Borrowing money is a loan navigation, and there are a lot of loans in it. Whether to borrow money or not can't be generalized, depending on which loan platform is stipulated. Generally speaking, the lending institutions in 58 loans are all formal financial institutions, such as banks and licensed lending institutions, and the risk control is relatively strict, so the loans in 58 loans are likely to be reported to the credit bureau.

Extended data:

What are the application conditions for consumer loans?

1 China citizen with full capacity for civil conduct, 18-65 years old;

2. Abide by laws and regulations, and have no illegal acts and bad credit records;

3. The purpose of the loan is in line with the provisions of the state, and it has the repayment ability and can provide relevant certificates;

Have a fixed residence in China, a certificate of permanent residence in local towns, a good legal job and a stable economic income.

Credit information:

Credit investigation is an ancient word in China. In Zuo Zhuan, there is a saying that "a gentleman's word is a promise, but it is hard to catch up with it", which means that whether a person keeps his word can be verified. With the development of modern credit information system, individuals engaged in economic activities have an "economic identity card" in addition to their resident identity cards, that is, personal credit reports.

The People's Bank of China organized commercial banks to set up credit information systems for enterprises and individuals, and established credit files for more than 30,000 enterprises and nearly 600 million natural persons nationwide. In other words, the credit status of these enterprises and individuals engaged in economic and financial activities will be recorded on the "economic identity card" and become a file that will always accompany the enterprise (himself). If loans overdue has any other breach of contract, then the "economic identity card" will be marked with a gray stroke, and you may face more cautious and critical eyes when applying for loans from banks in the future.

Credit information can restrain the behavior of enterprises and individuals from the system, which is conducive to the formation of a good social credit environment. China has advocated the virtue of honesty and trustworthiness since ancient times, and promoted the formation of the concept of honesty through moral criticism. Honesty is a kind of social morality and a basic principle of communication with people.

Honesty and trustworthiness are indispensable virtues for enterprises and individuals. Shanxi merchants and Huizhou merchants, who once dominated China's commerce for hundreds of years, were able to rise to the peak, one of which was to establish the business philosophy of "honesty-oriented".