre-loan fees or withhold interest, and never use the bank account under the name of an individual (so-called legal person, manager or financial controller) to charge fees. For example, small loan companies in Beijing are only allowed to issue loans within the districts and counties where they are registered. Beyond the geographical scope, the business based on the network platform is a scam, and it should be that the scammer swindles in the name of a regular company or a scammer in a fictional company.