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 in the districts and counties where they are registered.
Loans within the scope of issuance. The business beyond the geographical scope and the business based on the network platform are all scams, and it should be that the scammer uses the name of a regular company or a fictional company to defraud.