This incisive conclusion is that online lending software with credit information needs to repay, while online lending software without credit information will not repay, and it will not be affected without credit information. In post bars and forums, I often see "Is this mouth stable?" "Is there a credit report on this mouth?" . In the long run, these people regard online lending software as a "nugget" and frantically can't find online lending software loans for credit reporting.
What are the criteria for judging online lending software? Lenders of online lending software are the main criteria for judging whether online lending software can not receive credit information. If the lender of online lending software is a licensed bank or a formal financial institution, then this online lending software will collect credit at the meeting; If the lender of online lending software is not a licensed bank or a formal financial institution, then this online lending software cannot conduct credit investigation.
Many people don't understand how a licensed bank can tell the difference. In fact, it is easy to tell the difference. Licensed means holding a business license of a financial institution, which is issued by the People's Bank of China and can be found on the official website of the People's Bank of China.
What are the formal financial institutions? Commercial banks, insurance companies, trust companies, finance companies, leasing companies, asset management companies and some small loan companies. Under normal circumstances, if you see that the lender is a bank or an insurance company, then this online lending software is used for credit reporting.
What is the lender looking for? Lenders are on the loan details page, and users can find lenders as long as they borrow money. Most online lending software can borrow at least 1 yuan, that is to say, borrowers only need to pay 1 yuan to know that online lending software cannot receive credit information.