Centralized control. The offline business teams of large online and offline p2p platforms are often quite large, and some branches are even spread all over the country. If the platform has more overdue loans and needs to enter the judicial process, then the legal team of the platform can only be a trapeze, which is not only time-consuming but also expensive. Therefore, all litigation cases should be centralized and handled in batches to improve efficiency. Financial Optimization Group, a one-stop personalized service provider for financial investment in China, is headquartered in Guangzhou and has established institutions in more than 20 provincial capital cities such as Shenzhen, Foshan, Hangzhou, Changsha, Chongqing and Wuhan.