1. The CBRC encourages and supports banking financial institutions to establish a joint credit punishment mechanism with the people's courts. Banking financial institutions and people's courts share the information of enforcement cases such as the list of people who have been executed for breach of trust through network transmission; Banking financial institutions shall, in accordance with laws and regulations, take measures such as restricting loans and handling credit cards for those whose financial services are untrustworthy, such as financing and credit.
2. As long as you apply for a loan, whether it is mortgage, car loan or consumer loan, banks, internet finance companies or other financial institutions will inquire about the applicant's personal credit report. The information in the personal credit report determines whether the applicant's loan will be approved.
3. Three types of credit records will add points to the loan application.
(1) has a mortgage record.
Mortgage is the maximum amount of personal loans for most people, and the bank's approval of mortgage is very strict. Therefore, applicants with mortgages usually have good personal credit performance, and the chances of repayment on time after the loan are higher. In the process of loan approval, financial institutions will tend to issue loans to applicants with mortgage records.
(2) Personal credit has a long history or rich types of credit.
Consumer loan applicants with short credit records are often considered to be in urgent need of money in the short term, and there is a certain risk of fraud. Rich credit types or long credit history often mean that applicants have been recognized by many financial institutions, and their credit level is significantly higher than that of applicants with short credit history.
(3) the level of higher education.
The credit report of the People's Bank of China not only records credit records, but also records some basic personal information, such as education level. Generally speaking, the overdue rate of applicants with college education or above is significantly lower than that of applicants with lower education.
Extended data:
You can query the objects of personal and enterprise credit reports.
1. The credit information system provides inquiry service for information subjects and information users with the written consent of the information subjects themselves. Among them, the subject of personal information has the right to obtain my credit report twice a year for free. It is recommended that citizens check regularly and pay attention to their credit status in time.
2, commercial banks and other institutions providing loans in the examination and approval of loans, credit cards and other credit businesses, after obtaining the written consent of the information subject and agreeing to use, can query their personal credit reports in real time through the credit information system, without the need for the information subject to provide.
3. Without authorization, any institution or individual has no right to inquire about the credit report of the information subject. Unless the law stipulates that you can inquire without authorization.
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