There are four requirements for rural commercial banks' credit investigation, which are neither black nor white nor chaotic.

1, not black

If it is not black, it means that the borrower is not a blacklist or a court enforcement list. In addition, the borrower's credit information cannot be overdue at present.

2, not white

That is, the purpose of credit investigation is to trace back our past credit situation, which is recorded. Therefore, a good credit report cannot be blank, at least there must be a loan record or a credit card use record.

3. Not much

It means that there are not many loans, credit cards and overdrafts. Because if we have too many loans and credit cards, the lending institutions will think that we have too much debt. Therefore, a good credit investigation is that the number of loans and the number of credit cards should not be too large, and it is more appropriate to control them within five.

4, not chaotic

That is, there is no frequent query record. If there are too many credit inquiries in a short time, the lending institutions will think that we are short of money and have great risks.