Generally, the central bank will collect credit information at bank loans and credit card meetings, while applying for loans at small loan companies such as pat-pat loans will lead to hundreds of lines of credit information collection and then information sharing. If the user fails to repay the loan, the overdue record will be recorded in the credit report of 100 banks, so the institutions accessing the credit report of 100 banks can find it, which will have a bad influence on the borrower's credit. Therefore, the auction loan still needs to be paid off, so as not to affect the bank tax loan.