Second, credit history.

Third, the debt situation.

Fourth, whether false information has been provided.

Extended data:

Negative credit records also refer to the bad records in the credit files established by the central bank. Bad credit records are recorded in the personal credit basic database of the People's Bank of China, which can be called by all financial institutions. At present, there are six situations that can easily lead to bad personal credit records:

First, if the "sleep credit card" is not activated, it will still generate an annual fee. If you don't pay, you will have a negative credit record.

Second, credit card overdraft consumption, mortgage loans are not repaid on time.

Three, the loan interest rate is raised, and the "monthly payment" or installment is still paid according to the original amount, resulting in overdue interest.

4. When providing guarantee for the third party, the third party fails to repay the loan on time.

5. The mobile phone number is down, and the relevant formalities have not been handled. Due to the overdue monthly fee, it will also cause bad records.

6. Being fraudulently used by others to generate credit card arrears records.

Examining the relevant qualifications of the borrower is the premise of signing a loan contract and the necessary procedure for lending. The significance of the review is to evaluate the loan risk and then decide whether the loan transaction is successful.

I. Review risks

The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.

(a) the review content is omitted. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. In practice, the loan examiners of some commercial banks failed to disclose one thing, which led to credit risk.

(2) There is no due diligence in practice, and loan examiners often only pay attention to the identification of documents, but lack due diligence, so it is difficult to identify fraud in loans, resulting in credit risk.

(3) misjudgment

Banks did not listen to experts' opinions on relevant contents, or made professional judgments by professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects.

Baidu Encyclopedia-Negative Credit Records