The loan comes from Alibaba Small Loan Company, and Ali Small Loan will report the data to the central bank on its own initiative, but it is not 100%, which is similar to "spot check" and there is a certain probability that it will be drawn.

Ants use it to check credit information, which is a bit of a question of personal value. Some people get caught after using it once, and some people keep using it and borrowing it without checking it, so you should borrow it carefully, or it will be you next time!

Bai Hua is a consumer loan. According to Bai Hua service agreement, it is a consumer financial product, namely "Bai Hua Consumer Credit". Other e-commerce platforms, such as JD.COM Baitiao, Suning Renxing Pay and Pinhua, are all products of the same nature.

These products have reported the user's usage information, especially overdue information, to the credit reporting agency before Bai Hua. According to JD.COM Baitiao, the form of reporting credit information is personal loan business.

The authorized object of flower buds collection is small loan companies, which is very different from banks using credit cards for credit investigation.

According to the Power of Attorney for Inquiring and Submitting Personal Credit Information, the authorized object is Chongqing Ant Microfinance Co., Ltd. ... Because the authorized object is a small loan company, in the credit report of the central bank, the record in Huayuan is a personal consumption loan.

The customer service of Huayuan said that if the use of Huayuan has never expired, it will not affect the credit information, but there is no agreement between Huayuan and the bank to treat the credit information record of microfinance differently from other loan platforms.

"If you go to a bank for a loan, the standards for auditing by different institutions are different. Just like your credit authorization, as long as it is not overdue, it will not adversely affect your credit. " The customer service said.

At present, the borrower has access to the central bank's credit information. Once the repayment is overdue, it will seriously affect the bank loan (more serious than the overdue credit card). For customers who are not overdue, they also need to pay off the loan before applying for a mortgage. "

However, although spending money now does not affect the mortgage, it does not mean that it will not be in the future.