Not a good person. The virtual nature of online transactions makes it impossible to verify the credit status of both borrowers and lenders, which easily leads to fraud and default disputes over non-payment of debts. If loans are issued through an online platform, and online loans and credit cards are repaid online, then if the online platform neglects self-discipline, or the internal control procedures fail, or are exploited, it may be possible to fabricate loan information and illegally raise funds.