Basically, as long as there is a loan business with the bank, it will be included in the credit report. What exactly do you want to consult? You can ask questions
Second, do credit cooperatives still have credit loans?
Credit cooperatives have credit loans. Credit cooperatives generally have mortgage loans, secured loans, credit loans and other loans. If the user wants to apply for a credit loan, he can directly explain it to the staff. Of course, credit cooperatives in different regions may have different requirements for credit loans. Users can apply for credit loans as long as they meet the application conditions for credit loans.
In addition, credit loans usually require users to have good credit, and loans and credit cards with overdue records cannot be applied.
3. What are the credit union loans?
Types of loans of rural credit cooperatives: 1. In terms of term, there are three main types of loans for rural credit cooperatives: (1) short-term loans: loans with a term of 1 year (including 1 year); (2) Medium-term loans: loans with a loan term of more than 1 year (excluding 1 year) and less than 5 years (including 5 years); (3) Long-term loans: loans with a loan term of more than 5 years (excluding 5 years). RMB medium and long-term loans include fixed assets loans and special loans. 2. According to whether there is guarantee or not: (1) Credit loan: refers to the loan issued only if the borrower or a third party provides guarantee according to law. Secured loan includes secured loan, mortgage loan, (2) secured loan, mortgage loan or: refers to the loan issued according to the specified guarantee method, mortgage method or pledge method. For example, personal housing loans and automobile consumption loans are all secured loans based on housing or automobiles. 3. According to the purpose of loans, there are mainly rural industrial and commercial loans, consumer loans, student loans, real estate loans, farmers' loans, rural economic organization loans and other loans. Loan process: 1, loan application: the borrower applies for a loan from the local bank; 2. Credit rating evaluation: the bank evaluates the credit rating of the borrower; 3. Loan investigation: banks investigate the legitimacy, safety and profitability of borrowers; 4. Loan approval: The bank approves loans according to the loan management system that separates loan approval from grading approval; 5. Signing a contract: the bank signs a loan contract with the borrower; 6. Loan issuance: the bank issues loans on schedule according to the loan contract; 7. Post-loan inspection: the bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation; 8. Loan repayment: When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it. Legal basis: Article 39 of the Law of People's Republic of China (PRC) Commercial Bank stipulates that commercial banks shall abide by the following provisions on asset-liability ratio management: (1) The capital adequacy ratio shall not be less than 8%; (2) The ratio of the balance of current assets to the balance of current liabilities shall not be less than 25%. (3) The ratio of the loan balance to the capital balance of a commercial bank to the same borrower shall not exceed 10%. (4) Other provisions of the State Council Banking Regulatory Authority on the management of asset-liability ratio. If the asset-liability ratio of a commercial bank established before the implementation of this law does not meet the provisions of the preceding paragraph after the implementation of this law, it shall meet the provisions of the preceding paragraph within a certain period of time. Specific measures shall be formulated by the State Council.