Shanghai Ping An inclusive microcredit Company is unreliable. Shanghai Ping An inclusive microcredit Company has no registered trademark, no industrial and commercial department certification and no business license, so it is not reliable to find a loan from it. Microfinance companies are limited liability companies or joint stock limited companies established by natural persons, corporate legal persons and other social organizations that do not absorb public deposits and operate microfinance business. A company is an enterprise legal person, with independent legal person property, enjoying legal person property rights, and bearing civil liability for debts with all its property. The application procedure is simple and convenient, avoiding complicated evaluation and guarantee procedures. Small loan companies have narrow sources of funds. Under the institutional framework of "only lending without saving", small loan companies mainly lend with their own funds invested by shareholders. Shortly after the establishment of most small loan companies, capital was issued. Small loan companies are financial institutions that provide small loans to "agriculture, rural areas and farmers" and small and medium-sized enterprises. According to the regulations, business activities can only be carried out in the registered area, and the loan funds are limited.