Gome Financial has been connected to the central bank’s credit reporting system, so it is listed on the credit reporting system. When a borrower applies for a loan at Gome Financial, Gome Financial will check the borrower's credit report. If the borrower has serious past due behavior, the loan may be denied. At the same time, after a borrower successfully obtains a loan, if there is overdue behavior during the repayment process, Gome Financial will also upload the borrower's overdue record to the central bank's credit system.

1. Gome Finance is a "finance + scene + technology" model, that is, Gome Electric's large number of offline stores and supply chain systems are combined with Internet finance. In 2016, Gome Financial began to comprehensively deploy six major sectors, including consumer finance platform, supply chain finance platform, asset trading platform, payment platform, data cloud platform and traditional financial platform. The new retail strategies of Gome Financial and Gome are very consistent. First of all, finance itself belongs to the service field. In "products are king" and "services are king", Gome Financial can provide financial services and financial products in the overall service of Gome's retail customers. Secondly, in "Platform is King", Gome Financial has always been committed to integrating and connecting online and offline, introducing Gome's online and offline customers to Gome Financial's platform, and providing them with financial services through Internet finance.

2. Credit refers to the form of value movement conditional on repayment and interest payment. Usually includes bank deposits, loans and other credit activities. Credit is an important form of paid mobilization and allocation of funds in socialist countries and a powerful lever for economic development. Credit is a lending behavior between different owners that embodies a certain economic relationship. It is a special form of value movement that is conditional on repayment. It is a credit activity in which the creditor lends money and the debtor repays it on schedule and pays a certain interest. It is obtained by transferring the right to use funds. income. Credit can be divided into broad and narrow senses. Credit in a broad sense refers to the general term for credit activities with banks as intermediaries and deposits and loans as the main body, including deposits, loans and settlement businesses. Credit in the narrow sense usually refers to bank loans, that is, the issuance of monetary funds with banks as the main body.

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