According to the data, Bai Sheng is a one-stop financial APP focusing on linking young people and financial services. It empowers licensed financial institutions through financial technology innovation and is regulated by the national financial system, so it belongs to a formal Internet loan product.

The provincial loan is a kind of online loan, which has a great influence on personal credit information. Therefore, it is not recommended to use online loans, which will have a great impact on buying a car and buying a house in the future, and even affect the loan application. So it is not recommended.

I remember a friend Xiao Guo. When I was in college, I had to borrow online loans to meet my own needs because I was ahead of consumption. By the time I graduated from college, my credit report was heavily in debt. After working for several years, I want to apply for a loan to buy a house and get married, so I regret going to the bank to get a credit report.

Because my credit information shows that there are many online loans, and it has a very bad influence on personal credit information. At that time, Xiao Guo was dumbfounded himself. If he didn't apply for an online loan when he was at school, it would be easy to get a loan now. Now, due to my poor credit reporting, it shows that there are too many online loans, which has a serious impact on my credit reporting. Finally, I can't buy a house.

It can be seen from this incident that online lending has a great influence on a person. Although these institutions are now supervised by the state, they are also formal institutions. But it is very big for personal influence, so we should consider a risk and authenticity when applying to protect our credit information from being affected.

Here are a few more reliable ways to raise money.

First: bank loans.

If I need a loan urgently, I think it is more appropriate to apply for a formal loan directly from the bank. Because banks belong to national financial institutions and are supervised by the national financial system, any contracts and loan agreements are protected by law. If you are short of money, you can apply to the bank. As long as there is no problem with the credit information, it will generally pass.

Second: credit card.

If you don't need much money, you can also meet your temporary needs by credit card. This will not increase your consumption, but it can also effectively help you solve your immediate difficulties.

Third: mortgage loan.

If you are in business, or you are very short of money. I think we can get a mortgage loan directly from the bank, which not only has a low interest rate, but also can solve our own funding gap. This is a very good solution.

Summary: Nowadays, people use money in various ways. When we need money badly, we must borrow money through formal channels. Otherwise, it is easy to go astray and even let yourself have bad credit information.