What you want to ask is, can people with illegal bank credit records go abroad? Can't.
According to the query on Baidu Lulin.com, we learned that those with bank credit records are not allowed to go abroad. If the so-called "black account" refers to a dishonest person whose credit record is enforced by the court, it is usually impossible to apply for a passport. What is broken is that the person subject to execution can apply for a passport after the execution is completed.
Article 17 of the "Administrative Measures for the Issuance of Ordinary Passports and Entry-Exit Passes of the People's Republic of China" If the applicant has any of the following circumstances, the exit-entry administration agency of the public security organ shall not issue an ordinary passport:
Those who do not have the nationality of the People’s Republic of China;
who are unable to prove their identity;
who commit fraud during the application process;
Those who have been sentenced to a penalty and are currently serving their sentences;
Those who have been notified by the People’s Court that they have unfinished civil cases and cannot leave the country;
They are defendants in criminal cases or criminal suspects.