Filing and credit reporting are two different concepts. Filing in Agricultural Bank of China (Agricultural Bank of China) does not mean that credit reporting is passed. Filing refers to the need to submit a series of identity certificates and related documents when opening an account in a bank. According to this information, the bank will establish personal files for customers, including account information and transaction records. Credit investigation refers to that banks or other financial institutions evaluate personal credit status by inquiring personal credit records from credit investigation agencies.

although you need to provide a personal credit report when applying for a bank loan or credit card, the credit report is not directly related to whether it is filed with ABC. The passage of credit information is related to personal credit status, repayment ability and loan records of other banks.

Filing is only the process of establishing accounts for customers by ABC, which can enjoy some basic financial services provided by opening accounts, but whether banks can provide loans or other credit products still needs to be evaluated according to customers' credit status and loan demand. Therefore, it is impossible to judge whether an individual's credit information is passed simply by filing with the Agricultural Bank of China.