1. Paipai Loan: As the earliest online lending platform established in China, it has a long history of operation and a wide user base.

2. Love investment: provide diversified loan products, adhere to the principle of steady operation, and have a good reputation and credibility.

3. lufax: operated by a subsidiary of Ping An Group, backed by strong financial strength and risk control ability.

4. Pleasant loan: take the lead in introducing a third-party guarantee institution in the industry and implement a strict information disclosure system.

5. Good loan network: characterized by focusing on financing of small and micro enterprises, with perfect risk control system and unique service.

6. Renren Loan: Provide a safer trading environment for investors and borrowers through professional rating and multi-level audit.

7. Murray Loan: Committed to providing efficient and convenient online loan services and providing investors with diversified investment choices.

8. Wallet network: the creditor's rights transfer model is adopted to match the lender and the borrower, and the risk is highly controllable.

9. Favorable network: adhere to the principle of giving priority to risk control, establish a sound risk management system, and provide investors with sound investment opportunities.

10. Lending treasure: Improve the security and transparency of transactions through real-name authentication, credit rating of borrowers and other means.

Summary: The above is the ranking of formal online lending platforms according to the generally recognized standards and user evaluations in the industry. These platforms pay attention to risk control ability, information disclosure and user protection in operation, and have certain market influence and good reputation. However, investors should be cautious when choosing online lending platforms and make reasonable investment decisions according to their own risk tolerance.

Supplementary information: With the development of Internet finance industry, some illegal or irregular online lending platforms have emerged. Investors should pay attention to discrimination and choose a formal platform for investment. At the same time, the China Municipal Government has also strengthened the supervision of online lending platforms and strengthened compliance management to safeguard the stability of the financial market and the interests of investors.