No. Taobao buyers' normal use of Taobao will not affect their credit report. Taobao purchases, returns and exchanges are normal parts of Taobao shopping and will not be related to their credit report. Even frequent returns and exchanges will not have an impact on an individual's credit report. Taobao loans provided by Taobao sellers are associated with the personal credit information system. If the loan is overdue, it will be uploaded to the central bank's personal credit information system, affecting the personal credit information.

Extended information:

Credit reporting includes two aspects: personal credit and corporate credit. Of course, there is also government credit reporting, but it can be ignored.

Enterprise credit reporting refers to the analysis and study of the credit records, operating levels, financial status, external environment and other factors of market participants such as enterprises, bond issuers, financial institutions and so on. , a comprehensive evaluation of its credit ability (mainly its solvency and its degree of repayment). Corporate credit reporting is a comprehensive analysis and measurement of contract performance capabilities and credibility. It is an indispensable intermediary service in the market economy system.

Personal credit reporting refers to the activities in which personal credit reporting agencies established in accordance with the law collect and process personal credit information and provide personal credit information inquiry and evaluation services according to user requirements. A personal credit report is a personal credit history record that a credit reporting agency collects in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to legitimate information inquirers in accordance with the law.

The credit report is based on the "People's Bank of China Releases the Development Report of China's Credit Industry (2003-2013)" forwarded by the Central People's Government of the People's Republic of China and the Central People's Government of the People's Republic of China. The credit report is collected, organized, and A way to save and process the credit information of natural persons, legal persons and other organizations.

The new version of the credit report of the central bank's personal credit reporting system has been launched online, and the "validity period" of overdue records has been officially set to five years. The new version of the credit report sets the starting point for overdue information as October 2009, and previous bad repayment records have been deleted.

Taobao is the largest online retail and business district in the Asia-Pacific region. It was founded by Alibaba Group in May 2003. Taobao is China's most popular online shopping and retail platform, with nearly 500 million registered users. The number of users exceeds 60 million regular visitors every day. At the same time, the number of online products every day has exceeded 800 million, and an average of 48,000 products are sold every minute.

With the expansion of Taobao's scale and the increase in the number of users, Taobao has also transformed from a single C2C online marketplace to include C2C, distribution, auction, direct supply, crowdfunding, customization, etc. A comprehensive retail district including e-commerce model.