Legal basis: Article 16 of the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.
"It generally takes five years to eliminate the online loan records in the credit information, while the online loan records in the online loan database can be eliminated in only 12 months. If it is not overdue, it will generally have no impact, so don't worry too much.
Many people mistakenly believe that the online loan pass rate affected by online loan records is actually the online loan pass rate affected by the online loan black index.
Once it becomes a blacklist of online loans, both online loans and car loan applications will be rejected, affecting flower beds and loan quotas, and even causing flower beds and loans to be blocked.
Therefore, if you apply for online loans for a long time, you must check your online loan black index score in time to prevent yourself from becoming a blacklist of online loans without knowing it.
1. Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court. Network micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.
2.P2P online lending, that is, peer-to-peer lending, refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.
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