The credit report cannot directly show the loan situation, but it can judge the user's debt situation through the loan situation.

Note: The credit report includes:

1. Personal basic information (including personal status);

2. Personal credit summary (credit tips, credit and default information summary);

3. Credit transaction information (asset disposal information, guarantor compensation information, loans, debit cards);

4. Details of public information (records of housing provident fund participation and pension insurance payment);

5. Credit inquiry records (summary of inquiry records and details of non-internet inquiry records).

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1. Personal basic information (including identity, marriage, address, occupation, etc. );

2 personal credit information summary (credit tips, credit and default information summary, credit and liability information summary);

3. Compensation materials, loans, debit cards of credit transaction witnesses);

4. Details of public information (participation in housing provident fund records and pension insurance deposit records)

5. Credit inquiry records (summary of inquiry records)

Banks will provide information on personal loans, credit cards, guarantees and other liabilities. As long as the bank has an ID card, it can access the credit information.

Liabilities refer to the present obligations that the past transactions or events of an enterprise are expected to form. Current obligations refer to the obligations that the enterprise has undertaken under the current conditions. What happens in the future is not a current liability.

The liabilities of enterprises can be divided into several categories according to their liquidity.

1. Current liabilities: refer to the debts repaid within a business cycle of one year or more, mainly including taxes payable for short-term loans, salaries payable to employees, etc.

2. Liabilities other than current liabilities mainly include long-term loans, bonds payable and long-term payables.

For personal liabilities, first make clear the debt relationship, with or without interest, and sort out the bills and make a reasonable repayment plan. Secondly, increase income, have plenty of time for the eight-hour working system, find the right direction to earn money properly, and never commit crimes. Finally, restrain yourself and stick to it, and you will have unexpected gains.

2. Can the credit report show the borrower's current financial situation?

Will check the credit, if overdue for too long, will report at the meeting. Sina has borrowed it, with high pass rate and fast payment.

At present, China's credit information system is divided into two parts, one is the central bank's credit information system, and the other is the local credit information system, both of which are led by government departments. In these two credit information systems, the main reference is the central bank's credit information system. But even the central bank's credit information system is not perfect, only the credit card and bank loan information of the inquired person.

3. Can the bank check the credit information to see the liabilities?

You can't.

Because the credit report can't directly show the personal debt details, but it can show the loan situation, and the user's debt situation can be judged by the loan situation.

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. The Measures for the Administration of Credit Information Business, adopted at the 9th executive meeting of the People's Bank of China on September 30th, 2002/KLOC-0, is hereby promulgated and shall come into force as of June 30th, 2022.

4. Can you find out how much you owe by going to the bank for a loan?

Yes Personal credit information is mainly used for 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.

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards. Personal credit information provided by the credit information system to banks includes:

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.

Extended data:

Functions of credit investigation:

1, to prevent credit risk. Credit information reduces the information asymmetry of all parties to the transaction and avoids the transaction risk brought by information asymmetry, thus playing the role of risk judgment and disclosure;

2. Expand credit transactions. Credit investigation solves the bottleneck problem that restricts credit transaction, promotes the achievement of credit transaction, promotes the innovation of financial credit products and commercial credit products, effectively expands the scope and mode of credit transaction, and drives the expansion of credit economy scale;

3. Improve the efficiency of economic operation. Through specialized credit information services, the cost of information collection in transactions can be reduced, the transaction time can be shortened, the transaction space can be broadened, the operating efficiency of economic entities can be improved, and economic and social development can be promoted;

4. Promote the construction of social credit system. Credit information industry is an important part of social credit system construction. The development of credit information industry is helpful to curb the occurrence of bad credit behavior, protect the interests of trustworthy people, maintain a good economic and social order, and promote the continuous development and improvement of social credit system.