If the company has access to the central bank credit system, then the borrower does not pay the loan will certainly produce bad credit records. On the other hand, if you do not have access to the credit system, the late record will not be recorded in the credit report. But now there is big data in online lending, and once overdue other lending is also affected.

As of now, the People's Republic of China personal credit can be queried through two channels:

One, carry my ID card or entrusted ID card and power of attorney, go to the location of the People's Bank of China credit inquiry window to provide ID cards for printing personal credit records;

Two, open the official website of the People's Republic of China Credit Center, the cell phone number with the ID card to register for an account, and submit a personal query column in the Individual query column to submit a personal credit record query application, usually within 72 hours the phone will receive the query code sent by the credit center. Open the official website of the People's Credit Center again to log in to register an account, in the personal query column enter the query code of the cell phone text message can be accessed personal credit information, in the bottom of the page can be generated to download and save the PDF document.