At present, many banks are cooperating with some big data platforms. When users submit loan applications and credit card applications, they will not only review their identity information, but also review their personal loan credits.

Generally speaking, the bank will first review the user's central bank credit information, followed by the user's personal basic information, deposit information, financial information and other data in the bank, and then the online loan big data obtained by the bank in cooperation with other third-party online loan credit information platforms.

The user's loan application cannot be approved until all three aspects have been passed. Users can also check the credit status of personal online loans in the official account of Baiyi Data WeChat.