2. It should be noted that the personal credit information system may have a certain time delay and cannot be displayed immediately after the bank has successfully audited. It can only be entered into the system after it is reported to the People's Bank of China, so check it again in a month or so.
Extended data:
1) Bank loan guarantor means that the guarantor and the borrower agree that when the borrower fails to repay the loan, the guarantor will perform the repayment obligations as agreed. Guarantee is generally divided into general guarantee and joint liability guarantee.
2) When repaying a general bank loan, first of all, it depends on whether the guarantee you made during the guarantee is a joint liability guarantee or a general liability guarantee. If it is a joint and several liability guarantee, the bank can choose between the borrower and the guarantor which is easier to implement and which is implemented first; If it is a general guarantee, then the borrower's assets should be recovered first, and then the remaining loan after full compensation should be recovered from the guarantor. Where the surety has not agreed on the method of suretyship or the agreement is unclear, the surety shall be liable according to joint and several liability.
3) When becoming a guarantor of other people's bank loans, we must pay attention to the following two aspects: on the one hand, we must examine the borrower's reputation in many ways. Generally speaking, the higher the credit of the lender, the smaller the risk of the guarantor. If you want to know the credibility of the lender, you can judge it according to your usual contact with the lender. You can also find out who owns the lender's business or other acquaintances of the lender. Don't be a guarantor blindly without thinking because of the feelings of relatives, friends, colleagues, classmates and old superiors. It's risky. On the other hand, it is necessary to find out the lender's solvency.
4) For the guarantor, the risk mainly depends on the repayment ability of the lender. The greater the ability of the lender to repay the loan, the smaller the risk of the guarantor. The lender's ability to repay the loan is determined by the amount of property and liabilities it can control. Therefore, when providing a guarantee, we must first look at whether the property that the lender can control can repay the loan. Furthermore, it is necessary to find out how much the lender is in debt.