Describe in detail the specific operational procedures, speaking skills and psychological activities of "Lukouzi" (applying for online loans), and restore the chaos of online loans in 2016. 2016 Is the "golden age" of P2P online lending and cash lending. Supervision has not yet been completely tightened, major platforms are throwing money wildly, and credit reporting systems have not yet been fully interoperable, giving speculators huge room for arbitrage.