Legal analysis: pay attention to the identification and prevention of conventional loan risks. The illegal and criminal acts of "routine loan" involve crimes such as fraud. The manifestations of this kind of illegal crime are as follows: First, soliciting business in the names of "small loan companies" and "guarantee companies", signing loan contracts with you, creating the illusion of private lending, and defrauding you to sign "inflated loan contracts", "yin and yang contracts" and real estate mortgage contracts in the names of "liquidated damages" and "deposit", which is obviously unfavorable to your contracts. In the name of peer-to-peer lending, applicants are required to pay the so-called "capital verification fee", "insurance premium" and "deposit" in advance. Second, forge the bank flow and deliberately create the illusion that you have got all the money borrowed from the contract. Third, arbitrarily identify your breach of contract and ask you to repay the "inflated loan" immediately. Fourth, it is to maliciously increase the loan amount. Therefore, if it is not a formal channel, most finance is not a legal loan company.

Legal basis: Article 266 of the Criminal Law defrauds public or private property, and if the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.