When using Cheng e credit, if there is no overdue repayment, it will generally not be included in the credit record. If there is an overdue repayment and the staff is still unwilling to repay it after repeated collections, then Chenge Credit will hand over the debt to Sunshine Insurance for repayment, and Sunshine Insurance will upload the overdue record to the People's Bank of China Credit Center according to the situation. of.
It is recommended that borrowers pay back every debt on time when using Chenge credit. If the insurance pays for it, the consequences will be very serious. If there is a record of compensation in the credit record, it will be very difficult to apply for credit business in the future.
Personal credit report (also called personal credit report) records information such as personal debt repayment, contract performance, compliance with laws and regulations, etc. It is an objective record of personal credit history. For individuals, credit reports are mainly used for bank loan and credit card approval. For the entire society, credit reports are of great significance in preventing and defusing financial risks, maintaining financial stability, improving the quality and efficiency of loan review, promoting the development of the credit market, assisting small and micro enterprises in financing, and optimizing the business environment.
According to the relevant tips issued by the Credit Reference Center of the People's Bank of China, the information in the credit report mainly comes from lending institutions, public utility units, courts and government departments, etc. The bad information mainly refers to breach of contract information and tax arrears information. , court and administrative penalty information, while information that residents personally have loans or credit cards and repay them normally is positive information in the credit report.
Credit reporting means collecting, sorting, preserving, and processing the credit information of natural persons, legal persons, and other organizations in accordance with the law, and providing services such as credit reports, credit evaluations, and credit information consultation to help customers judge and control credit. Risk, credit management activities. Credit reporting is an activity in which a professional, independent third-party agency establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides external credit information services in accordance with the law. It provides professional credit institutions with A platform for sharing credit information.
Credit reporting records an individual’s past credit behavior, which will affect the individual’s future economic activities. These behaviors are reflected in the personal credit report, which is often referred to as the “credit record.” Credit reporting activities originate from the emergence and development of credit transactions. Credit is a special form of value movement that is conditional on repayment, including forms of currency lending and credit sales of goods, such as bank credit, commercial credit, etc. The modern economy is a credit economy. Credit, as a specific economic transaction behavior, is the product of the development of the commodity economy to a certain stage.
The essence of credit is a creditor-debt relationship, that is, the creditor (creditor) believes that the fiduciary (debtor) has the ability to repay, and agrees to the fiduciary's promise to repay in the future. However, when the commodity economy is highly developed and the scope of credit transactions becomes increasingly broad, especially when credit transactions spread across the country and the world, it will be extremely difficult for one party to the credit transaction to understand the credit status of the other party. At this time, understanding the credit standing of market transaction entities has become a need, and credit reporting activities have emerged as the times require. It can be seen that credit reporting actually emerged and developed with the emergence and development of the commodity economy, and is a credit information service provided for credit activities.