1. Self-financing: lend money to usury or make high-risk investment, and close down after failure;
2. Fraud: build an empty shell website, attract investors with high interest rates, and abscond with money when the time is ripe;
3. layman: people who don't understand risk control at all will naturally only accept loans and will not accept them. If there are more bad debts, it will be over;
4. Ponzi: basically, it is to borrow the new and return the old, or to severely open the bid. Once the capital chain breaks, it will go bankrupt.