Check whether the ID card has a loan. The specific operation steps are as follows:

Operating environment:

Brand model: iPhone 13

System version: iOS 15.4

App version: 13.2

Search "Credit Information Center" in Baidu first, and open official website.

Second, find the following "core business" and click "Internet Personal Credit Information Service Platform".

Third, enter your name and ID number for inquiry.

Loans refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge, mortgage, guarantee or credit line of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.

By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.

Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and network. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by laws and regulations such as the Contract Law, the General Principles of the Civil Law and relevant judicial interpretations of the Supreme People's Congress.

Network refers to the Internet provided to customers by Internet companies through companies controlled by them. The network should abide by the existing company supervision regulations, give full play to the advantages of online loans, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.

The supervision of online lending platforms, from up to five or six thousand to the end of June, is only 29, and the special rectification work may basically end at the end of the year and turn into regular supervision.

How to inquire about personal ID card loan?

I. Personal credit inquiry

One of the most convenient ways to inquire about personal ID card loans is to inquire about personal credit information. Personal credit information report includes all loan records of customers, which are mainly divided into online inquiry and credit center inquiry.

Second, telephone inquiries.

Loan customers can inquire about loan records by calling customer service. The specific operation is different for each bank and lending institution. You can call the customer service hotline to provide the prepared personal information, and the customer service will convey the loan record to you in the form of radio, SMS or email.

3. Ask at the loan bank counter.

The most common way to inquire about personal ID card loans is to go to the bank counter. You can inquire according to the following steps: customers bring ID cards and other loan-related information. If there is no loan, customers can bring their ID cards directly. Go to the front desk of the loan bank and ask him to check for you.

Fourth, personal online banking inquiry

This personal ID card loan record inquiry method is suitable for personal online banking counter customers, and the poor inquiry steps are to log in to bank official website-e-bank personal online banking-log in to your own account-select loan inquiry.

How to check whether your ID card has been lent?

If you want to check whether your ID card has a loan record, customers can take the following methods: 1. Log in directly to official website, the Credit Information Center of China People's Bank, on the computer browser, and enter the Internet personal credit information service platform to inquire about personal credit reports; Or bring your personal ID card to the business hall of the branch of the local people's bank to find a staff member to inquire; You can also call the customer service of the People's Bank of China. We should know that when consumer financial institutions apply for loans, if the platform has access to the central bank's credit information, it will inevitably leave relevant records in the credit information. 2. You can query third-party data platforms, such as people's credit reporting. After all, many small loan platforms with low application thresholds are not connected to the central bank's credit information, which is the first choice for criminals to defraud loans. Therefore, even if they borrow money, they will not leave a record in the credit report, and most of the relevant loan records are left in big data. 3. See if you have received a short message from a lending institution/platform without a registered account in your mobile phone. If there is a dunning message, it is likely that someone else has stolen the ID card.

How to check whether my ID card has a loan?

The method of checking whether there is a loan on the ID card is as follows:

1. With my ID card, go to the inquiry window of the credit information system of the People's Bank of China and ask the staff at the counter;

2. Inquire in official website, Credit Information Center of China People's Bank, open the website, click "Start Now", first register an account on the user login page, select "Apply for Credit Information" on the page after successful login, enter the personal information verification page, enter the verification code received by the mobile phone after successful verification, obtain the personal credit information record, open it for viewing, download and save;

3. If the lending institution is not connected to the central bank's credit information system, it can call the agency's customer service phone number and apply to the customer service staff to inquire about the ID card loan record.

When a customer applies for a loan, the bank card, ID card, mobile phone number and face verification provided by the customer are all the same person, so under normal circumstances, there is no need to worry that his identity information will be fraudulently used to get a loan. Of course, in daily life, customers should pay attention to keeping their privacy, and don't disclose their identity information and bank cards easily to avoid being used by some lawless elements.

Legal basis: Article 34 of People's Republic of China (PRC) Commercial Bank Law.

According to the needs of national economic and social development, commercial banks carry out loan business under the guidance of national industrial policies.

Article 44

Commercial banks should handle cash bills, acceptance bills, bills of exchange, entrusted collection and other settlement businesses within the prescribed time limit, record the receipt and payment, and may not illegally hold bills, hold bills or refund tickets. The time limit for recording cash, income and expenditure should be published.

This is the end of the introduction on how to inquire about ID card loans and how to find ID card loans. I wonder if you have found the information you need?