Unreliable and unsafe. According to Aiqi's inquiry, Jinxinxiang Group has no relevant qualification certificates, such as filing with the Industrial and Commercial Bureau and business license. , anxiety depends on the spectrum. Moreover, regular small loan companies are only allowed to do business locally, and they have to go to the company in person. On the contrary, the company will charge the pre-loan fee or withholding interest, and will use the bank account in the name of the individual to collect the fee.