Supplementary information:

First, the "black households" in a broad sense include:

1. People who live in this world but are not recognized by the state. For example, children who are too young to register their accounts, and people who have lost their accounts for various reasons.

2. People who have lived and worked in non-registered cities for a long time (for example, more than two years) (subconsciously think that urban people are not counted in rural areas). Of course, those who stay temporarily, such as studying, seeing a doctor, playing, visiting relatives and friends, are not included.

3. People who have studied and worked in a certain industry for a long time, but the facts are not recognized, are also counted as a series of "black households". For example, children who have no student status at school; Temporary workers who have worked in the factory for many years but are not in the establishment; "Substitute teachers", "private teachers" and "kindergarten teachers" are like mothers who have been teaching on the podium for decades without being recognized by the education department.

Second, in a narrow sense, work, family, housing and social relations all exist in a certain city, but they are still regarded as a heterogeneous group of people in this city.

III. The following are about illegal households, which can be selected according to the borrower's own conditions:

1. Private lending. In this case, the loan company may require the borrower to provide more proof of repayment ability when handling the loan. If the borrower has a mortgage in his name, whether he has a real estate or not, and whether the nature of his work is stable, the pre-loan review will be more severe. At the same time, if a black household applies for a loan, the lending institution may increase the borrower's loan interest rate or reduce the borrower's loan amount as appropriate.

2. If black households want to apply for loans, they can try to apply for loans from banks through local loan companies, which is one of the channels for black households to apply for loans.

3. Find a loan company. Lending companies usually value collateral more than personal credit. If the borrower borrows money through the loan company and can provide collateral, it will be easier to obtain funds. "