When applying for the Yihua loan, you do not check your credit score. Many customers with poor credit scores have successfully applied for the loan. However, when applying for a contract loan with a quota, pay attention to the contract loan. At present, the main lender for Yihua is Harbin Yuanfeng Small Loan Co., Ltd. This lending company is also a licensed formal institution, so the credit report will be followed up.
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1. Credit reporting means collecting, organizing, preserving, and processing credit information of natural persons, legal persons, and other organizations in accordance with the law, and providing credit reports, credit evaluations, and credit information to the outside world. Consulting and other services help customers judge and control credit risks and conduct credit management activities.
2. From "Zuo Zhuan: The Eighth Year of Zhaogong", "A gentleman's words are believed and conquered, so the resentment is far beyond his body." Among them, "faith and credit" means that one can verify the truthfulness of one's words, or solicit and verify credit. Credit reporting is an activity in which a professional, independent third-party agency establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides external credit information services in accordance with the law. It provides professional credit institutions with A platform for sharing credit information.
3. In May 2019, a new version of the personal credit report will be officially launched, and the length and precision of the credit report information will be further improved.
4. The credit report records an individual’s past credit behavior, which will affect the individual’s future economic activities. These behaviors are reflected in the personal credit report, which is what people often call “credit record.” Until 2012, there was no law or regulation in China's current legal system that provided a direct basis for credit reporting business activities. The Legislative Affairs Office of the State Council published the full text of the "Credit Report Management Regulations (Draft for Comments)" in October 2009, soliciting opinions from all walks of life on the credit report management regulations.
5. On December 26, 2012, Premier Wen Jiabao presided over an executive meeting of the State Council, which reviewed and approved the "Regulations on the Management of the Credit Reporting Industry (Draft)". The meeting pointed out that the credit reporting industry is an industry that provides credit information services in a market economy. Credit reporting services can create conditions for preventing credit risks, ensuring transaction security, and promoting the formation of a social environment in which those who are honest benefit and those who are dishonest are punished. Our country's credit reporting industry has grown from scratch, gradually developed, its role has become increasingly apparent, and the credit reporting market has begun to take shape.
6. Credit reporting activities originate from the emergence and development of credit transactions. Credit is a special form of value movement that is conditional on repayment, including forms of currency lending and credit sales of goods, such as bank credit, commercial credit, etc. The modern economy is a credit economy. Credit, as a specific economic transaction behavior, is the product of the development of the commodity economy to a certain stage.