How can I find out which lending platform I applied for?

You can go to the People's Bank for loan inquiry. Online: Open glory 30, then open the latest version of Sogou browser, log on to the website of Credit Information Center of China People's Bank, and inquire about loan records according to the page prompts. Offline: Bring your ID card and a copy of your ID card and check your loan records through the credit inquiry window of the People's Bank of China or other commercial banks. The Credit Information Center provides free off-line counter inquiry service twice a year, with the third charge 10 yuan. In addition, some public places or banks in some cities have self-service inquiry terminals for personal credit information, and loan records can also be inquired.

You can also not go to the People's Bank for loan inquiry. Through the websites and apps of eight credit agencies with personal credit licenses, such as Sesame Credit, Tencent Credit, Qianhai Credit, Koala Credit, Peng Yuanzheng Credit, Zhongxin Credit, Zhongzhicheng Credit, Huadao Credit and Lacarra Credit, other three-party credit agencies can also try to inquire, but their influence is not as good as that of eight licensed credit agencies.

To sum up, the People's Bank of China and the People's Bank of China have different loan inquiry methods. Loans for credit investigation by the People's Bank of China can be inquired online through the website of the Credit Investigation Center of the People's Bank of China, and offline at the People's Bank of China, commercial banks and personal credit inquiry terminals. Loans that do not go to the People's Bank for credit investigation can be inquired through the relevant websites and apps of 8 licensed credit investigation agencies. After the credit report of 100 banks is launched, the comprehensive loan record will be clearer.

The main profit source of commercial banks is credit loans, because banks face many risks in this financial activity, such as profit risk, credit risk, liquidity risk and so on. Therefore, from 65438 to 0995, the People's Bank of China promulgated the Law on Commercial Banks. The loan activities of commercial banks are instructive and binding.

Credit evaluation. With the development of financial securitization, banks have changed from seller's market to buyer's market. Therefore, it is the main competition for commercial banks to compete for customers with strong strength, high credit and strong repayment ability. When exploring the credit marketing market, investigators accept the application of lenders and evaluate their credit according to their information. At the same time, investigate the legality, safety and profitability of the loan, measure the loan risk and submit an analysis report.

Review and release of paragraphs. The examiner shall review and evaluate the qualifications of the lender according to the report of the investigator, re-examine the loan risk, put forward opinions, and report to the superior for approval according to the prescribed authority. After the loan is approved, negotiate the loan quantity, term and interest rate with the lender, sign the loan contract, and then issue the loan instruction.

Check and take it back. After the loan is issued, in order to ensure that the loan can be recovered on time, the bank will organize inspectors to investigate the lender's operating conditions and financial conditions regularly or irregularly, pay attention to the use of funds and prevent moral hazard. If the lender fails to repay the principal and interest on time, the bank has the right to take sanctions or recover the principal and interest through legal means to maintain the security of credit funds.