Recently, a number of Internet users have reported the rejection of bank loan applications in social media because they were hacked by online letters for 30,000 people. This phenomenon has given rise to a great deal of debate, and many people are discussing it。

Disregarding online blackmails and 30,000 loans

First, we need to clarify the concepts of cyber-black and black-black. Cyber-blacking refers to cases where individuals are attacked on the Internet, stigmatized, defamation, etc., leading to damage to credit. Black letters mean that individuals are marked at the service for reasons such as late repayments and malicious debt evasion, affecting their credit records. Whether the so-called 30,000 loans can be truly proven may be only clear to the parties。

So, how does cyber-black and inquisition affect loans? It is worth noting that banks refer to the credit records of their clients when considering loan applications, of which letters of credit are one of the important indicators. If a person ' s correspondence is not well documented, it may affect his application for a loan or even be rejected. The situation of cyberblack is even more complex, as it may affect the social resources of individuals and diminish their social reputation. This may lead some banks to deny his loan application because they consider the person to be untrustworthy。

So, what do we do with people who get blacked out? First, cases of blackouts can be resolved by paying off arrears or by reaching a settlement with banks. In the case of cyber-blacking, there is a need to actively defend the reputation of individuals, to participate in public service activities and to create a positive image. At the same time, consideration could be given to filing a complaint or bringing a case before the competent authorities。

In addition, for banks, there is a need to strengthen manual auditing and to combine multiple indicators to judge the credit records of applicants. In particular, those who have already been blacked and blacked out should be examined from multiple angles on a case-by-case basis and should not rely solely on one indicator as a reason for refusing to apply for credit. At the same time, there is a need for more equitable credit evaluation systems to prevent malicious attacks and traps。

In general, the question of whether being blacked out on the Internet affects a loan application needs to be judged on a different basis. But in any case, we should be active in preserving the credibility of individuals and the reputation of society, in establishing a good credit record and in avoiding the erosion of our credibility. At the same time, there is a need for more equitable and accurate credit evaluation systems in banks and related sectors to provide more equitable financial services to the population at large。