Legal analysis: Under normal circumstances, when making a commercial loan, it will definitely involve credit issues, so you need to provide a credit report when applying for a loan on the loan platform. Through the personal credit report, the commercial bank can know the current debt situation of the applicant, and then analyze and judge the repayment ability of the borrower according to the applicant's occupation, income and collateral, and decide whether to lend to it.

Legal basis: Regulations on the Administration of Credit Information Industry

Article 13 Personal information shall be collected with the consent of the information subject, and shall not be collected without its consent. However, information disclosed in accordance with laws and administrative regulations is excluded.

Information related to the performance of duties by directors, supervisors and senior managers of an enterprise shall not be regarded as personal information.

Article 14 It is forbidden for credit reporting agencies to collect personal religious beliefs, genes, fingerprints, blood types, diseases and medical history information and other personal information prohibited by laws and administrative regulations.

Credit institutions shall not collect information such as personal income, deposits, securities, commercial insurance, real estate and tax payment. However, unless the credit reporting agency explicitly informs the information subject of the possible adverse consequences of providing information and obtains its written consent.

Fifteenth information providers to provide personal bad information to credit reporting agencies, should inform the information subject in advance. However, bad information disclosed in accordance with laws and administrative regulations is excluded.