How to check all the debts owed in your husband’s name

You can ask your husband to bring his ID card to the bank to check.

You can also ask your husband to check on the official website of the Credit Reference Center of the People's Bank of China. After logging into the official website, the husband used his identity information to enter the Internet credit information service platform to check his personal credit report.

After the new version of the credit report is launched, users’ personal credit records within five years can be viewed, including the specific loan time, loan amount, repayment amount, remaining outstanding amount, etc.

The Credit Information Center of the People's Bank of China is a public institution directly under the People's Bank of China. Its main task is to be responsible for the unified credit information system of enterprises and individuals (also known as enterprise and personal credit information systems) in accordance with national laws and regulations and the rules of the People's Bank of China. The construction, operation and management of personal credit information basic database).

Main Responsibilities

1. Responsible for formulating the overall development plan for the construction of enterprise and personal credit reporting systems and organizing its implementation.

2. Responsible for formulating management systems for the operation and maintenance of corporate and personal credit systems.

3. Responsible for formulating business technical standards for corporate and personal credit reporting systems.

4. Responsible for the construction, operation and maintenance of corporate and personal credit reporting systems.

5. Responsible for organizing business and technical coordination with commercial banks and related parties, and collecting credit information of enterprises and individuals.

6. Responsible for summarizing and analyzing data information in corporate and personal credit systems, and submitting analysis reports in a timely manner.

7. Responsible for providing corporate and personal credit information consulting services to commercial banks and related parties.

8. Responsible for organizing dispute resolution in the operation of corporate and personal credit reporting systems.

9. Responsible for organizing credit reporting business knowledge training for commercial banks and related parties.

10. Responsible for the construction, operation and management of the registration and publicity system for pledge of accounts receivable.

11. Responsible for the construction, operation and management of the financial lease registration and disclosure system.

12. Undertake other matters assigned by the leaders of the bank.

Construction background

With the deepening of economic marketization, accelerating the construction of corporate and personal credit reporting systems has become a common sense in society. The report of the 16th National Congress of the Communist Party of China clearly stated that "we must improve the social credit system of the modern market economy", and the Third Plenary Session of the 16th Central Committee of the Communist Party of China clearly stated that "in accordance with the direction of improving regulations, franchising, commercial operations, and professional services" , accelerating the construction of corporate and personal credit service systems.”

The National Financial Work Conference held in 2007 further proposed to comprehensively promote the construction of a social credit system with a focus on the construction of a credit reporting system. In order to further play the role of the People's Bank of China in building the social credit system, in 2008, the State Council adjusted the functions of the People's Bank of China to "manage the credit reporting industry and promote the establishment of a social credit system."

In compliance with the instructions of the Party Central Committee and the State Council, the People's Bank of China has accelerated the construction of corporate and personal credit reporting systems. After several years of efforts, the national unified basic database of enterprise and personal credit information led by the People's Bank of China has been initially completed and has begun to play an active role in the economy and society.

How to check your husband’s debt situation

Legal analysis: Use your ID card to check your personal credit report.

All banks transmit personal loan, credit card, guarantee and other liability information to the People's Bank of China credit system. The credit report includes basic personal information, credit information (whether there is a bank loan, whether it is overdue, credit card overdraft records, etc.), non-bank information (payment information for water, electricity, gas and other public utilities, tax arrears, civil judgments, etc.) wait).

Individuals should bring the original and a copy of their valid ID, fill in the "Personal Credit Report Personal Inquiry Application Form" at the inquiry outlet, and then submit an inquiry application. For individuals who have inquired more than 3 times in the year, The staff will inform individuals that they need to pay the inquiry service fee, and it is up to the individual to decide voluntarily whether to pay for inquiry. The fees will be paid in cash initially and will gradually increase as needed.

Legal basis: "The People's Republic of China and the Civil Code"

Article 1064: Both spouses sign together or one spouse ratifies it later, etc. *The debts borne by the same person, as well as the debts borne by one spouse in his or her own name for the daily needs of the family during the marriage, are the joint debts of the couple. Debts borne by one spouse in his or her own name beyond the daily needs of the family during the marriage are not joint debts of the couple; however, the creditor can prove that the debt is used for the couple's daily life and production. Exceptions are made for business operations or based on the consent of both spouses.

Article 1065: Both men and women may agree that the property acquired during the marriage and the property before marriage shall be owned by each other or jointly, or part of it shall be owned by each other and part jointly.

Article 1089. When divorcing, the husband and wife's debts shall be repaid jointly. If the property of the two parties is insufficient to repay the debt or the property belongs to each other, the repayment shall be settled by agreement between the two parties; if the agreement fails, the people's judgment shall be made.

How can I check how much my husband owes the bank? This method can

There are often examples in real life where two couples are not honest with each other. The husband owes a debt outside, but the wife is completely unaware of it. She only finds out about it when the debt comes knocking on her doorstep. How can I check how much my husband owes the bank? The following method can be considered.

Bank debt

If you want to know how much money your husband owes the bank, you only need to check his credit record, because the bank debt will be shown in the personal credit report . Whether it is overdue records or records in repayment, all will be displayed.

It is not difficult to check your husband’s personal credit record. You only need to enter your password and ID card and other information in the mobile banking APP, and you can easily check it. The results usually come out after a few hours. However, the editor suggests that you should not secretly check your husband's credit record. You should obtain the other party's consent.

How to check my husband’s loan at the bank?

You can take your husband’s ID card to the bank to check the relevant information, but in fact you can check it through the following methods:

If you want to check your husband’s loan record, you can check Check to see if the other party has downloaded the loan APP on their mobile phone. If so, you can click on it to view the specific loan situation; you can also check whether the other party’s text message has received any loan and repayment related information from the lending institution or platform. notify.

In addition, if you know your husband’s credit information login password, you can also directly log in to the official website of the “People’s Bank of China Credit Information Center” on your computer and enter your ID number and login password to log in to your personal credit information on the Internet. Use the service platform to query its credit report to see if loan information is recorded in the report. Similarly, if you know the big data query password, you can also query the other party's big data. However, when checking the other party’s credit report, you must pay attention to the fact that you need to obtain the other party’s approval and do not invade other people’s privacy at will.

When checking the loan, you should also pay attention to whether there is a record of guaranteed loans. Being a guarantor also needs to bear certain risks. If it is a joint liability guarantee, if the borrower repays overdue, the guarantor will also need to bear the repayment. payment responsibility.

This concludes the introduction on how to check your husband’s credit card debt and how to check your husband’s credit card debt record. Have you found the information you need?