According to the understanding of lending financial institutions on the grey list of online loans, the grey list group is superior to the blacklist and is between the blacklist and the white list. With the large-scale development of the Internet, its coverage area is increasing. Then, will the gray list of online loans affect bank loans?

Will the grey list of online loans affect bank loans?

The grey list of online loans will affect bank loans. The grey list of online loans means that online loan borrowers have not been blacklisted. In the past, sensitive behaviors had a certain risk of default, and these people had a low willingness to repay. In order to control the non-performing rate of loans, small loan companies will pull users with low repayment willingness into the gray list of online loans. When these customers want to apply for a loan, some loan companies will directly refuse the loan. With the continuous improvement of the grey list of online loans and network big data, the grey list of online loans will also affect bank loans.

Generally speaking, the grey list is generally generated through big data risk control collection. If you apply for online loans, you must pay attention to moderate and timely repayment. Because there are many online loan applications or overdue cases, it will affect personal credit and then affect bank loans.