Does Weizhong bank loan check credit information?
Micro-loan is a personal consumption credit revolving loan product of Shenzhen Qianhai Weizhong Bank. As a bank loan, Weizhong Bank, like other commercial banks, needs to check the borrower's credit report of the People's Bank of China to confirm whether the borrower meets the regulatory requirements of "the borrower's credit status is good and there is no major bad credit record".
Banks can only make inquiries in eight names: post-loan management, loan approval, credit card approval, personal inquiry, guarantee qualification examination, real-name examination of special merchants, credit evaluation of legal representatives, responsible persons and senior managers, and customer access qualification examination. Weizhong Bank will make inquiries in the name of loan approval when inquiring about credit information.
Many friends said it was just a little embarrassing, and then they were checked for credit. There is a record of credit reporting, which is really wronged. On this issue, Weizhong Bank stated as follows: "When a user applies for opening a small loan (that is,' click to view the quota'), the page actively prompts the user to read the credit inquiry authorization and loan-related agreements of China People's Bank and check the authorization; If the user does not check, a pop-up window will remind the user to read the agreement; After that, the user also needs to verify the password, and the bank will check the user's credit record with the People's Bank of China and evaluate the loanable amount. "
Editor's note: The question of loan credit inquiry of Weizhong Bank ends here. When applying for these loan products, you must remember to read the relevant agreements carefully, and don't be confused about being investigated. Here, I also remind you that too many credit reports will have an impact on future loans.