Bad bank records refer to negative records resulting from the borrower's failure to repay on time or default as stipulated in the contract. When banks process loan business, they will conduct a credit assessment on the borrower. If the assessment result is not good, it will be recorded on the record, which is called a bad record. A bad record will have a great impact on the borrower's future loan applications and may even cause banks to reject subsequent loan applications.

Bad records are also a major risk for banks. The core purpose of bank lending is to hope that borrowers can repay on time, so the quality of bank loans also determines the bank's economic benefits to a certain extent. The emergence of bad records directly affects the bank's risk control and value assessment, which undoubtedly increases the bank's operating costs and reduces the bank's profitability.

For borrowers, the impact of bad bank records on personal credit evaluation is also quite serious. Once a borrower's credit record is damaged, it will affect future transactions and life. For example, credit cards are frozen, loan interest rates are higher, etc. Therefore, when borrowing from banks, borrowers should maintain good repayment habits and carefully plan the purpose of borrowing and repayment methods to avoid the negative consequences of bad credit.