Let's go Official website, Credit Information Center of the People's Bank of China, shows that Huanbai has established a strategic cooperative relationship with the Credit Information Center of the People's Bank of China, keeping pace with the credit information system in loan application, repayment records and overdue records. As a formal financial institution, its loan application and repayment records will be recorded in the credit report. If the borrower fails to repay on time, the overdue records will also be recorded in the credit report, which will have a negative impact on personal credit.