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Can Huan Taihua's online loan not be compensated?
You can't. Since Huantaihua's online loan is connected to the central bank's credit information, if it is not returned, the system will truthfully report the credit information, so the most direct harm of not returning it is that it will affect your personal credit record and produce bad records, so it is not allowed. Huantaihua's online loan will adversely affect users' application for loans in Huantai or other financial institutions.