Therefore, there are many online lending platforms that have closed down. For example, lufax's P2P platform "Micro-loan Network", Ji Loan, Pleasant Loan, Fun Loan under Fun Store, Chain Loan under Chain Home and so on. There are many reasons for these closed platforms, including illegal operation, broken capital chain and poor platform management. In the process of lending, if there is no adequate preparation and understanding, investors will easily fall into risks and even fail to repay loans.