# Cautious advice on online lending and investment I understand that you may be looking for a source of investment funds, but I need to remind you that there are significant risks in obtaining investment funds through borrowing.： -**High debt risk**: If the investment fails, you still have to repay the principal and interest -**Possible violations**: Many regions have strict supervision over "raising investment with loans" -**Credit risk**: Overdue repayment will seriously affect personal credit history ## Suggestions for safer investment methods： 1. Use your own idle funds to invest 2. Learn about compliant investment products from regular banks or financial institutions 3. Consult a professional financial adviser to develop an investment plan that meets your risk tolerance If you do need to know about lending information, it is recommended to consult with a regular bank or a licensed financial institution to avoid the risks posed by illegal platforms. What is your current focus of financial planning? Maybe I can provide other safer suggestions.