Mojui is a small-amount loan product under Dianrong. Under normal circumstances, when a borrower applies for a small-amount loan, the loan platform will not check the central bank's credit record. However, considering that Dianrong is one of the standing directors of the China Internet Finance Association, Mojui should be connected to the central bank’s credit reporting system. If a borrower commits serious overdue behavior in Mobi, it will still have an impact on his or her credit report.

Faced with a variety of small loan platforms, borrowers can choose from the following aspects:

(1) Platform currency qualifications. Before applying for a loan, borrowers must first understand whether the borrowing platform has qualified licenses and see if there is any fraud on the platform. For those illegal lending platforms, it is impossible for them to register with the industrial and commercial administration department and obtain legal licenses.

(2) Comprehensive selection. Borrowers should make a comprehensive comparison of the platform's qualification requirements, loan amount, loan interest, review and loan speed based on their actual needs to determine which platform has the highest cost performance. Borrowers need to note that there is almost no borrowing platform that can completely satisfy them. When making selections, borrowers must make reasonable choices based on their own circumstances.