The reason why CCB will check the credit line for quick loan inquiry is mainly to evaluate the applicant's credit status and repayment ability. The credit report records personal credit history, including credit transaction records such as loans and credit cards, as well as bad information such as overdue and default.
By inquiring about the credit report, CCB can fully understand the applicant's credit status, evaluate his willingness and ability to repay, and then decide whether to grant a loan and the size of the loan amount.