1. The online loan is overdue for 6 consecutive times, and the online loan big data may be blacklisted by the institution, resulting in bad online loan big data;

2. There are too many applications, and the online loan big data records repeatedly inquired by other institutions lead to too much big data;

3. The user's mobile phone number and identity information are borrowed more, which will lead to bad big data. Details can be found in Alipay data.