For example, some online small loans, because the platform itself or its cooperative financial institutions have access to the central bank's credit information, the overdue situation will be submitted to the central bank for credit information by the system, leaving bad information in the personal credit information report, which will naturally affect bank loans.

Because bank loans will inevitably query customers' credit information when they are approved, so as to understand their credit status. Once the overdue bad records are found in the customer's credit information, there will be credit problems, and the loan will naturally be refused on the grounds of high lending risk.

Most of the online small loans are not connected to the central bank's credit information, and the overdue situation is basically to submit big data, which naturally has little impact on bank loans. After all, when approving bank loans, it is mainly to check credit information, which is not directly related to big data.

Of course, whether it will have an impact or not, customers are advised to develop a good habit of repaying on time and try to avoid overdue. If it is overdue, we should also find ways to pay off the arrears as soon as possible, so as not to continue to delay the arrears and generate more penalty interest, resulting in more serious adverse consequences.