Thank you for your invitation: The word Lao Lai came into being when the credit loan system was not perfect. In November 2013, the Executive Board of the Supreme Court signed a memorandum of cooperation with the Credit Information Center to jointly clarify the relevant operating procedures for incorporating the information of those who have lost their trust into the credit information system. In the future, the information of the list of people who have lost their trust will be integrated into the credit file of the person who has been executed, and will be provided to financial institutions and other units in the form of credit reports, so as to prevent the old lai from continuing to default, and those with poor credit information will resolutely refuse to lend. Nowadays, both the private sector and banks are very cautious in lending. It is difficult to borrow money without collateral. Although it is easy to do it with a credit card, all the information is perfect … I&;m afraid you can&;t move if you don&;t pay back. First of all, you are on a business trip, and your travel, air tickets and accommodation are all controlled unless you don&;t go out. But also open your name, tell you everything, see where you run. Not only the faithless person himself, but also his family will be restricted from buying high-end goods, houses, means of transportation, and children are not allowed to go to colleges and universities. Therefore, in the future, if you want to hold the idea of defaulting on your debts, you should stop it early. You have no chance.