The loan approval in personal credit report means that the user has applied for a loan, and the loan needs to be authorized to inquire about the personal credit report, so a credit inquiry record of loan approval will be left in the credit report. The inquiry records of credit information will not affect personal credit information, but too many inquiry records will spoil personal credit information. After the credit information is ruined, the user's application for credit business review will become strict. Therefore, users need to control the number and frequency of applying for loans, and it is not appropriate to apply for loans frequently in a short period of time, which will help restore credit information. Loan approval is a process in which the person in charge of credit business conducts "finding out the facts, mastering the policies and determining the loans" according to the loan application and pre-loan investigation opinions within the prescribed approval authority. Working capital loans shall be subject to three-level examination and approval system. The leaders in charge are responsible for the decision-making of the loan issuance results. Identify the facts, that is, the approver re-examines the reasons and uses of loans provided by enterprises and loan personnel, and correctly identifies its nature. Grasp the policy, and finally decide whether to lend or not, whether to lend more or not, on the basis of ascertaining the facts and according to the credit policy determined by the state and higher-level banks. Determine the loan mainly to determine the loan amount, repayment period, interest rate and loan method. Some loan principals should also ask loan officers to conduct follow-up investigation and monitoring. Any loan must adhere to the principle of "two signatures" or "three signatures" for loan approval. In other words, each loan must be investigated by the loan officer, and the preliminary examination opinions are put forward, and the loan can only be issued after the approval of the credit section chief. Loans with a large amount or "three signatures" according to regulations shall be signed by the president. No individual may sign a wholesale loan alone. If you are going to apply for a personal loan in a bank, the approval is based on the comprehensive evaluation of the business type, personal solvency, credit status and other factors you apply for, and can only be determined after the approval of the handling outlets. I suggest you provide relevant application materials and contact the personal loan department of local outlets for further verification. The amount of personal consumption is generally based on the applicant's salary, which is generally between six and fifteen times the individual's pre-tax salary. The nature of the applicant's unit, personal debt and credit status are also important measuring factors. It should be pointed out that the form of wage flow is recognized by all lending institutions, while the way of wage discovery and wage transfer is only recognized by some banks and lending companies. If you want your application to pass quickly, you may wish to use the 360 worth calculator to calculate your own simple situation and estimate the loan amount.

2. What is the loan approval shown on the credit report?

Credit information shows that loan approval means that the lending institution inquired about your personal credit information in the name of "loan approval".

The credit report can show our credit level and liabilities, so the lending institution will inquire about the borrower's personal credit when accepting the loan application, leaving the inquiry record of "loan approval" and also indicating the name of the inquiry institution.

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal letter provided to legal information inquirers after the information collected according to law is processed and sorted by credit reporting institutions.

As of 20 15, the database contains 870 million natural persons, including

2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.

The Measures for the Administration of Credit Information Business was adopted by the Central Bank on September 30th, 20021year, and is hereby promulgated and shall come into force as of June 30th, 2022.

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, individuals trust and standardize their own credit calendars to become the verification mechanism of personal credit information.

Credit information

1, personal basic information identifies an individual and reflects his family and occupation;

2. Personal credit information formed by individuals and financial institutions or housing reserves;

3. Personal credit purchase and payment formed by the credit purchase relationship of personal service institutions.

4. The public * * records the information related to personal credit formed in the process of administrative organs and administrative affairs;

5. Other information related to personal credit.

influencing factor

The main factors that may affect personal credit risk score are: repayment phenomenon, or credit card overdraft is not repaid according to the agreed time limit and repayment amount, or there are too many loan accounts and credit cards.

Draft an administrative management bill

Twentieth stored and provided information is wrong, and organizations or information providers raise objections.

Credit institutions or information providers shall, within 20 days after receiving the provisions of the supervision and administration department of credit reporting industry, make a reply to the dissidents.

Third, what do you mean by credit payment approval?

Credit information shows loan approval, which means that if a lending institution applies for a loan, such as a bank loan, the bank will definitely check the credit information to understand the borrower's credit and liabilities, so as to judge whether it has the ability to repay the loan. Once the credit information is checked, it will leave traces, and the inquiry record of the credit information report will show that "an institution checked the credit information on a certain day in a certain year, and the reason for the inquiry was loan approval".

However, the fact that there is loan approval on the credit report does not mean that the loan will definitely be done.

4. What is the meaning of post-loan approval in the credit record?

Have you ever taken out a loan before?