Reason:

1. Credit information system: China has a credit information system, which is mainly managed by the People's Bank of China and records personal credit information. Online lending institutions usually report the borrower's repayment to the credit information system.

2. Impact on credit record: If the borrower fails to repay the online loan on time, the overdue record will be reported to the credit system, which will have a negative impact on personal credit record. This may lead to restrictions or stricter conditions on future loans, credit card applications and other financial services.

3. Credit evaluation: The credit records in the credit information system will be used by financial institutions to evaluate the credit risk of borrowers. The borrower's credit status will become an important factor in whether to approve loans and loan interest rates.

Summary:

Credit information is collected at the online loan repayment meeting mainly because the credit information system records personal credit information and is used by financial institutions for credit evaluation. The borrower should repay the loan on time to avoid a negative impact on the personal credit record.

Related information:

Credit information system is a part of domestic credit system, which is of great significance to the financial industry and individual citizens. Credit data is not only used for credit approval, but also for bank risk control, credit card issuance, renting, employment recruitment and so on. Therefore, maintaining a good credit record is very important for personal financial life and social interaction.