First, if the number of online loans under the user name is small and the amount is not high, it will have little impact on bank loans.
Banks will query users' big data when reviewing loans. Big data is mainly to understand the online loan situation under the user name, mainly including the number of online loan applications, loan amount, overdue amount and other information.
Banks will audit users according to their big data query results. If the number of online loans under the user name is small and the loan amount of online loans is not high, it is still very likely that such users will pass the examination and approval when applying for loans.
Now banks' awareness of online loans is gradually deepening, and many users will also apply for online loans for their daily consumption. For users who have a certain amount of online loans, it does not mean that their repayment ability is relatively poor, and banks are willing to give these users a certain amount of loans.
Second, if the number of online loans under the user name is large, it will have a greater impact on bank loans.
If the number of online loans under the user name is large, it will have a great impact on the user's bank loan application, and the bank has a high probability that the user's repayment ability is poor and he is unable to undertake bank loans.
From the bank's point of view, if there are many online loans under the user name, it means that users are under great financial pressure and should also apply for small online loans. If banks provide loans to users, users will be under great pressure to repay bank loans, and banks are reluctant to provide loans to such users because bank loans are more likely to be risky.
The interest rate of online loans will be higher. Although the loan amount of online loans is not high, the repayment pressure of users is still great. If users apply for online loans, the interest that users need to pay in order to maintain the normal repayment of online loans will be much higher than that of ordinary bank loans, and the pressure on users' liquidity will be greater.
Third, if the online loan under the user name is overdue, it will have a greater impact on bank loans.
If the bank finds that the online loan under the user name is overdue when querying the user's big data, the bank will be very strict in approving the user's loan, and it is difficult for the bank loan to pass the examination.
Many banks will conduct big data screening and credit inquiry on user loan audit, in which big data screening is the first step. If the user's big data screening does not meet the requirements of the bank, the user's bank loan will be directly rejected. If the online loan under the user name is overdue, then most banks will directly refuse the bank loan of such users.
Online loans under user names will definitely have an impact on bank loans, but the impact of the number and amount of online loans on bank loans will be different. If we don't want to be affected by online loans, then try not to apply for online loans. If there is a need for funds, we can apply for loans from banks and other financial institutions to solve our funding problem.