If its own repayment capacity is in

If its own repayment capacity is insufficient, because the overdraft will also represent a heavy burden on the family economy, Internet companies use big data and cloud computing technology to collect and analyze customer credit, but this does not is that on the Internet, in reality the actual consumption the power cannot be recorded and calculated. In addition, customer records from different internet companies are not integrated, leading to different credit lines from the same person on different platforms. Therefore, the existence of credit risk is inevitable.