什么贷款不需要运营商？

中文：

贷款作为一种金融服务，通常需要借款人提供一些个人信息以便贷款机构进行信用评估。然而，有些贷款并不需要运营商信息，这对于那些不愿意或无法提供此类信息的借款人来说是一个福音。

首先，我们要明确什么是运营商信息。运营商信息通常指的是手机运营商提供的数据，包括通话记录、短信记录、上网记录等。这些数据在一定程度上可以反映一个人的生活习惯、社交圈子以及经济状况。

那么，什么样的贷款不需要运营商信息呢？一般来说，抵押贷款和担保贷款通常不需要提供运营商信息。抵押贷款是指借款人以一定的抵押物作为担保，向贷款机构申请贷款。由于抵押物的存在，贷款机构更加关注抵押物的价值以及借款人的还款能力，而非运营商信息。而担保贷款则是由第三方提供担保，贷款机构同样会更加关注担保人的信用状况，而非借款人的运营商信息。

此外，还有一些线上贷款平台也提供不需要运营商信息的贷款服务。这些平台通常通过其他方式评估借款人的信用状况，如芝麻信用、京东白条等。这些平台利用大数据和人工智能技术，通过分析借款人的购物记录、支付记录等行为数据，来评估借款人的信用水平。

总的来说，不需要运营商信息的贷款产品虽然相对较少，但仍然存在。对于那些不愿意或无法提供运营商信息的借款人来说，选择这些产品可以更加便捷地获得贷款服务。

英文：

As a financial service, loans usually require borrowers to provide some personal information for credit evaluation by lending institutions. However, there are some loans that do not require operator information, which is a boon for borrowers who are unwilling or unable to provide such information.

First, let's clarify what operator information is. Operator information typically refers to data provided by mobile operators, including call records, SMS records, internet usage records, etc. These data can reflect a person's lifestyle, social circle, and economic situation to some extent.

So, what kind of loans don't require operator information? Generally speaking, mortgages and guaranteed loans usually don't require operator information. A mortgage is when a borrower applies for a loan from a lending institution using a certain collateral as security. Due to the existence of the collateral, the lending institution focuses more on the value of the collateral and the borrower's repayment ability, rather than operator information. On the other hand, a guaranteed loan is backed by a third party. The lending institution will focus more on the credit status of the guarantor rather than the borrower's operator information.

In addition, there are also some online lending platforms that offer loan services without requiring operator information. These platforms usually assess the credit status of borrowers through other means, such as Sesame Credit, JD.com's White Bar, etc. These platforms utilize big data and artificial intelligence technology to evaluate borrowers' credit levels by analyzing their shopping records, payment records, and other behavioral data.

Overall, while there are relatively fewer loan products that don't require operator information, they still exist. For borrowers who are unwilling or unable to provide operator information, choosing these products can make it more convenient to obtain loan services.