The big data on the Bailiwick is what is commonly known as the private credit, which is not on the People's Bank of China's central bank credit.

The big data of Bailong can check the number of loans, debt ratio, repayment ability and so on. If the user has made transactions in several lending platforms, and the debt ratio is high while generating many late records, it will leave bad records in Bailong's data, and the serious ones will be included in the blacklist.