The reason why Gansu Rural Credit Cooperative became a non-white list user is that the arrears are overdue. Non-whitelist users refer to users who have been blacklisted. If blacklisted in a bank, it refers to users who have been listed by the relevant bank for a long time as refusing credit, failing to make repeated dunning, illegally cashing out, etc. Blacklist data is kept in the personal credit information system of the central bank for five years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years.

Banks attach great importance to the borrower's occupation, because of some occupational characteristics, the income stability will be different. Generally speaking, all the customers who can enter the white list of banks are civil servants.