"Under normal circumstances, the normal use and good use of flower beds and repayment habits will not affect the financial services obtained and will not lead to repayment difficulties. In fact, the main reasons that affect bank loans are users' bad credit behaviors such as long-term lending, excessive lending and overdue lending. Therefore, if the repayment is not made on time, overdue records will be incorporated into the credit information system, and long-term and repeated overdue behaviors will have a negative impact on the bank's evaluation of users' credit and will be incorporated into the central bank's credit information system.