Because once nested, some platforms will quickly realize their own eco-loan products, or block other consumer loans or credit card products, so there will be monopoly suspicion, which will limit consumers' choice, and then bring higher sanctions risks to users. Secondly, when the lender, payment instrument and loan platform all belong to the same company, the loan interest, loan service fee and payment fee will be earned by one company. This will form a closed loop, which will bring great risks to supervision.

The so-called "nesting", in fact, the simplest example is that when users buy goods and pay on e-commerce platforms such as Taobao, they will have options such as bank cards and flower beds when choosing payment channels. One kind of graying is what Yi Gang called "nesting". Because the original user's behavior only belongs to the payment field, but if you choose the flower garden installment or other credit products, you will integrate the credit behavior at the same time of payment.

At present, according to the Administrative Measures for Online Payment Services of Non-bank Payment Institutions, payment accounts shall not be overdrawn, payment institutions shall not open payment accounts for institutions engaged in credit and financial services, and payment institutions shall not operate or operate credit and other services in disguised form.