The analysis is as follows:
Banks can find personal credit information by querying personal credit information:
Personal credit information mainly includes three categories.
1. Identity information, including name, ID number, home address, work unit, etc.
2 loan information, including loan issuing bank, loan amount, loan term, repayment method, actual repayment record, etc.
3. Credit card information, including issuing bank, credit limit, repayment record, etc. With the gradual improvement of the database construction, information on personal payment of telephone, water, electricity, gas and other public utilities fees, as well as public information such as court civil judgments and tax arrears will be collected to fully reflect a person's credit status.
Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.
Extended data:
Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users.
Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.
At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.
Credit information
1, personal basic information identifies an individual and reflects his family and occupation;
2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;
3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;
4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;
5. Other information related to personal credit.
Baidu Encyclopedia-Personal Credit Survey
China people's bank Zheng Xin center