Legal analysis: The four types of situations will not be listed in the credit report.

Category 1: People infected with new pneumonia who are hospitalized or quarantined. Category 2: Personnel who need to be quarantined and observed for epidemic prevention and control. Category 3: Staff participating in epidemic prevention and control. Category 4: Individuals and businesses that have temporarily lost their source of income due to the epidemic.

Legal basis: "The People's Republic of China and the Civil Code"

Article 671 The lender fails to provide the loan in accordance with the agreed date and amount, resulting in losses to the borrower , the loss should be compensated.

If the borrower fails to collect the loan on the agreed date and amount, the borrower shall pay interest on the agreed date and amount.

Article 674 The borrower shall pay interest according to the agreed period. There is no agreement or the agreement is not clear about the period for payment of interest, and it cannot be determined according to the provisions of Article 510 of this Law. If the loan period is less than one year, it shall be paid when the loan is returned; if the loan period is more than one year, It shall be paid at the end of each year. If the remaining period is less than one year, it shall be paid when the loan is returned.

Article 676 If the borrower fails to repay the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations.

Article 677 If the borrower returns the loan in advance, interest shall be calculated based on the actual borrowing period, unless otherwise agreed by the parties.