Not reliable. Baitongchuang is an illegal online loan company. It is not reliable to be asked to stop the loan business without obtaining the loan business license issued by the relevant department. "Financial management" is often used with "investment and financial management" because "financial management" includes "investment" and "investment" includes "financial management". The so-called financial management is not only about investing in financial management, but also about being invested. If you don't know how to invest, you don't know how to manage money better.