Has Jinan Dragon always been a reliable lender?

Jinan dragon has always been unreliable in lending. Whether you apply on some online loan apps or your information is leaked, someone who claims to be a bank direct loan or loan approval center will contact you by phone, fill out a bunch of basic information forms, and the staff will take them to a nearby bank outlet to print their own credit information. They will sign a contract with someone similar to the risk control manager, stipulate the service rate (up to 20% of the total loan), and deduct the agreed amount at one time (in fact, they can't get a bank loan).