The credit rating of banks can be divided into two ways: online inquiry and offline inquiry. Among them, offline inquiry: I hold a valid ID card to inquire at the counter of the local bank (some banks also have outlets to inquire about credit information); Online inquiry: You can inquire through the Credit Information Center of China People's Bank-Personal Credit Information Service Platform. After the credit product is processed (usually the day after the inquiry application is successfully submitted), the platform will send a short message containing the identity verification code to the user, and the user can log in to the platform with the identity verification code within 7 days after receiving the identity verification code.

It should be noted that the China People's Bank Credit Information System is free of charge for the first two inquiries every year, and 10 yuan is required for each inquiry in the future. If the information included in the platform is not enough to verify the identity, the reason may be that you have not applied for a credit card before and need to go to the site to inquire; Check the credit information to verify the bank card information. If the user has not had credit business contact with the bank (such as loan or credit card), then it is blank in the credit information system and cannot be registered.

1. Bank credit rating is an evaluation of the overall financial ability of banks to pay financial debts at present. It is very important for depositors and investors to evaluate risk returns, optimize investment structure, avoid investment risks, broaden financing channels of commercial banks, stabilize capital sources, reduce financing costs, improve supervision efficiency, weaken information asymmetry in financial markets and reduce market volatility. The credit rating of a bank generally includes three steps: first, the individual rating of a bank is determined by evaluating its independent financial strength and external operating environment; Then, determine the degree of support; Finally, combining two different factors, individual rating and support rating, the bank's credit rating is obtained after discussion at the expert meeting.

2. The process of bank credit rating is basically the same as that of other issuers. A complete issuer rating process is divided into two stages, namely initial rating (usually determined by the issuer) and rating review and change (usually initiated by rating agencies). The rating methods of different rating agencies are slightly different, and the rating practices of Moody's and Standard & Poor's, the two largest companies, represent the most common rating methods.