For many Taobao shopkeepers, it is actually very difficult to run a Taobao shop now. Fortunately, Taobao launched a Taobao loan for merchants, which helped many Taobao shopkeepers with cash flow difficulties solve great problems. So Taobao loans overdue, does it have an impact on personal credit?

Whether Taobao loans overdue will affect the credit record is related to the loan institution chosen by the borrower, because Taobao loans are issued by Ali Small Loan Company and cooperative banks. If you apply for a Taobao loan in a bank, the overdue loan record will be included in the central bank's credit information system, which will affect the personal credit information record and then affect the loan business.

If you apply for a loan from Ali Small Loan Company, your personal credit record will not be affected, but you will be penalized. If the overdue circumstances are serious, your store will be closed.

I believe everyone has a certain understanding of this issue. The world suggests that you still need to have an accurate understanding of your repayment ability before applying for a loan. I hope that the introduction to the world can bring you some help.