In the process of offline non-standard loan approval, the requirements for credit reporting are relatively loose, but it does not mean that credit reporting is completely ignored. In the business process, the mortgagor is not required to authorize the credit, but the bank needs to provide the paper version of the credit information when handling the mortgage loan.

Therefore, although the scale of offline non-standard loans is relatively large, there are still certain requirements for credit reporting, and credit reporting cannot be completely ignored.