1, the loan is used for different purposes.
Personal consumption credit loans are mainly used to meet personal consumption needs, such as the purchase of home appliances, tourism, education and so on. Operating loans are used to support business activities, such as purchasing equipment and expanding production scale.
2. Different repayment sources
The repayment of personal consumption credit loans mainly depends on personal income and other repayment guarantee measures, such as collateral. The repayment of operating loans depends on the operating income of the enterprise, and repayment guarantee can also be provided through the collateral of the enterprise.
3. Different risk assessment methods.
In personal consumption credit loans, banks mainly pay attention to personal credit records and personal repayment ability to evaluate the credit risk of loan applicants. In operating loans, banks will pay more attention to the operating conditions and repayment ability of enterprises, and comprehensively consider the profitability and market prospects of enterprises for risk assessment.
To sum up, there are obvious differences between personal consumption credit loans and commercial loans in terms of loan purposes, repayment sources and risk assessment methods.
Regarding the handling of overdue online loans, you can get a big data report through Sixi data, understand your overdue records, classify your online loans, and distinguish between formal and informal, loan-seeking and non-loan-seeking. If you want to pay back the money but don't have enough funds, you can negotiate with the online lending platform to give priority to paying off the officially granted loans and reduce the impact on your personal credit record.