Generally, large loans from banks or online will be based on credit information, so the Shanghai loan of 5 million will be based on credit information.

Credit investigation is a Chinese vocabulary, and its pinyin is zhēngxìn, which means to collect, sort out, save and process the credit information of natural persons, legal persons and other organizations according to law, provide credit reports, credit evaluation, credit information consultation and other services, help customers judge and control credit risks, and carry out credit management activities.