There are several kinds
Tips for self-service machine inquiry
●Self-service inquiry of personal credit report business is limited to individuals.
●The self-service inquiry machine can only recognize second-generation ID cards. If you use other valid ID cards, you can check at the counter.
●When taking a photo, please step back half a step, look directly at the camera above the inquiry machine, and keep your full avatar in the viewfinder.
●After the query is successful, please take away your ID card and check the number of pages in the report.
●If you check your personal credit report more than twice a year, please go to the counter to pay and handle the business.
12 inquiry outlets
1. People’s Bank of China Credit Information Center Beijing Branch (counter inquiry/self-service inquiry)
Address: Yuetan North, Xicheng District Room 907, Building A, Henghua International Business Center, No. 26 Street
Telephone: 68559206
2. Beibin Consumer Finance Company (counter inquiry)
Address: Haidian District First Floor, Tower B, Zhongke Building, No. 22 Zhongguancun Street
Telephone: 62521036
3. Beijing Rural Commercial Bank Jingliang Branch (counter inquiry/self-service inquiry)
Address: 1st Floor, Jingliang Building, No. 16 East Third Ring Road, Chaoyang District
Telephone: 51672305/51672306
4. Dawang Road Branch of Beijing Rural Commercial Bank (self-service inquiry)
p>Address: First Floor, Building 3, No. 15 Xidawang Road, Chaoyang District
Telephone: 87723906
5. Beijing Rural Commercial Bank Chaoyang Branch Wangjing Branch ( Self-service inquiry)
Address: No. 130, Nanhu Zhongyuan, Chaoyang District
Telephone: 64759036
6. Beijing Rural Commercial Bank Huangcun Branch (self-service inquiry)
p>Address: No. 216, Xinghua Road, Huangcun District, Daxing District
Telephone: 69266642
7. Beijing Rural Commercial Bank Fengtai Branch Business Department (self-service inquiry)
Address: No. 101, Xiju South Street, Fengtai District
Telephone: 63842592
8. Beijing Rural Commercial Bank Shijingshan Branch Business Department (self-service inquiry)
Address: No. 78, Yangzhuang East Road, Shijingshan District
Telephone: 88707930
9. Beijing Rural Commercial Bank Tongzhou Branch (self-service inquiry)
Address: Liyuan, Tongzhou District No. 63, 65 North Street
Telephone: 69540796
10. Shanghai Pudong Development Bank Yabao Road Branch (self-service inquiry)
Address: Jianguomen North Street, Dongcheng District First Floor, No. 8 China Resources Building
Telephone: 85192337
11. Shanghai Pudong Development Bank Economic and Technological Development Zone Branch (self-service inquiry)
Address: Beijing Economic and Technological Development Zone 1st Floor, Daxiong Commercial Center, Building 19, Erli District 2, Tianhua Road, Tianhua Road
Telephone: 67890778
12. Shanghai Pudong Development Bank Huizhong Branch (self-service inquiry)
< p>Address: 1st Floor, Zhongao Ramada Hotel, No. 214, Huizhong Beili, Chaoyang DistrictTelephone: 64877966
Original title: The first personal credit inquiry machine in this city
On the morning of June 9, in the business hall of Beijing Rural Commercial Bank Jingliang Branch, a user printed out his credit report on the self-service personal credit report inquiry machine that had just been installed. Photo by our reporter He Guanxin
How many credit cards do you have in your name, and how many housing loans have you applied for? Is the repayment record good? Are there any late payments? In the future, citizens who want to check these credit reports will no longer have to make a special trip to the Beijing Branch of the Credit Information Center of the People's Bank of China. Through a self-service inquiry machine, citizens can get a paper personal credit report in just one minute.
On June 9, the Central Bank’s Operations and Management Department announced that it had set up 12 personal credit report inquiry outlets in 8 districts across the city, initially establishing a city-wide personal credit report inquiry service network. Among these 12 outlets, 11 have set up self-service personal credit inquiry machines, and another one provides counter inquiries.
This also means that from now on, citizens can check personal credit reports through self-service inquiry machines in addition to the previous three methods: the Internet, commercial bank online banking, and counter inquiries. This provides a more convenient way for citizens to check personal credit status. How convenient.
How to check?
If you want to check your credit report, you should first "scan your face"
Although the word "credit report" may seem a bit professional, it is actually closely related to citizens' economic life such as credit cards and mortgage loans. No, since I heard that there are self-service personal credit inquiry machines in bank branches, citizen Li Hao came to the Beijing Rural Commercial Bank Jingliang Branch near Shuangjing early yesterday morning.
With its silver-gray shell, coupled with an LCD screen and camera, the self-service inquiry machine looks somewhat similar to an ordinary ATM cash machine. However, there is no common numeric keyboard at the bottom of the screen of the inquiry machine, but there is an additional ID card sensing area and a printout for paper reports.
Li Hao took out his second-generation ID card and placed it in the sensing area. A line of prompt information was immediately displayed on the machine screen: Face information comparison is in progress. The photo image on Li Hao's ID card and the image captured by the camera immediately appeared on the screen.
"You can't lower your head. You must take off your glasses first, and then look up at the camera." Under the guidance of the bank staff, Li Hao moved to the position facing the camera and took off his glasses. After the camera "locks" on the face for a few seconds, the avatar information is successfully compared. "To check personal credit, you have to 'swipe your face'. It seems that you cannot check the information casually if you are not the person." Li Hao said with a smile that this design is very good and can protect citizens' credit reports from being leaked.
After entering the mobile phone number, Li Hao also needs to choose the simple version or detailed version of the personal credit report. Along with the "squeaking" sound of the printer, a complete personal credit report was "spit" out of the machine, and the whole process took less than one minute. Moreover, individuals can check their credit reports with credit bureaus twice a year for free. This is the first time Li Hao has checked his credit report this year, so it is completely free. More than twice, you need to go to the manual counter designated by the Central Bank's Operations Management Department to apply for personal credit report inquiry, and you will be charged 25 yuan each time. Currently, Internet query charges are not limited to the number of queries per year and are all free.
What content?
Mortgage, credit card and pension insurance records
What information does a complete personal credit report contain? Under the guidance of the staff, the reporter printed a personal credit report.
Because each person’s amount of information is different, the length of the printed report is also different. The detailed version printed by the reporter has 6 pages and records in detail basic personal information, the use and repayment of housing loans and credit cards, as well as my personal personal information.
In the basic personal information column, it not only contains the inquirer’s name, birthday, mobile phone number and other information, but also marital status, academic degree and other information; and in the credit transaction information details column , the details include the average usage limit of a credit card in the past six months, as well as monthly repayment records from May 2012 to April 2014, whether there are any overdue information, etc.
The public *** information details column contains personal pension insurance payment records. Bank staff said that if there are tax arrears records, civil judgment records, court enforcement records, administrative penalty records and telecommunications arrears records in the past five years, they will also be displayed on the credit report. In addition, the inquiry record column contains which institutions have inquired about the personal credit report in the past two years and for what reasons.
Where can I check?
12 inquiry outlets are located throughout Bacheng District
On June 9, the Central Bank’s Operations and Management Department revealed that citizens can go to Xicheng, Dongcheng, Chaoyang, Haidian, Fengtai, Shijingshan, 12 inquiry outlets in Daxing and Tongzhou conduct on-site inquiries. So far, the Central Bank's Operations and Management Department has initially established a city-wide personal credit report inquiry service network.
In the past, if citizens wanted to print their credit records, they had to queue up at the Central Bank Credit Center located on Yuetan North Street. However, today's service halls are already overwhelmed. This single-site, single-channel on-site inquiry method is no longer able to effectively meet the large number of inquiry needs in a large city like Beijing.
“With the increasingly frequent credit transaction activities and the vigorous promotion of credit reporting publicity, the public is increasingly paying attention to their own credit status, and the number of people who inquire about personal credit reports at the People’s Bank of China has increased sharply.
"Relevant person in charge of the Operation and Management Department of the People's Bank of China revealed that throughout 2013, the Credit Information Service Hall of the Operation and Management Department of the People's Bank of China provided the public with 272,000 personal credit report inquiries, a year-on-year increase of 137%, with an average of nearly 1,100 inquiries per day, an explosive The growth trend is obvious, which directly leads to the large number of inquiry personnel in the credit information service hall, long waiting time, and high on-site management risks.
Before the end of May this year, some banks such as Beijing Rural Commercial Bank and Shanghai Pudong Development Bank Beijing Branch. Self-service personal credit report inquiry machines are deployed in all outlets, and the average daily inquiry volume of some outlets has reached 200, effectively diverting the inquiry traffic from the credit service hall.
Further reading: How to buy insurance. , which one is better, and will teach you step by step how to avoid these "pitfalls" of insurance