The number of post-loan management times does not affect your credit report.

1. Banks will conduct routine post-loan management basically every month. If the borrower has recently had a high credit card overspending or abnormal loan, etc., the bank will also conduct post-loan management and will not do any personal damage to you. Credit reporting is affected.

2. Loan management: Post-loan management in credit reporting refers to a kind of credit reporting management of users by banks or financial institutions after issuing credit cards or lending, and checking the user’s credit reporting at intervals. Report to ensure that personal financial status or repayment ability is normal and no new bad credit behavior has occurred.

3. Under normal circumstances, post-loan management of credit reports will not have a negative impact on personal credit reports. What affects personal credit reports are overdue, cash-out and other bad credit behaviors or high debt.

4. Multiple post-loan management times will not affect your credit report. Post-loan management is a normal inquiry, mainly to prevent risks and control the occurrence of bad credit, and is an important part of the risk control of financial institutions. The main factors that affect personal credit are excessive approval inquiry records and overdue repayment records. The number of post-loan management has little impact.

Rules for post-loan management:

1. Systematic principle: For many institutions, doing a good job in post-loan management of small and micro customers is a huge systematic project. Therefore, systematic consideration is needed, mainly reflected in linkage, comprehensiveness and hierarchy. Linkage refers to the linkage between the three links before, during and after the loan, as explained above; comprehensiveness refers to the full coverage of customers (all credit customers need to be included in the post-loan management system) and the full coverage of risk points (for small and micro enterprises). All common risk points of customers must be included in the post-loan management system); hierarchy refers to stratifying customers based on comprehensive ratings, actual repayment situations and unexpected factors, and formulating different post-loan management mechanisms based on customer situations at different levels. Let something go.

2. Principle of practicality; for institutions, doing a good job in post-loan management of small and micro customers mainly serves risk control, rather than formalism, so its practicality must be considered, which is reflected in the implementation of Local, applicable and information-based. Institutions first consider how to truly implement post-loan management.

So the number of times the loan is managed has no impact on the credit report.