Judgment principle: See whether the actual lender in the loan agreement has the qualification for credit reporting.
1. The lending institution itself has been connected to the credit information system.
Banks and financial institutions in the market are basically reporting credit information, not to mention banks. Consumer financial institutions are lending institutions approved by the CBRC, so they should report credit information according to regulations.
Products with bank participation, such as installment music, premium installment, installment thousand yuan mobile phone, and provincial storage products of Harbin Bank Longqing Branch; Hengfeng bank: Still; Bank of Nanjing, part-time lender.
Private banks, online merchant banks (loans) and Weizhong banks (micro-loans);
Licensed microfinance companies, such as Chongqing Alibaba Microfinance Company, Beijing Lacarra Microfinance Co., Ltd., Shenzhen Ping An inclusive microcredit Co., Ltd., Shenzhen Zhongxing Microfinance Co., Ltd. (Flying Loan), Shenzhen Zhongxing Microfinance Co., Ltd. (Microfinance), Shanghai Weixin Huizhi Financial Technology Co., Ltd. (Kaka, Doudou, etc. ) and Shenzhen Zhongan Xinye Microfinance Co., Ltd. ..
2. Although it has no access to the credit information system, it cooperates with companies that have access to the credit information system through the joint loan model to achieve the purpose of accessing the credit information. For example, JD.COM Gold Bar authorizes Shanghai Bank to inquire;
3. Lending institutions can cooperate with other institutions that have already participated in credit reporting, such as Mingte Quantification and Zhang Zhong's credit reporting through Huarong Consumer Finance.
To sum up, online lending institutions can generally be found in official website. If you write clearly, you don't need to say more. If it is not written, look at the lending institution. If it is a bank financial institution, it will be reported.