However, it is the general trend for P2P to be included in the credit information system. More than 40 online lending companies have access to the Internet financial risk information sharing system established by the Payment and Clearing Association under the central bank.
Even if you don't go to the credit investigation now, you may go to the credit investigation later if you breach the contract, so it is only natural to borrow money and pay back the money, so don't take any chances.