How does the loan company check the credit report?

How to inquire about loan credit information

Loan credit inquiry can choose the following three ways:

1. Online inquiry: log in to official website, Credit Information Center of People's Bank of China, click Personal Credit Information Service, register new users, conduct identity verification, select a credit information report after verification, wait for the identity verification code after submission, and enter the identity verification code to view the credit information report. (Operating environment of the above steps: computer model: Lenovo) YOGAC740 Lenovo rescuer Y 7000p System version: Windows 7 Software version: IE8.0.7600. 16385

2. Self-service inquiry machine: Most commercial banks are equipped with self-service inquiry machines for personal credit reports, using face recognition technology and ID cards. After the comparison is successful, you can enter your mobile phone number to inquire or print your personal report.

3. Offline inquiry: You can also choose to inquire at branches and sub-centers of the People's Bank of China. Be sure to bring the original and copy of my valid ID card.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

I. Review risks

The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Second, the legal content of the pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

(3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.

How to check the credit information of industrial and commercial loans

1. Telephone banking inquiry

Call ICBC Telephone Banking 95588→ For individual customers, please press 1→ Enter the customer number or passbook number or → For personal loan information inquiry, please press 7→ Personal loan information inquiry.

Second, the bank outlets query

I took my ID card to the Credit Management Office of the local people's bank to inquire and print personal credit reports.

Third, consult the bank loan auditor.

You can query the repayment plan, historical repayment record and personal information adjustment of the current year. Different banks have different regulations. You can call the customer service telephone of the handling bank for specific inquiry steps.

I. Definition of loan

Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, the principle of sex

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1. Loan security is the primary problem faced by commercial banks.

2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time.

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

Third, loan interest.

Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.

In civil law, interest is the legal fruit of principal.

How to check the online credit record of loans in four steps and get the credit report?

How to check credit records online? Many people want to check their personal credit records in advance because lending institutions will check the lender's credit records when handling loans. Then how to check the online credit record of the loan? Let me tell you something today.

1. What is the credit record?

The so-called credit record is that the personal credit information system establishes a "credit file" for everyone. This credit file records personal basic information and credit information, including personal identity, spouse identity, residence information, occupation information, etc. Credit information includes bank credit information summary, credit card quasi-credit card information summary, loan information summary and loan guarantee information summary for others. Banks, financial regulators, judicial departments and other government agencies and individuals can check credit records online.

Second, how to query the online credit record of loans?

1. Register personal information: first, you need to register on the credit information platform. Open official website, the personal credit service platform of China People's Bank Credit Information Center, and click User Registration.

2. Fill in your real name and ID number, then go to the next step to set the verification content of the question, and finally submit it.

3. After successful registration, log in to official website, the personal credit information service platform of the Credit Information Center of the People's Bank of China, and click on the personal credit report on the left to query online credit information.

4. Get the query result: Generally, you will receive a short message from the system the next day. At this time, log in to the website of personal credit information platform again, then click the credit information report on the left to inquire, enter the confirmation code in the short message, and then click Submit to display the inquiry result of personal credit information.

Third, the influence of too many records of credit inquiry.

Many small partners don't know that too many inquiries about personal credit records will also have a negative impact. Too many inquiries about online credit records of loans will be regarded as poor credit qualification by lending institutions in future loans, which will reduce the credit rating. Because too many inquiries about personal credit records mean that individuals have applied for loans many times, lending institutions will think that lenders lack repayment ability.

Reminder: Personal inquiry credit records will not be recorded. You can check your credit records with confidence, and you don't have to worry about your own inquiry, so you can increase the number of inquiries.

Do online loans check credit information? How come?

There are many non-governmental inquiry systems, so we should pay more attention when choosing, and choose those formal large institutions. Because small organizations are generally unreliable, a person's information will be leaked, which will also cause security risks; Moreover, the data inquired by small organizations are generally not comprehensive.

If you want to check the central bank's credit information, you can bring your ID card directly to the credit information center of the local people's bank. You can also inquire at the commercial bank outlets authorized by the local people's bank; Or directly log in to the Credit Information Center of the People's Bank of official website and China for inquiry.

If you want to inquire about online loan big data, you can generally inquire about it in the folk inquiry system and third-party credit information platforms such as Lan Bing Data and Beijian Quick Search, but the People's Bank of China generally can't find online loan big data.

Central bank credit reporting has little to do with online lending big data. If you apply for online loans, it is mainly based on big data and peaceful typhoon control; The application for bank loans and loans from lending institutions and platforms accessing the central bank's credit information system are mainly based on the borrower's central bank's credit information report.

Extended data:

How long will the online loan be overdue to give up the collection meeting?

After the online loan is overdue, there is actually no specific time limit for how long the loan platform will give up the collection, mainly depending on whether the loan platform insists on recovering the money. For example, some platforms think that they can't get back the money, and the amount owed is not very high. They may give up after half a year or a year or two; Of course, some will keep dunning, or even outsource to a special dunning company for dunning.

As for whether there will be door-to-door dunning, the loan platforms have different regulations. However, if the loan platform looks for a special dunning company to dunning, there is a high probability that it will come to the door.

In this regard, customers are advised to find ways to pay off their debts as soon as possible. When all the arrears are paid off, the loan platform will naturally stop collecting. If the loan platform charges high interest fees in violation of regulations, customers can collect evidence in turn and report the platform to the local CBRC or China Internet Finance Association. If you are treated with violence, threats, etc. In the process of collection, customers can also call the police directly.

How to inquire about the intermediary's credit information

1, the loan intermediary company settled in the local area for investigation and inquiry; 2. Handle bank loans and issue relevant documents; 3. The loan intermediary company conducts a detailed investigation on personal credit information and finally approves the loan; 4. I read the borrower's agreement and credit report, and do post-loan inquiry. The loan intermediary needs the borrower to bear certain responsibilities when inquiring about credit information. When the borrower is unable to repay the loan, the lending institution needs the borrower to pay a certain interest service fee to the lending institution, calculated on a daily basis.

Checking credit information before lending: three methods of credit information inquiry

In daily life, residents need personal credit when applying for mortgage, car loan and credit card. So how do you inquire about the personal consultation report? There are generally three ways to inquire about credit records in Shanghai.

In daily life, residents need personal credit when applying for mortgage, car loan and credit card. So how do you inquire about the personal consultation report? There are generally three ways to inquire about credit records in Shanghai.

1, counter inquiry

The first method is to check with the local people's bank. You need to carry valid identification documents (ID card, military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, foreigner's residence permit, etc.). ) and fill in the personal credit report application form.

2. Online inquiry

Log on to the website of Credit Information Center of the People's Bank of China () for enquiry.

Steps: registration-identity verification-submitting inquiry application-obtaining inquiry result (24 hours after submitting inquiry application, the user logs on the platform, clicks "information service"-"obtaining inquiry result", and inputs the identity verification code sent by the platform into the user's mobile phone to inquire about the selected credit information product. )

3. Self-service inquiry

Steps: Identify the ID card-enter the phone number-take photos-print the report.

Pay attention to the following points when using the self-service inquiry machine:

(1) Self-inquiry of personal credit report is limited to me!

(2) The self-service inquiry machine can only recognize the second-generation ID card. You can use other valid ID cards to inquire at the counter.

(3) When taking pictures, please step back half a step, look directly at the camera above the inquiry machine, and keep a complete picture in the box.

(4) After the inquiry is successful, please bring your ID card and check the pages of the report.

(5) Credit reporting is a simple version. If you find that your credit information is seriously overdue, you need to go to the People's Bank for detailed records!

(6) If you inquire about your personal credit report more than twice a year, please go to the counter for business payment.

List of consulting addresses in Shanghai

China People's Bank Credit Information Center Shanghai Branch Inquiry Point (Counter Inquiry/Self-service Inquiry Machine)

Address: 3rd Floor, Hualong Building, No.333 Suzhou South Road, Huangpu District, Shanghai.

Tel: 02 1-23 136373

Shanghai Free Trade Experimental Zone Consultation Office (Counter Consultation)

Address: Counter 35, Building 9/KLOC-0, Keelung Road, Pudong New Area, Shanghai

Tel: 02 1-5869503 1

Shanghai Rural Commercial Bank Pudong Branch Business Department (self-service inquiry machine)

Address: No.0/500, century avenue, Pudong New Area.

Tel: 02 1-962999

Shanghai Rural Commercial Bank Hong Song Road Branch (Self-help Query Machine)

Address: Floor 1, No.0/52, Hong Song Road, Changning District, Shanghai.

Tel: 02 1-962999

Bank of China Shanghai Xuhui Branch (self-service inquiry machine)

Address: Floor 2, No.355 Hongqiao Road, Xuhui District, Shanghai

Tel: 02 1-3460 1306

China Construction Bank Shanghai Xuhui Branch (self-service inquiry machine)

Address: No.920, hengshan road, Xuhui District, Shanghai

Tel: 02 1-95533

Shanghai Pudong Development Bank Changning Branch (self-service inquiry machine)

Address: No.855 Changning Road, Changning District, Shanghai

Tel: 02 1-62403035

Bank of Beijing Shanghai Yangpu Branch (self-service inquiry machine)

Address:No. Huangxing Road 18 16, Yangpu District, Shanghai.

Tel: 02 1-55785030

Banking hours are generally: 9: 00 a.m. to 1 1: 30 a.m. and 13: 30 p.m. to 16: 30 p.m. on weekdays, except for national holidays. Friends in need can call first or refer to the business hours of the outlets.

Personal credit reports are widely used, such as commercial bank loans. Take the initiative to know your own credit report and apply for correction to the credit information center or the bank where the business occurs in time to avoid adverse effects.

This is the end of the introduction about how the loan company checks the credit report and how the loan company checks the credit report. I wonder if you found the information you need from it?