Clicking on the loan link at will through the mobile phone has a record of refusing the loan, which leads to a decline in the credit rating of the loan and will affect the formal channels for handling bank loans.

The so-called loan refers to the monetary funds provided by lending institutions (commercial banks and other financial institutions in China) to borrowers and repaid the principal and interest at the agreed interest rate and time limit. The loan currency can be RMB or foreign currency.