People with blank credit records represent "blank households", and "blank households" refer to customers without any loan or credit card records in their credit reports. Because it is impossible to quantify the credit default risk of "blank households" with credit records, financial institutions often refuse to handle loan business for such customers because borrowers are "blank households" with credit records when reviewing loan applications and credit card applications. In this case, Credit China suggested that when applying for loan business, borrowers can provide supplementary property certificates such as real estate, vehicles and bank deposits to the credit business departments of financial institutions, which indirectly proves that individuals have sufficient repayment ability.