Legal analysis: Loan compensation will cause the borrower's compensation information to be displayed not only behind the platform, but also in personal credit information. In fact, insurance compensation is similar to the loans overdue record. Once insurance claims appear in personal credit information, it will affect other financial loan applications. If the lender fails to repay the loan after the insurance payment, the longer the time, the worse the credit qualification, thus entering the credit blacklist.

Legal basis: Article 17 of the State Compensation Law of People's Republic of China (PRC), as well as detention centers, prison management organs and their staff who infringe upon personal rights in the exercise of their functions and powers, are entitled to compensation: (1) Taking detention measures against citizens in violation of the provisions of the Criminal Procedure Law, or taking detention measures against citizens in accordance with the conditions and procedures stipulated in the Criminal Procedure Law, but the detention time exceeds the time limit stipulated in the Criminal Procedure Law, and then. (2) After taking measures to arrest a citizen, he decides to dismiss the case, not to prosecute, or to terminate the investigation of criminal responsibility after being acquitted; (three) according to the procedure of trial supervision, the retrial is changed to innocence, and the original sentence has been executed; (4) extorting a confession by torture or beating or maltreating others, causing bodily injury or death to citizens, or instigating or conniving others to beat or maltreat others; (five) the illegal use of weapons and police equipment, resulting in physical injury or death of citizens.