What does a bank credit report include?

Question 1: What does the bank’s credit report details include? Information records related to credit cards, mortgages, car loans, etc.

Question 2: What is included in the new version of the personal credit report? There are three main versions of personal credit reports in the credit reporting system of the People's Bank of China, which contain different information. They are:

1. Personal version: for consumers to understand their credit status, mainly showing the subject of information Credit information and company information, etc. Including personal version and personal detailed version.

2. Bank version: mainly for commercial banks to query. In the credit transaction information, this report does not display the names of other lending banks or credit institutions other than the querying institution. The purpose is to protect business secrets and maintain fairness. compete.

3. Social version: for consumers to open stock index futures accounts. This version displays your credit summary information, mainly including personal professional qualification records, administrative reward and penalty records, court proceedings and enforcement Records, tax arrears records, social insurance records, housing provident fund records and credit transaction records.

Question 3: What does a personal credit report include? Personal credit reports are mainly provided by the Credit Reference Center of the Central Bank, which mainly records basic personal information, loan information, credit card information and credit report inquiry records. Loan information includes the lending bank, loan type, loan amount, loan term, and repayment records in the past 24 months; credit card information includes the issuing bank, credit limit, limit usage, actual repayment records, and repayment records in the past 24 months ( Including normal and overdue), etc. The information in the credit report comes from lending institutions, administrative law enforcement agencies, and telecommunications and other public utilities that provide consumer-now-pay-later services. A personal credit report is an objective record of a person’s credit history and generally includes the following parts: 1) Personal identity information: It includes the name, gender, age, work unit, contact address and other information used to identify the individual who is being credited. 2) Bank credit: List each credit card and loan business in detail, specifically showing the past debt history of the party being credited. Credit reporting agencies and credit-granting banks often analyze consumers' behavior and consumption preferences from this information, and judge their future repayment ability based on their past willingness to repay. 3) Non-bank credit: Record consumers' payment status for communications, water, electricity, and coal, such as whether mobile phone usage is normal, whether public utilities are in arrears, etc. 4) Query records: It is a summary of all the records that have been queried by the individual in the last 6 months.

Question 4: What content is included in the personal credit report? The personal credit report is commonly known as the personal credit record. It is a legal system that collects personal credit information scattered in all aspects of society through a credit reporting agency established in accordance with the law. It collects, processes and stores personal credit files through various means, and provides personal credit information inquiry and evaluation services according to the needs of relevant parties. Personal credit report content includes basic identity information, various types of consumer credit account opening and repayment information at commercial banks, loan information from auto finance companies, payment information from mobile communication protocol users, payment information for some utility fees, court judgments and execution information, Pawns and leasing, insurance marketers and CPA practice information, etc. Therefore, once there is a bad record on your personal credit report, you will have trouble applying for mortgages, car loans and other loans in the future. Some people regard personal credit reports as citizens' "economic ID cards", so citizens must cherish it. Credit Department Manager: Cao Yu

Question 5: What are the contents of the personal credit inquiry system? It is now very convenient to check personal credit information online. (1) Basic personal information Personal identity information. Personally identifiable information refers to information that can reflect an individual's identity and facilitate identification and contact with the individual. The main provider and authoritative department of this part of the indicator is the Public Security Bureau, which is the most important basic information for individuals. This part*** includes information such as name, gender, ethnicity, date of birth, place of birth, household registration information, address information, communication information, marital status, spouse information, educational information, certificate information, etc. (2) Credit card transaction information Credit transaction information, as the second part of the credit index system, is important information that records personal economic behavior and reflects personal repayment ability and willingness to repay debt.

According to the "Interim Measures for the Management of the Basic Database of Personal Credit Credit" promulgated by the People's Bank of China, personal credit transaction information refers to the transaction records of natural persons provided by commercial banks in personal loans, credit cards and other credit activities. In the "Personal Credit Report", credit Transaction information is divided into credit summary information and credit detail information. It covers detailed special transactions of credit cards and loans, personal settlement account information, inquiry records, etc. ①Credit card information. Credit card information includes card type, guarantee method, currency, account opening date, credit limit, maximum credit limit, maximum liability amount, overdraft balance, amount due for repayment this month, actual repayment amount this month, and the latest actual repayment Date, current number of overdue periods, current total overdue amount, and credit card monthly repayment status records for the past 24 months. ②Loan information. Loan information includes loan type, guarantee method, proportion, account status, repayment frequency, number of repayment months, loan issuance date, loan expiration date, loan contract amount, monthly repayment status records and other items. At present, the sources of information queried by the personal credit reporting system are mainly financial institutions such as commercial banks. The information included includes basic personal information, loans from financial institutions, guarantees and other credit information. With the continuous development and improvement of information systems, the People's Bank of China has increased its efforts in information sharing and coordination with relevant government departments. In addition to mainly collecting personal credit information, the personal credit reporting system will also collect personal basic identity information, civil case enforcement information, payment of various social security fees and housing provident fund information, announced tax arrears information, payment of telecommunications and other public services* **Business expense information, personal educational information, and basic professional information of accounting (lawyer) firms, certified public accountants (lawyers) and other special professions that have an impact on the public interest.

Question 6: What does a standard corporate credit report include? A standard corporate credit report generally includes the following contents: a) Home page: mainly includes the name of the report, the name of the company being credited, the name of the report provider, the report completion time, the report number, the investigation description, etc., as well as the legal requirements for the report expression of responsibility. b) Report summary: It mainly includes a summary reflection of important information such as the registration information office contact information, operating conditions, and credit rating of the credit-reported enterprise. Through this section, you can quickly get a general understanding of the credit status of the company being credited. c) Text of the report: The text is the part that comprehensively reflects the credit status of the enterprise subject to credit investigation, mainly including: Basic information: mainly includes registration information of the enterprise subject to credit investigation, shareholder information, subsidiary organization information, management and employee information, and office facility information etc. and related change information. Business information: mainly includes information such as main business and business transactions, that is, procurement, production, sales information, and evaluations of credit-reported enterprises by major suppliers and major customers. Financial information: mainly includes the balance sheet, profit and loss statement and major financial ratios of the credit-reported enterprise. Provide notes and explanations for abnormalities in financial data. Information about financial institutions: It mainly includes information such as the company's account number, name of the bank where the account is opened, etc. Public record information: mainly includes positive information about the credit-reported enterprises recorded by courts, industrial and commercial, taxation, quality supervision, customs and other administrative and judicial departments, other institutions and organizations with administrative functions, social organizations, media, and electronic trading platforms. and negative information. If the enterprise being credited has been involved in litigation matters in the past two years, the relevant circumstances of the litigation shall be listed. Comprehensive review: It mainly includes a comprehensive review and vertical and horizontal comparison of the development plan, development prospects, industry development status, etc. of the credit-reported enterprise. Based on the rating and analysis, we can also provide reference suggestions on the credit risk and credit limit of the credit-reported enterprise. d) Important explanation: It mainly includes the credit rating assessment method or main basis, rating symbols and explanations, and other matters that need to be explained.

Question 7: What is a personal credit report? It is a report that reflects your credit record. The People's Bank of China obtains your credit record (credit card, loan) from various commercial banks, including repayment information, etc., and compiles it into one report that can be viewed uniformly.

Question 8: What is included in the personal credit report of the Credit Reference Center of the People's Bank of China? If you have time, go to the local People's Bank to check it. It is free, but you must bring a copy of your ID card, which contains each of your bank credit cards. and loans and repayment status

Question 9: What does a personal credit record include? On the 13th, the Legislative Affairs Office of the State Council released the "Credit Information Management Regulations (Draft for Comments)", which mentioned "negative records" for the first time "Retention period" issue: "Credit reporting agencies shall not disclose or use personal bad credit records that have been more than 5 years since the bad credit behavior or incident was terminated, and personal criminal records that have been more than 7 years since the date of execution of the penalty." Bankers said that this regulation is similar to international practice and is more practical. If the retention period is too short, it will not be enough to serve as a good warning for breach of trust, but it will be too severe for those breaches of trust that are not caused by subjective will. Utility and electricity bills will be entered into credit records. The draft opinion defines the scope of credit information, including basic information such as the identity, occupation and residential address of individuals, legal persons or other organizations. The central bank also revealed that in the future, personal water, electricity, gas payment status, tax arrears, etc. will be included in credit records. The most important credit transaction information of credit records includes credit-related transaction records formed by individuals, legal persons or other organizations in social and economic activities such as loans, use of credit cards or quasi-credit cards, credit sales, guarantees, and contract performance. In addition, credit information also includes social public information such as administrative penalty information, court enforcement information, and corporate environmental protection information that are closely related to the credit status of individuals, legal persons, or other organizations.

Question 10: What content does the personal credit report checked by the bank include? Is there an outline of the personal credit report? What information is recorded in the public information details? Personal credit report

Name of the person being inquired, ID type of the person being inquired, ID number of the person being inquired, query operator, reason for query

Basic information of a person

Identity information< /p>

Spouse information

Residence information

Occupation information

2. Information summary

(1) Credit reminder

Credit Summary Tips

Number Interpretation

(2) Summary of Overdue and Default Information

Summary of Default Information