A three-point loan is not reliable. Investors of three-point loan, so-called transfer of creditor's rights and forced collection are all a delaying means of three-point loan. The enterprise associated with the three-point loan is an agricultural platform. The transferred creditor's rights are all double IOUs that the debtor was forced to type at that time, and the risk control means is 0, and the bids are all false bids. A real debtor is someone who can't borrow money for a long time.