Customer service staff of ICBC, China Construction Bank, Industrial Bank and other banks all said that whether to use online loan products has nothing to do with whether to obtain bank loans, and the loans overdue record in personal credit report is the main reason that affects the approval of bank loans.
When banks review loan applications, they all take the personal credit report of the central bank as the main basis for review. The online loan usage records appearing in citizens' personal credit reports have been included in the loan approval consideration like credit card and other loan repayments, and will be comprehensively considered together with other assets and liabilities.
Internet credits such as JD.COM Baitiao, Ant Borrowing, Suning Renxing Payment and Tencent Microfinance have all been connected to the central bank's credit information system, which means that banks can check customers' online loan usage through personal credit information reports. For example, Alipay customer service said that the customer's ant loan is overdue, which will affect personal credit records; JD.COM customer service said that customers' use of JD.COM IOUs will be reported to the central bank's credit information system as required, and customers will be informed before reporting.
If the customer applying for a loan has multiple credit loans from multiple institutions in a short period of time, the bank may be more cautious in approving the loans, but this does not mean that the bank will refuse to lend when the customer borrows products through the Internet.
Extended data:
Issued the Notice on Strengthening the Construction of P2P Online Credit Information System. The notice made it clear that P2P online lending institutions will access the credit reporting institutions, the operating institutions of financial credit information basic databases such as the Central Bank Credit Information Center and Hundred Banks Credit Information.
This means that not only the business data and interest rates of P2P online lending institutions will be submitted to credit reporting agencies, but also individuals who borrow from online lending platforms will be subject to more constraints-if they maliciously evade debts, they will be submitted to the central bank's credit reporting center and Baihang for credit reporting and recorded in personal credit reporting. Next, with the establishment of a cross-local and cross-departmental joint disciplinary mechanism, online loan "Lao Lai" may be punished more.
The interest rate of online loan transactions will also be included in the credit information system. The notice stressed that P2P online lending institutions should collect and submit relevant credit information according to laws and regulations, and provide interest rate information on online lending transactions to credit reporting institutions such as financial credit information basic database operators and 100 bank credit reporting agencies.
But at the same time, if the interest rate exceeds the interest rate supported by the court, the borrower can claim that it will not be returned and will not be included in the credit information system. It is clear in the notice that if the interest rate exceeds the lending rate supported by the people's court in the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, the information subject has the right to raise objections to the financial credit information basic database operating institutions, hundreds of banks' credit reporting institutions, P2P online lending institutions and other credit reporting institutions in accordance with the Regulations on the Administration of Credit Reporting Industry, and demand correction.
People's Daily Online-Does the amount of online loans have an impact on bank loans? Bank: Overdue records are the main reason.
People's Network-The online loan industry is fully integrated into the credit information system