Why don't offline loan companies collect credit information?

The loan company is not connected to the central bank's credit information system, and its loan products have nothing to do with the credit information system.

1. The loan company is not connected to the central bank's credit information system: therefore, the borrower's credit information cannot be submitted to the credit information system.

2. The loan products of the loan company are not related to the credit information system: therefore, the credit information of the borrower will not be submitted to the credit information system.