We only say dry goods, let everyone know the specific situation!
Everyone has three credit systems! First: what kind of flowers, loans, micro-loans and white bars belong to! The above four are all in the category of online loans!
Flower buds and borrowing buds are all products of Alipay. Generally speaking, according to my credit case, most of the flowers are not on the credit information system. At the request of the people's bank of China, borrowing money has begun to be reflected in the credit report;
Flower buds belong to credit card products, but most of them belong to virtual credit cards. At least I haven't seen a real flower card at present, and I need to repay it every month when it expires. If it is overdue, it will be recorded in Alipay, and some overdue flowers will also be reflected in the credit report. I don't know much about Alipay's risk control rules.
Why did you borrow money for credit investigation? Because borrowing money is a kind of credit product, it has the characteristics of large amount, long period and high interest.
In the past, many bank employees were unable to inquire whether customers had additional credit from financial institutions other than banks, which led to excessive credit from many banks, and finally the lenders did not repay the bank's money, and the banks had bad debts.
JD.COM white stripes = flowers.
White stripes are similar to white stripes, except that many banks have issued white stripes after cooperation, such as China Everbright Bank and China CITIC Bank. But with the passage of time, the current credit management has become more and more strict, but people with good credit will still get opportunities!
Microfinance = borrowing
The two products are also credit products, that is, pure credit unsecured loans, which are characterized by large amount, long loan period and high interest rate. Among them, the interest rate of small loans reaches 1.5% per month, which is more than three times higher than similar products of banks. Who would you choose to borrow money from?
Second: Let's look at the impact of these products on personal credit. First of all, when you go to the bank to apply for a loan or credit card, the bank needs to take several steps. At this time, you may ask: Why is my loan limit or credit card limit so low?
1, when evaluating your credit, the bank will examine you from many aspects, including: identity, status influence, nature of work unit, number of relevant institutions, total pre-credit, income, joint and several liability, housing, business stickiness of our bank, etc. These are just a few characteristics that determine whether you are at risk of overdue!
2. There is also data collection in the initial stage. After joining the company, the Compliance Department, the Legal Department, the pre-credit and the post-credit are all waiting for you, so don't think it's easy to get personal loans or credit cards!
Secondly, the rejection of Alipay, Tencent and JD.COM products within banks is not excluded, and some banks will have certain requirements. Used to test loans, small loans, white bars, gold bars, etc. , this should be checked from big data!
Finally, you go to the bank for a loan. At present, except for the products audited by the banking system, most large loans still need manual intervention. If you have more online loans or your big data is seriously overdue, the bank will also refuse to lend!
Third: You have three credit reporting systems, 1 and the People's Bank of China. At present, this credit information system has been upgraded to the second generation, and the recorded data is more comprehensive than the first generation. Basically, all state-owned banks, joint-stock banks, local banks and policy banks will check this system, personal loans will be checked, and corporate loans will also be checked!
3. Bank internal credit information system: Each bank has its own internal credit information, mainly depending on what business you have handled in this bank and whether it is sticky! Even if you have a black account, the customer still gets a credit card or loan!
Flower buds, loan buds, micro-loans and white bars are not unusable, but we should pay attention to them in the process of use, because many banks will query three sets of credit information systems now! External, internal, third party, if you see that you have a large number of overdue, it is difficult for you to cooperate with the bank!
I wish you all a happy day in Pocket Qian Duoduo!
Flower buds, loans and micro-loans are closely related to our lives. Many friends use them and become an indispensable part of our lives. But in the eyes of banks, these are all online loans.
Recently, some flower beds have also been connected to PBOC data, so as long as you use these online loans, you will be granted credit, and some online loans will be granted at one time. At present, bank loans focus on the following aspects:
First of all, the number of inquiries
Banks have strict requirements on the number of "loan approvals" for customers. They are generally required to make no more than five inquiries in the past three months, and each use of these items is counted as the number of inquiries. If it exceeds the quantity, it can only be entered after the credit is updated.
Second, the number of online loans
Banks also have requirements for the number of online loans, requiring that the number of online loans should not exceed 10, otherwise several loans must be settled before the credit information can be updated.
Third, the number of overdue.
For friends who often use online loans, it must not be overdue too much, so it must not be overdue in normal use, because when applying for a bank loan, if it exceeds the requirements of the bank outline, it will definitely be rejected.
Fourth, banks' prejudice against online lending.
It is precisely because online loans are so convenient that many people like to use online loans regardless of big money and small money. Normal flower beds can be used occasionally, but if you use channels or even loans, you can't. Because the amount of online loans is often not particularly large, banks will think that even if you use the money, will it appear that you are short of money? The more you are short of money, the less the bank will lend you money. The cleaner the credit information, the more I like it, but the white households will not. Therefore, moderate use is ok, and it must not be excessive.
As a loan approval practitioner in the financial industry, let's answer a wave.
First of all, we should find out the frequency of use. As we all know, peer-to-peer lending in the form of credit cards, such as JD.COM Bai Hua and Baitiao, is characterized by a small amount, which is used in the current month and paid back next month. Due to its frequent use, many use scenarios and convenience, normal use and normal repayment are not reflected in the personal credit report. As for online small loans such as Lending Bao, Micro-loan and JD.COM Gold Bar, the general lenders are banks, micro-loan companies and other financial institutions. Specific institutions can generally be reflected in the loan contract generated by software. Before granting the credit line, some software will check the borrower's personal credit report before consumption, which is reflected in the credit report as the number of "loan approval" inquiries 1.
Secondly, banks usually consider several aspects when granting loans to natural persons.
First, the amount of liabilities reflected in the credit report (total credit, monthly repayment, etc.). ), type (mortgage, mortgage, credit, online loan, etc. ) and the number of transactions (long loans).
The second is the ratio of customers' assets to liabilities (bank flow, real estate, automobile production, social security, provident fund, etc. ) provided by the customer or adjusted by the bank.
Third, the ratio of the total credit line of credit card to the average usage line in the last six months.
Fourth, the overdue situation (usually, it is required that it cannot exceed three consecutive years and six consecutive years in the past two years, because at present, some banks have requirements for the overdue situation in the past five years because of the credit situation extracted by credit information in the past five years. )。
Fifth, the external guarantee.
Sixth, the number of inquiries about loan approval within 1-2 months (some credit requirements cannot exceed 4 times in the last February).
Seventh, big data report. (including litigation, crime, long-term lending, etc.). )
Knowing the above ideas, if online loans such as gold bars, loans and micro-loans are frequently used, it will increase the number of loans, liabilities, loan approval and inquiries, increase the possibility of overdue, increase the proportion of assets and liabilities, and increase monthly payments, which will really affect bank loans.
Third, we should distinguish between mortgage loans and credit loans. Because mortgage loans are secured by property, the general credit line can be completely covered by the value of collateral, so there are usually not many requirements for the review of other qualifications. Banks will only require some hard conditions, such as the number of overdue, and the bank's running water should cover the monthly repayment. Therefore, if the online loan repayment is good, not overdue, and the personal income is excellent, in fact, the impact on housing, car loans, mortgages and other loans is relatively small. The frequent use of online loans has a greater impact on bank credit, which is actually credit loans.
Finally, both formal bank loans and small online loans are a form of personal credit value. Traditional banks have a fixed risk control system, and there are too few things that can be adjusted or flexible, resulting in a huge market, high credit value and low cost. Because of its novel model, many channels for collecting information, flexible credit granting, low credit value but high cost, online small loans are widely used. Therefore, my personal suggestion is that if your work unit is excellent, such as state-owned enterprises and institutions, and the social security provident fund payment is very high, please accumulate more bank credit and use credit cards and bank credit products, which are stable, with low interest and high quota. But if you don't have good conditions for accumulating bank credit, online lending is also possible. As long as the repayment is normal, it will not have much impact on life events such as buying a house and buying a car. However, both bank loans and online loans are now the era of big data accumulation. If you borrow money, overspend, and then overdue, it will cause an irreparable credit stain. Some people think that the credit report only records the credit situation within five years. I will improve my credit five years overdue, but I don't know that the powerful recording function of the big data risk control system will accompany you for a lifetime. Now, traditional financial institutions such as banks are beginning to access the big data query system more. Therefore, please borrow reasonably, spend rationally and cherish personal credit.
Hello, everyone, I am a financial consultant in Zhengzhou, and I have been working in the loan field for many years. Flower buds, loans and micro-loans are all online loans. The customers we handled were badly hurt by online loans, and we regret it.
1, online lending is ok, but we must be temperate and do what we can.
With the development of internet finance, money is too easy to come by, and the threshold for borrowing is too low, which makes many people spend without restraint. As a result, the hole is getting bigger and bigger, the credit information is getting worse and worse, the online loan is getting more and more spent, and finally the credit information is rotten and the bank refuses.
2. Look at the interest of online loans. It is really not low.
See which one is below 1.5.
3. Use it occasionally, but don't use it frequently and heavily.
For those friends who have no credit history, this is the easiest way to have a credit history. For some college students, without a source of income, uncontrolled consumption will only fall into a vicious circle, and robbing Peter to pay Paul will cause problems sooner or later.
For those friends who work, it is ok to use turnover occasionally, but these online loans are used for final credit, and these are also debts. If you go to the bank to apply for a loan in the future, the bank will block your inquiry and block your debt.
4. How do banks view online loans?
Everyone thinks it's too much trouble to apply for a loan from the bank. Although the interest rate is low, they always feel that the bank is too high and demanding and unwilling to handle it. In fact, this idea is wrong. As long as you have real estate, provident fund and so on. Bank loans are still easy to apply for.
Bank loans look at two aspects, things and people. Not to mention "things", that is, cars and houses; "People" is your credit information. If you frequently order online loans, the bank will think that you are too short of money. The more you are short of money, the less the bank will lend you money. Moreover, there is an average repayment amount in the last six months on the credit report. If the bank thinks that it exceeds your repayment ability, it will directly refuse the loan, so stay away from online lending and start with me.
As a veteran of credit and a user of flowers, loans and IOUs, I would like to express some real views on this issue.
At present, it is very common for young people to use flower buds, loan buds, micro-loans and JD.COM IOUs. For example, according to the data released by Ant Financial, the balance of flower buds and loan buds alone is about10.7 trillion, which is very large.
Because of this, many people are worried about whether using these consumer credits will affect their credit in banks.
Whether the use of these consumer loans will affect your credit information depends on the specific products. Let's see how these consumer loans affect your credit.
Bai Hua 1.
Judging from the current actual situation, most users' flower buds have not been reported to the central bank for credit information, but some users do report that they saw the flower bud records when inquiring about credit information. The credit report shows that Chongqing Ant Microfinance Co., Ltd., if there is a record of this small loan company, indicates that everyone's spending money has been reported to the central bank's credit information system.
Of course, users who have not reported to the central bank's credit information system may be reported to the central bank's credit information system if everyone fails to repay the money normally and is overdue.
2. Sorry
What is certain is that all users should report to the central bank's credit information system. Whether you inquire about or use the credit line, it will be displayed on the central bank's credit report. The main body of the exhibition is Chongqing Ant City Commercial Microfinance Co., Ltd.
For example, for new users, if you inquire about how much money you borrowed, Ant Financial is authorized to view the credit report by default at the inquiry entrance, then this inquiry record will be displayed on the credit report.
In addition, for old users, if you are currently using ant borrowing, or have a record of using ant borrowing, then all the borrowing records in the last five years will be displayed in the central bank's credit report.
3. Microfinance.
The logic of micro-lending is the same as that of ant borrowing. Both the inquiry and the use of the credit line will be displayed in the central bank's credit report, and the main body is Weizhong Bank.
4.JD.COM's white stripes.
JD.COM's IOUs, like flowers, are actually a consumer loan. Whether JD.COM IOUs are included in the central bank's credit report depends on different users.
As early as 2065438+March 2008, Wei, the official of Jingdong Finance, said that the gold bars, white bars and Jingnong loan businesses had started the credit access work, and would be truthfully reported according to the relevant requirements of the central bank after formal access. Moreover, in the last two years, many IOUs users in JD.COM reported to the central bank's credit information system. The main body of the report was Chongqing Liangjiang New Area Shengji Microfinance Co., Ltd., and the reported amount was 20 1 965438+1October1.The maximum credit line of users, including fixed line, temporary line and exclusive line, was subject to the credit information report.
Judging from the actual situation, if everyone repays in full when due, they may not report it, but they may report it in installments.
Many people don't know the reporting quota of IOUs in JD.COM, because many users may only use IOUs of several hundred dollars, but JD.COM reports according to the maximum credit line, which makes many users very disgusted.
However, it is not difficult to understand. In fact, JD.COM IOUs also belong to a kind of credit card consumer credit. At present, bank credit cards are reported according to credit line and usage line. I believe that in the future, including ant flowers, borrowing flowers, micro-loans and JD.COM IOUs, it is possible to refer to credit cards for reporting.
In addition, from the current regulatory policy of China's online microfinance, it is expected that all microfinance loans will be connected to the central bank's credit information system in the future to facilitate supervision, and some online consumer credit used by everyone will be reported to the central bank's credit information report.
Will the use of these consumer credits affect bank credit?
We can also tell you for sure that judging from the auditing standards of major banks at present, the use of microfinance will definitely have a certain impact, especially when applying for a mortgage.
At present, if you apply for a housing loan in a bank, as long as the bank finds that there are small consumer loans that have not been settled, and the main body of these loans is online credit such as Ant Financial or JD.COM, then the bank will basically ask everyone to settle these online consumer loans before they can be approved normally.
Why did the bank do this? In fact, there are two reasons:
First, I am worried that people will use consumer loans as down payment.
At present, the regulatory authorities prohibit all kinds of consumer loans from entering the property market in violation of regulations. Once found, they will be punished. Therefore, major banks are very careful when approving mortgage loans. Once it is found that users have a large online consumer credit balance, they will basically ask everyone to settle it before they can enter normally.
The second is to worry about everyone's repayment.
Everyone knows that the interest rate of online credit is relatively high. If a person can bear such a high interest rate, banks will think that this person's repayment ability is weak, so some banks may refuse because they are worried about repayment ability.
Of course, if you only apply for credit cards or some commercial loans, the impact may not be so great, but it will have some impact to a certain extent. These are some "hidden rules" of banks.
If you don't handle housing loans, commercial loans and credit cards at ordinary times, it doesn't matter if you use these consumer credits frequently, but if you use these consumer credits frequently, there will be a lot of inquiry records and credit records in your personal credit record, which can't be cleared in the last five years, so I suggest that you don't use these consumer credits frequently if you have nothing to do, because once you use them, they will be recorded in the credit report.
Don't use online loans frequently, especially small loans. Even if you repay on time, it will definitely affect your credit information.
In the future, loans to buy a house, a car or pure credit will suffer, regardless of the amount or interest rate.
Many people say that I paid back the money on time. How can you affect my credit information?
Please don't judge the influence of online loans on credit information according to the logic of credit card swiping.
First of all, we should learn to distinguish between credit consumption and peer-to-peer lending, which are completely different in nature and have different influences on credit investigation.
Credit consumption, such as Ant Flower Shop and JD.COM White Strip, belongs to credit consumption in essence and is similar in nature to credit cards.
If there is no overdue, there will be no credit.
Ant lending and micro-lending are both loans, similar to bank loans and credit loans.
No matter whether it is overdue or not, credits will be collected at the meeting.
Because of their different nature, these two types of banks have completely different attitudes towards them.
Credit card belongs to consumption in advance and repayment in the next month. As long as there are no stages, there is essentially no financial crisis for borrowers.
The nature of online loans belongs to loans, most of which are loans for half a year. Excessive online loans, especially multi-platform loans, will be considered by banks to have problems with your financial situation, and it is very likely that multi-platform loans will appear to make up for the situation.
If you often borrow small and micro loans, such as thousands of dollars, it will be considered that the fund management is chaotic and there is no stable source of income, which will definitely affect future loans, whether it is mortgages or other commercial loans.
In this case, when you want to find a bank loan, the bank will be very cautious to avoid the loan can not be repaid.
Even if there is no overdue repayment of online loans, banks are very strict and cautious about people who frequently use high-interest online loans, and there will be special adjustments in lending quotas and lending rates to achieve better risk control goals.
It is strictly forbidden to use online loans as the down payment for buying a house, that is, to go to the "down payment loan", which is an insurmountable red line.
Anyone who has applied for a mortgage in the last two years should know that if you have not paid off the online loan, as long as there is a certain amount, the bank will definitely ask you to repay the online loan first when applying for a mortgage.
It can be seen how lethal online loans are to mortgages.
Secondly, the use of online loans is too frequent, and the review of bank lending will be stricter, especially in the amount of mortgage loans.
It is also very strict in the back-end mortgage approval and hedging tracking.
As a relatively low-interest loan, the bank will definitely keep the risk to a minimum, and the requirements for the borrower's repayment ability are definitely the most stringent.
Therefore, people who have the idea of buying a house in the next few years must pay attention to their credit information and try to avoid using online loans.
In principle, credit cards, flower beds and white bars can be used normally. As long as this kind of credit consumption is not overdue, it will not affect the credit investigation, but also enhance the credit.
Many people only know the central bank's credit information system, but they don't know that banks have their own set of standards for customer credit information.
Banks will establish their own database as an internal credit information system according to customers' capital transaction records, credit card consumption records and credit records, including the purchase records of some wealth management products.
The central bank's credit information system contains all credit information, including liabilities, guarantees, marriage relations, etc. , very comprehensive.
One of the most important items is online loan, so the online loan record is absolute credit and one of the most important reference items.
The bank's own credit information system and the central bank's credit information system are both very important in nature. It can be said that the credit information within the bank is a plus item, and the credit information system of the central bank is necessary.
Many people don't realize the importance of credit information for themselves.
Some people even think that if they want to borrow money, they have no time to consider the issue of credit reporting.
This is a typical poor thinking, thinking only about today and not caring about tomorrow.
A person who has no plans to buy a house or a car is doomed to be a loser.
Once there is a problem with credit reporting, it is almost equivalent to bidding farewell to formal lending. Now even the formal online lending platform is connected to big data. If the credit is overdue, you can't lend.
Credit information black households, in the era of big data, will be unable to move.
Everyone has difficulties, which happen occasionally in loans overdue.
If there is a bad credit record, the first thing to do is to solve the problem first and repay it immediately.
Generally speaking, short-term debt extension, if the amount is not large, as long as it is repaid, will not lead to particularly serious problems in credit reporting.
Repay the loan at the first time, explain the reason for the delay, and let the bank issue a certificate, which will not affect the subsequent loan.
If the breach of contract is serious, takes a long time, or the amount is large, the impact on credit information will naturally be very serious.
Even three tired six is the red line of credit information.
The so-called three consecutive months overdue, six overdue.
In this case, the bank must 100% refuse to lend.
In addition, the so-called credit repair is a scam and does not exist.
Eliminating bad credit information takes five years, and two conditions must be met at the same time.
1. Pay off all loans, interest and penalty interest.
2. Five years from the date of repayment of the loan.
The so-called credit record will be automatically eliminated after five years. In fact, the problems are all nonsense, and the money that should be paid is always paid back.
1, credit card, flower bed, flower bed borrowing, set repayment date reminder, pay back on time if you have money, and pay in installments immediately if you don't have money.
2. Please be cautious about online loans. Small loans must be used sparingly.
3. Reduce the guarantee for others, and avoid others' inability to repay, which will affect your credit information.
4. Check 1 time every year, and make up for the problems found in time.
5. If it is overdue, repay the arrears as soon as possible, communicate with the bank and explain the situation.
6. If identity theft causes others to borrow money, contact the bank to solve it as soon as possible.
Credit has no size, starting with a little accumulation.
In the long run, it will definitely affect.
I vaguely remember Ma Yun's words, "If banks don't change, we will change banks". Since then, Alipay was born, which set off a huge wave in the payment system, completely broke the traditional paper money payment system, and people began to generally accept mobile electronic payment.
Subsequently, WeChat, JD.COM, Meituan, etc. I started thinking about payment. Of course, Ali can't keep such a big cake. Now in the mobile payment market, Alipay and WeChat payment are equally divided, while Jingdong payment is mainly used on its own e-commerce website.
Where there is payment, there is borrowing. Traditionally, it is to borrow money from banks. Later, banks began to introduce credit cards, which are essentially a lending tool. With the popularity of mobile payment, flowers, loans, micro-loans and IOUs all belong to this category. However, there are still some subtle differences. Buds and white stripes are similar to credit cards. Spend this month and pay it back next month, as long as it's not overdue. However, borrowing and micro-lending are both small loans, which require a certain fee or interest.
Everyone knows that the central bank has a set of credit rules, and everyone has a credit report based on this set of rules. You can underestimate this credit report. For individuals, basically any information about you will be reflected in the credit report. Your birthplace, education information, work information, bank cards and credit cards in your name, and whether there are overdue payments are all recorded in detail. This credit report is needed for handling credit cards and housing loans. The importance of credit investigation is self-evident.
At present, JD.COM Baitiao and Bai Hua have not received any credit reports, and they are not clear about borrowing and micro-loans. But I'm sure that in the near future, these online payment channels all need credit reporting. So close it if you can, and use a credit card for daily expenses. Not only is it conducive to personal credit accumulation in the bank, but sometimes the bank will also engage in interest-free installment or lottery gifts, and some wool.
Finally, imagine that if you usually spend money through Alipay or WeChat and don't let the bank earn you a penny, you suddenly think of the bank when you need money for a loan. Do you think the bank will lend you a loan smoothly?
As a professional manager with many years of bank loan experience, it will definitely affect. Although your credit report is good, it is not overdue and the debt is not much, even if you use a few flowers or small loans as loans, it will affect the bank's credit approval for you. The credit requirements of bank credit loans to customers are mainly as follows:
1. Debt
The credit card limit cannot exceed 50%, and some banks are even stricter. Credit loans cannot exceed two, especially loans from online loans or small loan companies. Banks are more sensitive to these institutions, because risk control will think that these loans have high interest rates, which will make customers become risky customers and may repay loans with loans.
2. Number of queries
Too many inquiries in the short term, such as loan approval and credit card inquiry, will also affect. Because the risk control believes that customers who apply frequently in the short term must be short of funds, and other institutions do not recognize it, which has certain risks.
Specifically, it will definitely affect
Excuse me. Microfinance and JD.COM gold bars are linked to credit reporting. But if you borrow it, it will not appear in the credit record immediately, and there will be a buffer period in the middle, about one month, and your loan record will not be in the credit loan data.
These are small consumer loans. If you often borrow small loans, it means that your cash flow is not sufficient. The bank will take your loan record as a reference before issuing the credit line. If you borrow too much, you will think that you are short of money, so naturally you dare not give you too much credit line for fear that you will not be able to pay.
Bai Hua and Baizhou have not been included in the credit loan record for the time being, and these two influences are mainly on their respective platforms. The more time you spend drinking IOUs, the lower the amount of IOUs, which is the same as the bank appropriation.
These platforms have also formed a certain competitive relationship with banks. The threshold of bank mortgage is high, and there is almost no threshold for microfinance. Even encourage you to borrow money. In order to get into the habit of borrowing money for consumption, the interest rate is also very high, the annual interest rate is about 15%, 10000, and the annual interest rate is 1500.
The bank will lower the annual interest rate 10%, but it is not a good bird.
In the long run, if young people want to buy a house and get a higher amount of loans, they should be cautious in using micro-platforms.
Small platform borrowing, gold bars are suitable for emergency. Who hasn't had an emergency? After all, it is really difficult to borrow money these days.
If you are not short of money, you can increase your credit limit by swiping more credit cards and repaying on time.
Each has its own advantages, and helping everyone is the most important thing.
How much you can do, consume within your own economic scope, do what you can, and not be bound.
Remember to do what you can! ! !
Yes, and the influence is getting bigger and bigger.
The traditional content of loan credit inquiry as early as two or three years ago. When handling the credit business, the account manager inquired about the main information of the customer, including: credit report, blacklist, executor information, industrial and commercial information inquiry, online verification, etc.
The most important basis is the customer's credit report, which mainly shows the customer's name, gender, ID number, occupation information, marriage information, social security and provident fund deposit information, credit card and loan application, approval record, credit usage, etc.
Since banks introduced big data system to systematically evaluate customer information, online loans and credit records, such as online loans, consumption stages, and flower buds, have also been included in the assessment of bank credit information system, which has an important guiding role in loan approval. Since last year, my rural commercial bank has been connected to the big data information system. By inputting the customer's identity information, you can find out the customer's credit information, social security and provident fund deposit, loan and use of online lending platform, water, electricity, gas, communication fees and so on.
Through many times of examination and approval of customers, customers who have had online loans and lending services at various stages of consumption platforms have the highest rejection rate.
Nowadays, the bank's microfinance approval business has changed from traditional manual approval to intelligent approval of big data system.
The account manager only acts as a data collector and authenticity checker between loans. The role of big data systems is becoming more and more important.