A white bank account refers to a person who has never applied for a loan or credit card from any financial institution, and his personal information has not been entered by the Credit Information Center of the People's Bank of China.

Generally speaking, for white bank households, banks or financial institutions can't find out your spending power, repayment ability and credit status, and can't make an objective and reasonable judgment.

Therefore, it is much more difficult for white households to apply for loans than for customers with credit records. Without personal credit records, banks can't guarantee whether borrowers can repay in full and on time. In order to control their own credit risks, they will generally lend cautiously, even if they agree to loans, the amount will not be ideal.

Extended information:

Ways to improve the pass rate of white-family loans

1. Apply for a credit card appropriately, so as to repay in full and on time, develop good repayment habits, avoid overdue and improve credit.

2. increase the third-party credit score. For example, Sesame Credit and Tencent Credit have been accessed by many institutions.

3. Personal identity information is true and valid.

4. Have valid identification, fixed and detailed address and full capacity for civil conduct.

5. Choose the appropriate loan amount and have the ability to repay the principal and interest in full and on time.

Baidu Encyclopedia-Personal Unsecured Microfinance

Baidu Encyclopedia-Personal Credit Information