What are the contents of bank credit investigation?

Question 1: What does the bank's credit details include? Credit card, mortgage, car loan and other related information records.

Question 2: What are the contents of the new personal credit report? There are three versions of personal credit report in the credit information system of China People's Bank, which contain different information, namely:

1, personal edition: for consumers to know their own credit status, mainly displaying the credit information and public information of the information subject. Including personal version and personal details version.

2. Bank version: mainly for commercial banks to inquire. In the credit transaction information, the report does not show the names of other loan banks or credit institutions except the inquiry institutions, in order to protect trade secrets and maintain fair competition.

3. Social Edition: for consumers to open stock index futures accounts. This edition displays your credit summary information, mainly including personal practice qualification records, administrative rewards and punishments records, court proceedings and execution records, tax arrears records, social insurance records, housing accumulation fund records and credit transaction records.

Question 3: What does the personal credit report include? Personal credit report is mainly provided by the central bank's credit information center, which mainly records personal basic information, loan information, credit card information and credit report inquiry records. Loan information includes loan bank, loan type, loan amount, loan term and repayment records in the past 24 months; Credit card information includes issuer, credit line, usage of credit line, actual repayment record, repayment record in the past 24 months (including normal and overdue), etc. The information in the credit report comes from public institutions such as lending institutions, administrative law enforcement departments and telecommunications, and provides services that are paid after consumption. Personal credit report is an objective record of personal credit history, which generally includes the following parts: 1) Personal identity information: including name, gender, age, work unit, contact address and other information used to identify individuals. 2) Bank credit: a detailed list of each credit card and loan business, specifically showing the past debt history of the party under credit investigation. Credit institutions and credit banks often analyze consumers' behaviors and consumption preferences from this information, and judge their future repayment ability from their past repayment willingness. 3) Non-bank credit: record the payment of consumers in communication, water, electricity, coal, etc., such as whether the mobile phone is in normal use and whether public utilities are in arrears. 4) Query Records: it is a summary of all individual query records in the last 6 months.

Question 4: What does the personal credit report include? Personal credit report, commonly known as personal credit record, is a collection, processing and storage of personal credit information scattered in all aspects of society by legal means through a legally established credit reporting agency, and provides personal credit information inquiry and evaluation services according to the needs of relevant parties. The contents of personal credit report include basic identity information, account opening and repayment information of various consumer credits of commercial banks, loan information of auto financing companies, payment information of users of mobile communication protocols, payment information of some public utility fees, court judgment and enforcement information, pawn and lease, and practice information of insurance salesmen and certified public accountants. Therefore, once there is a bad record in the personal credit report, it will be troublesome to apply for loans such as mortgage and car loan in the future. Some people regard personal credit reports as citizens' "economic identity cards", and citizens must cherish them. Manager of Credit Department: Cao Yu

Question 5: What are the contents of the personal credit inquiry system? Personal credit online inquiry is very convenient now. (1) Personal Basic Information Personal Identity Information. Personal identity information refers to information that can reflect personal identity, facilitate identification and contact with individuals. The main provider and authoritative department of these indicators is the public security department, which is the most important basic information of individuals. This part includes name, gender, nationality, date of birth, place of birth, household registration information, address information, communication information, marital status, spouse information, education information, certificate information and other information. (2) Credit card transaction information, as the second part of the credit index system, is an important information to record personal economic behavior and reflect personal solvency and willingness to pay debts. According to the Interim Measures for the Management of Personal Credit Database published by the People's Bank of China, personal credit transaction information refers to the transaction records formed by natural persons in personal loans, credit cards and other credit activities provided by commercial banks. In personal credit report, credit transaction information is divided into credit summary information and credit detail information. Covers the special transaction details of credit cards and loans, personal settlement account information, inquiry records and so on. ① Credit card information. Credit card information includes card type, guarantee method, currency, account opening date, credit line, shared credit line, maximum debt, overdraft balance, repayment amount this month, actual repayment amount this month, latest actual repayment date, current overdue period, current overdue total amount and monthly repayment status records in the last 24 months. ② Loan information. Loan information includes loan type, guarantee method, proportion, account status, repayment frequency, repayment month, loan release date, loan maturity date, loan contract amount, monthly repayment status record and other items. At present, the sources of information inquired by personal credit information system are mainly financial institutions such as commercial banks, and the collected information includes personal basic information, credit information such as loans and guarantees in financial institutions. With the continuous development and improvement of the information system, the People's Bank of China has strengthened information sharing and coordination with relevant departments. In addition to personal credit information, the personal credit information system will also include personal basic identity information, civil case execution information, various social security fees and housing provident fund payment information, published tax arrears information, telecommunications and other public utilities payment information, personal education information, and basic professional information of accountants (lawyers) firms, certified public accountants (lawyers) and other special professional practitioners who have an impact on public interests.

Question 6: What does a standard enterprise credit report include? A standard enterprise credit report generally includes the following contents: a) Home page: it mainly includes the name of the report, the name of the enterprise under credit, the name of the report provider, the completion time of the report, the report number, the investigation description, etc. , and there is a statement about the legal responsibility of reporting. B) Summary of the report: it mainly includes the summary and reflection of important information such as contact information, operation and credit rating of the registration information office of credit enterprises. Through this part, we can quickly understand the credit status of the credit enterprise. C) Report text: The text is a part that comprehensively reflects the credit status of the enterprise under credit investigation, mainly including: basic information: mainly including the registered information, shareholder information, subsidiary information, management and staff information, office facilities information and related change information of the enterprise under credit investigation. Business information: mainly includes the main business and business information, that is, purchasing, production and sales information, as well as the evaluation of credit enterprises by major suppliers and customers. Financial information: mainly including the balance sheet, profit and loss statement and main financial indicators of the credit enterprise. Pay attention to abnormal financial data. Current financial institution information: mainly including enterprise account number and bank name. Public record information: it mainly includes the positive and negative information of the credit enterprise recorded by the court, industry and commerce, taxation, quality supervision, customs and other administrative and judicial departments, other institutions and organizations that undertake administrative functions, mass organizations, media and electronic trading platforms. If the enterprise under credit investigation has been involved in litigation in the past two years, it shall list the litigation-related information. Comprehensive evaluation: it mainly includes comprehensive evaluation and vertical and horizontal comparison of the development planning, development prospects and industry development status of the enterprises under credit investigation. On the basis of rating and analysis, we can also give some reference suggestions on credit risk and credit limit of credit enterprises. D) Important explanation: mainly including credit rating methods or main basis, rating symbols and explanations, and other matters that need to be explained.

Question 7: What is a personal credit report? This is a report reflecting your credit history. PBOC obtains your credit records (credit cards and loans) from commercial banks, including repayment information. , and collect them into a report for unified viewing.

Question 8: What is in the personal credit report of the Credit Information Center of China People's Bank? Check with the local people's bank when you have time. It's free, but you should bring a copy of your ID card with your credit card, loan and repayment of each bank.

Question 9: What are the contents of personal credit records? On June 5438+03, the State Council Legislative Affairs Office published the Regulations on Credit Information Management (Draft for Comment), which first mentioned the issue of "negative record retention period": "Credit information institutions shall not disclose or use personal bad credit records that have been more than 5 years since the date of termination of bad credit behavior or events, and personal criminal records that have been more than 7 years since the date of completion of penalty execution." Bankers said that this provision is similar to international practice and more practical. If the retention period is too short, it is not enough to play a good warning role for dishonesty, but it is too strict for those dishonest behaviors caused by non-subjective will. The Draft Credit Record of Water, Electricity and Electricity Fees defines the scope of credit information, including basic information such as personal identification, occupation and residence address of individuals, legal persons or other organizations. The central bank also revealed that in the future, personal water, electricity and gas payment and tax arrears will be included in the credit record. The most important credit transaction information of credit records includes credit-related transaction records formed by individuals, legal persons or other organizations in social and economic activities such as loans, use of credit cards or quasi-credit cards, credit sales, guarantees and contract performance. In addition, credit information also includes social public information such as administrative punishment information, court enforcement information and enterprise environmental protection information closely related to the credit status of individuals, legal persons or other organizations.

Question 10: What does the personal credit report checked by the bank include? Does the personal credit report have an outline? What information will be recorded in the details of public information? Personal credit report

The name of the inquired person, the certificate type of the inquired person, the certificate number of the inquired person, and the reason for the operator's inquiry.

Personal basic information

Identity information

Spouse information

Residential information

Career information

Two. informative abstract

Credit prompt

Credit summary prompt

Digital interpretation

(2) Summary of overdue and default information

Default information summary

Overdue (overdraft) information summary