There are three kinds of credit databases: online loan database, bank credit database and central bank credit database.

1. The general online loan database can't count online loans with credit information, and basically all online loans without credit information will be uploaded to the online loan database.

2. Hundreds of banks make statistics on the loan data of some P2P online lending platforms.

3. The central bank's credit information only counts the loan data information of formal online loans.

Generally speaking, if you want to query the online loan data report, you only need to query the online loan data and the central bank's credit information.

Online loan data can directly view the data of some P2P online loan platforms.

Online loans are currently divided into the following categories:

1, compliant licensed online lending company

Generally speaking, compliant licensees will access hundreds of credit reports if they cannot access the central bank's credit reports. At present, there are hundreds of financial institutions that are connected with Baihang Credit Information, which basically covers all compliance licensees. Although the influence of bank credit reporting is not as great as that of the central bank, the credit system of bank credit reporting is becoming more and more perfect and its influence will gradually increase.

2 Alipay, micro-credit and other micro-loans

This kind of online loan was clearly notified by the central bank. If you are not sure, you can pull the central bank's credit report about two months after borrowing. If the loan amount is reflected in the report, it is usually reported at the meeting. Generally speaking, this kind of online loan is basically. This platform is best not to be overdue.

3. Consumer loans such as installment music and Amy.

Generally speaking, such online lending platforms bear the guarantee responsibility. Lenders are financial institutions such as banks. You can check whether the lender is a bank in the loan contract. Generally speaking, such online lending platforms are capable of collecting credit from the central bank, but short-term overdue is generally impossible, and malicious overdue is basically possible.

4. Non-compliant institutions

At present, there are thousands of such platforms in China. Such institutions will not receive all the credit information, but if they will use various means to harass relatives and family after the deadline, such platforms must be as far away as possible.