With the development of web-based finance, many new types of credit have been created. One of the most important of these concerns is particulate lending, whose flexible and convenient character is favoured. However, many have doubts about the relationship between particulate and bank loans, particularly as to whether they will have an impact on bank loans. We will analyse the impact of particulate lending on bank loans from several angles。

Is there a particle loan affecting bank loans

First, from a bank ' s point of view, particulate lending does not directly affect bank lending. While banks ' credit appraisals of individuals are considered on the basis of their credit records, income, occupation, and so forth, micro-prime loans are only a new type of short-term microcredit and are not of the same type and nature as bank loans. As a result, it does not have any substantial impact on bank approval of loans。

Secondly, from a personal point of view, whether or not a granule loan affects a bank's lending primarily depending on the individual's repayment. If a person repays on time, his personal credit rating will not be disproportionately affected, whether he has used a loan or other form of credit. On the contrary, if a person defaults on a particulate loan, his credit records will be affected, which will affect his success in applying for bank loans in the future。

Third, from a market point of view, particulate and bank loans are not an absolute competitive relationship. Although particulate lending may to some extent replace bank microloans, it is only one of the subdivisions for the credit market as a whole. Banks and particulates are not opposing, and they can complement each other in different areas rather than competing. Therefore, the emergence of particulate lending does not have a significant impact on the entire bank lending market。

Finally, from a regulatory point of view, the regulatory system for particulate and bank loans is not the same. Although particulate lending also requires compliance with relevant regulations and regimes, its regulation is relatively weak and prone to variations. As a traditional credit institution, banks are relatively well regulated, and the stability and proper functioning of the system can be ensured through a rigorous regulatory system。

In summary, the relationship between particulate and bank loans is not a simple competing relationship. The impact of particulate loans on bank loans is mainly related to individual repayments, and they are not mutually exclusive in the market. The emergence of particulate loans offers more credit options, but their use requires careful consideration of their repayment capacity and creditworthiness。