credit reporting on the Golden Wharf loan. According to the Regulations on the Administration of Credit Information Industry, the loan situation of Golden Wharf will be uploaded to the credit information system according to the regulations. In case of malicious overdue repayment by the borrower, Golden Wharf will upload the borrower's record of dishonesty to the credit information system, which will be kept for five years according to the serious circumstances and two years according to the minor circumstances.