First, the personal credit report of online loan users will be affected. At present, some network platforms have been connected to the central bank's credit information system, all of which are formal loan platforms implemented in strict accordance with the credit information management norms of the People's Bank of China. If the borrower is seriously overdue, the platform has the responsibility to upload the borrower's overdue records to the central bank's credit information system, which will adversely affect the borrower's personal credit information. Once overdue, the applicant can no longer apply for loans from banks or other financial institutions. Although many online loans have not been connected to credit information, they have already connected to big data.

Second, when reviewing user information, the online lending platform will not only inquire about user qualifications, but also pay attention to the Internet black index.

Wechat search: Juyouxin data. You can know the user's online black index score, online loan credit data and so on.

The database cooperates with more than 2,000 online lending platforms, and the queried data is very accurate and comprehensive.

3. If the borrower fails to repay the loan within the time limit, the borrower will face court prosecution. If the borrower still refuses to repay the loan at this time, the platform will take the borrower to court, and then the court will include this part of the borrower in the court's list of untrustworthy execution, which is what people call "Lao Lai". If these borrowers become old lai, their travel will become very difficult.

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