There is no real blacklist.

In the credit information system of China People's Bank, everyone's bank card and loan will be recorded. If there is arrears and interest, it will be reflected in the system, showing the overdue times. If there are many overdue times, if the bank wants to apply for a credit card or loan, it will think that the customer's credit is bad and the bank will refuse to issue a credit card or loan.

This is what people usually call a blacklist.

2. What does the external blacklist in the loan display mean? How can I delete an external blacklist? What if there is an external blacklist?

The external blacklist in the loan display means that the user's credit information in the bank has been blacklisted and it is impossible to apply for a loan through these channels.

If the credit information is overdue, the overdue records will be retained in the credit information for 5 years after being returned, and will disappear automatically after 5 years.

After the external blacklist appears, users should log on to the website of Credit Information Center of China People's Bank to check their credit information and determine whether there is any problem. If you owe money, you should return it in time. If it is recorded, it will not disappear automatically. If users are blacklisted, their high-consumption behaviors in the future will be restricted, such as not taking high-speed trains, airplanes and staying in star-rated hotels. , will have a certain impact on the normal life of individuals. What's more, if the arrears have not been paid, personal basic information, bank credit transaction information, credit inquiry history, etc. It will be enforced after the verdict. This information financial institution is shared. As long as there is a default record in one institution, other financial institutions can see the reasons for the good record when inquiring about credit.

Extended data:

Credit classification

1. According to the business model, it can be divided into two categories: corporate credit reporting and personal credit reporting.

Institutions that produce enterprise credit products; Personal credit information is mainly an organization that collects personal credit information products. In some countries, these two types of business are completed by one institution, and some institutions do it alone, or in one country, there are both institutions engaged in personal credit investigation and institutions engaged in personal and corporate credit investigation, and the credit investigation institutions decide independently according to the actual situation. In the United States, credit reporting agencies have three main business models:

(1) Capital market credit evaluation agency, whose evaluation targets are stocks, bonds and large-scale infrastructure projects;

(2) Commercial market evaluation agencies, also known as enterprise credit service companies, are oriented to all kinds of large, medium and small enterprises;

(3) Personal image is individual consumer.

2. According to different clients, it can be divided into credit information, business information, employment information and other information.

3. According to the scope of credit reporting, it can be divided into regional credit reporting, domestic credit reporting and transnational credit reporting.

3. What does the loan blacklist mean?

Question 1: What does the loan blacklist mean? The following is about illegal households, which can be selected according to the borrower's own conditions:

1. Private lending. In this case, the loan company may require the borrower to provide more proof of repayment ability when handling the loan. If the borrower has a mortgage in his name, whether he has a real estate or not, and whether the nature of his work is stable, the pre-loan review will be more severe. At the same time, if a black household applies for a loan, the lending institution may increase the borrower's loan interest rate or reduce the borrower's loan amount as appropriate.

2. If black households want to apply for loans, they can try to apply for loans from banks through local loan companies, which is one of the channels for black households to apply for loans.

3. Find a loan company. Lending companies usually value collateral more than personal credit. If the borrower borrows money through the loan company and can provide collateral, it will be easier to obtain funds.

Question 2: What does the blacklist of third parties who refuse to lend mean? To put it bluntly, the applicant or co-owner of the loan has a serious credit card overdue record, or there are outstanding debts (the debts here not only refer to banks, but also include the debts of private lending small loan companies, and once they are in banks, they will be included in the implementation list).

Question 3: What does the external blacklist in the loan display mean? That is, your credit information in the bank has been defiled by some institutions and carefully blacklisted. You need to borrow money. This information is shared, and you have the right to view it, so I found that your information does not match.

Question 4: What does the blacklist of micro-loan system mean? If the loan is not repaid at maturity, people who do not speak credit will be blacklisted and will be disqualified from the loan in the future.

Question 5: What does the credit blacklist mean? Pay attention to overdue credit cards. If loans overdue pays the loan once, as long as it is repaid in time, it will have little impact on the loan. A total of 13 will leave a bad record in the eyes of banks and affect loans:

1. The credit card has been overdue for three consecutive times, totaling six times.

2. The monthly payment is overdue or overdue for 2 to 3 months.

3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.

4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.

5. Water, electricity and gas charges are not paid on time.

6. Personal credit card cashing.

7. The student loan is in arrears.

8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. If you don't pay, you will have a negative credit record.

9. Credit card overdrafts and mortgage loans are not repaid on time.

10. When providing a guarantee for a third party, the third party fails to repay the loan on time.

1 1, personal credit report will also record some economic judgments. Therefore, the economy such as debt will also affect the credit record.

12. Mobile phone charges are linked to bank card charges. Failing to go through the relevant procedures after the mobile phone is stopped, it will be overdue due to insufficient monthly fee, and it will also cause bad records;

13. Credit card arrears records are generated by others with their own ID cards or copies of their ID cards.

The above-mentioned 13 situation will lead to the borrower's bad personal credit record, and the serious situation will enter the "blacklist" of the bank. In addition, if the borrower's loan repayment is overdue or the credit card repayment is overdue, the bank will also analyze whether this overdue is accidental. If it is sporadic and the time is not long, the bank will still give preferential treatment. But in some cases, overdue for more than three times will affect the loan. bale

Question 6: What does the blacklist of third parties who refuse to lend mean? Do you need a loan? Can I help you?

Question 7: How to get a loan from the blacklist? Hello, blacklist means bad credit. In fact, you can go to the People's Bank to find out why and how many times you have been blacklisted. Generally, three to five loans should be fine, but if you overdraw maliciously, it will be different. It's best to find a loan officer in the bank credit department. You should know that. I don't need to teach you.

Question 8: What does it mean that the loan advertisement ignores the blacklist? The purpose of cheating is to attract customers. Generally, black households cannot apply for loans, and banks will not approve them.

Question 9: What does the blacklist of microfinance refer to? Is there any way to identify it? Let's start with the first question. The blacklist of micro-loans generally refers to people who have borrowed money in the fields of finance and credit and have not paid it back, or who have existed in financial institutions. The second question is actually that there is a place to check whether this person has the above problems. This is generally provided by related online anti-fraud service providers, such as Hangzhou Tongdun Technology, which is very popular recently, to help enterprises catch bad guys.

Question 10: How can I apply for a loan if the bank is blacklisted? 15 "letter"-"cut", "question" and "decision": 192528832

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All kinds of cast iron codes are composed of the first capital letter of Chinese pinyin, which represents the characteristics of cast iron. When the code letters of two cast iron names are the same, they can be distinguished by adding lowercase letters after uppercase letters. When the cast iron with the same name needs to be subdivided, the first capital letter of the Chinese phonetic alphabet of its subdivision characteristics is taken and ranked behind.

Representation of name, code and brand of cast iron

An example of cast iron name expression method-............... area code ..................

Gray iron .................... high pressure ......................... HT 100

Worm graphite cast iron .................. convention ........................ Ratt 400

Ductile iron .................. quarts ......................... Qt 400- 17

Black center malleable casting .............. KHT ........................ KHT 300-06

White Heart Malleable Cast Iron .............. KBT ........................ KBT 350-04

Pearlite malleable cast iron ............ KZT ........................ KZT 450-06

Wear-resistant cast iron .................. machine translation ......................... MTCU 1 Ministry of Public Transport-150

Wear-resistant white cast iron .............. kmbt ....................... kmbt mn5mo2cu

Wear-resistant ductile iron .............. kmqt ....................... kmqtmn6

Chilled cast iron .................. it ......................... ltcrmor

.................. standard time of corrosion-resistant cast iron ......................... stsi15r.

Corrosion-resistant ductile iron .............. SQT ........................ SQTAL15S55

Heat-resistant cast iron .................. wireless telegraph ......................... RTCR 2

Heat-resistant nodular cast iron .............. rqt ........................ rqta16

Austenitic cast iron ................ in .........................-

A set of numbers after the code in the brand, indicating the tensile strength value; When there are two groups of numbers, the first group represents the tensile strength value and the second group represents the elongation value. The two sets of numbers are separated by a "1".

The alloy elements are expressed by international element symbols, and when the content is greater than or equal to 1%, they are expressed by integers. When the content is less than 1%, it is generally not marked. Conventional elements (C, Si, Mn, S, P) are generally not marked, and their element symbols and contents are only marked when they have special functions.

White cast iron: All the carbon in white cast iron exists in the form of carburization (Fe3c) because the fracture is bright white. So it is called white cast iron. Because there is a lot of hard and brittle Fe3c, white cast iron has high hardness and brittleness, and it is difficult to process. Therefore, it is rarely used directly in industrial applications, and it is only used for a few parts that require wear resistance and no impact, such as wire drawing dies and ball mills. Most of them are used as blanks for steelmaking and malleable cast iron.

..... gray cast iron; Most or all carbon in cast iron exists in the form of free flake graphite. The fracture is gray. It has good castability, machinability, wear resistance, simple melting and batching, and low cost, and is widely used in manufacturing structural composites. & gt

4. What does the loan blacklist mean?

Except for private lending, banks are not allowed to lend, which is the basic provision of the General Principles of Loans and the Law of Commercial Banks.