1. Go to the local branch of the People's Bank of China with my valid ID, and print the personal credit report under the guidance of the bank staff. You can check the ID card loan record in the credit report, and you can check it twice a year for free. However, you must use your personal ID card to complete information verification and face recognition before you can query and print the credit report.
2. official website, who has logged into the Credit Information Center of the People's Bank of China, has registered to log in. After completing identity authentication and mobile phone verification, he can see personal credit information tips, personal credit information summaries or view personal credit reports on the platform.
But generally speaking, when lending online, you need to show the original of the second-generation valid ID card, and your personal credit record and repayment ability can be used as the basis for the loan, so you may not be able to lend with only one ID number.
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Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense 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.
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
How to check whether there is a loan on the ID card?
There are several ways to check my loan records.
1, online banking query
Log in to personal online banking → click "Sub-branch function" → personal loan information query, query the repayment plan of the current year, query the historical repayment record and adjust my personal information;
2. Telephone banking inquiry
Call ICBC Telephone Banking 95588→ For individual customers, please press 1→ Enter the customer number or passbook number or → For personal loan information inquiry, please press 7→ Personal loan information inquiry.
3. Bank outlets query
I took my ID card to the Credit Management Office of the local people's bank to inquire and print personal credit reports.
4. Consult the bank loan auditor.
You can query the repayment plan, historical repayment record and personal information adjustment of the current year. Different banks have different regulations. You can call the customer service telephone of the handling bank for specific inquiry steps.
legal ground
People's Republic of China (PRC) Commercial Bank Law Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method.
Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.
After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
How to query ID card loan records?
There are three ways to inquire about ID card loan records, namely, inquiring about central bank credit records, making phone calls and inquiring about loan accounts.
The specific operation method is as follows
Method of checking credit information of central bank
1. The People's Bank of China has branches or sub-branches all over the country. You can go to the credit information department of the local central bank to check the ID card loan record.
2. You can log in to official website, the Central Bank, register and log in to your personal account, and submit an application for inquiring the loan record of your ID card. After 24 hours, the system will inform us of the query results by SMS, or we can go to the personal account of the central bank to query the results ourselves.
The specific steps of making a phone call
1. Learn about the customer service phone number of the lending institution through the mobile APP and official website;
2. Submit an application to the customer service staff and inquire about the ID card loan record;
3. If the application is approved. The customer service staff will inform us of the ID card loan record by phone or SMS.
Inquire about loan account
You can also query the ID card loan record by entering the loan account. Under normal circumstances, our personal account will record our loan times, term, application date, amount and repayment method in detail. Through this information, we can also know our loan records.
The simple and popular understanding of loan is to borrow money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense 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.