There are too many applications for online loans, and it is impossible for users to delete loan records. Users can only pay off their loans and reduce some liabilities, so as to reduce the impact of excessive application for online loans. The normal loan record of online loan will remain in the credit report even after settlement, and the record cannot be deleted. However, the loan record of timely repayment is a part of personal credit information, so users don't have to worry that the record of timely repayment will affect their credit.

The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.

Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court. Network micro-loan refers to a micro-loan company controlled by an Internet company, which uses the Internet to provide micro-loans to customers. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.

How to eliminate too many online loans?

There are too many applications for online loans, and it is impossible for users to delete loan records. Users can only pay off loans, reduce some debts and reduce the impact of excessive application for online loans. The normal loan records of online loans, even if settled, will remain in the credit report. This record cannot be deleted. However, the loan record of timely repayment is a part of personal credit information, so users don't have to worry that the record of timely repayment will affect their credit. Extended information: The essence of Internet still belongs to finance, and it has not changed the characteristics of financial risks, such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new business form. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. Encourage innovation, strengthen supervision and support each other, promote the healthy development of internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations and resolutely crack down on illegal activities. Including peer-to-peer lending, personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. The direct lending behavior on the personal peer-to-peer lending platform belongs to the category of private lending and is regulated by the Contract Law, General Principles of the Civil Law, Relevant Judicial Interpretation of the Supreme People's Court and other laws and regulations. Internet micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. Network microfinance should meet the existing regulatory requirements of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce customer financing costs. Personal-to-personal loan business is supervised by CBRC. Platform supervision, from five or six thousand at most to the end of June, only 29 companies are operating, and the special rectification work may basically end at the end of the year and turn into regular supervision. Internet credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is: Internet credit companies provide a platform for borrowers and borrowers to bid freely to reach a deal. Under the traditional P2P model, the online lending platform only provides services such as information circulation interaction and information value appraisal, which are helpful to the completion of the transaction, and does not actually participate in the lending interest chain. Lenders and borrowers are in direct creditor-debtor relationship, and the online lending platform maintains its operation by charging certain fees to both borrowers and borrowers. In China, due to the nonstandard citizen credit system, it is difficult for the traditional P2P model to protect the interests of investors. How to clean up too many online loan registrations?

Eliminate too many online loan application records:

First, settle the online loan. Too many online loans will lead to the high personal debt ratio of users, and the inquiry records of applying for online loans will also make users' personal credit information "spent". Therefore, it is recommended that borrowers settle accounts through online loans to reduce personal debt ratio and avoid affecting personal credit information.

Second, stop applying for new online loans. To eliminate the online loan record, the first thing to do is to stop applying for new online loans. Because most financial institutions generally only inquire about the online loan records applied by users in the past year when reviewing loans, as long as users' online loans are not overdue and they no longer apply for new online loans, the situation that users' credit information becomes "useless" after a period of time can be improved.

After doing the above, users should control themselves for a long time and don't apply for online loans frequently in the short term, otherwise the previous efforts will be in vain. Don't apply for unnecessary online loans, but appropriate online loans and good repayment habits after applying for online loans can accumulate personal credit for users.

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