Ping An Pratt & Whitney's high-risk customers include customers with bad credit records, customers with unclear loan purposes, and customers engaged in high-risk industries.

1. Customers with bad credit records: including overdue credit cards, loan defaults, tax arrears, arrears, etc. This kind of customer has high credit risk, which will cause losses to Ping An Pratt & Whitney's loan assets.

2. Customers with unknown loan purposes: These customers have unknown loan purposes, which may be used for illegal activities or high-risk investments, and there is a certain risk of default.

3. Customers engaged in high-risk industries, such as peer-to-peer lending, stock matching, gambling and other industries, have high operational risks and investment risks.