According to Cai Xi's survey. The lack of online loan credit information generally does not affect bank loans for the following reasons:

1. If the online loan does not go to the central bank for credit information, it mainly submits big data, so it will not leave relevant information in the personal credit report.

2. Bank approval is mainly about checking credit information, which is not directly related to big data. It is naturally impossible for banks to know how online loans are made. In this way, the borrower went to the bank for a loan, and the bank could not find his online loan information. As long as the borrower's personal credit is good, there is no record of bad information, and he can provide enough economic income data to prove that he has the ability to repay the principal and interest of the loan on time, the loan often has a chance to be successfully handled.