First, cooperation within the industry, that is, banks directly share credit records; The customer's current status is overdue in the personal credit information system of China People's Bank or loan banks and interbank accounts (including housing loans, automobile consumption loans, personal consumption loans, credit cards, etc.). ), or there are bad records overdue for more than 90 days in the last 12 months (that is, the overdue status flag is "4").

The second is credit reporting, that is, banks report customer loan default, malicious overdraft of credit cards and other information to the credit reporting bureau, forming a basic database of personal credit information of the credit reporting system for banks' reference.

It should be noted that information about personal payment of public utilities such as telecommunications, water and electricity, and public information such as court civil judgments and tax arrears will gradually become part of the comprehensive credit report of enterprises and individuals. It can be said that defaulting on water and electricity charges may also have a bad record in the personal credit information system.