Taking the discretionary payment of Suning Finance as an example, Suning's consumer finance is conducting credit investigation.
As a micro-credit product launched by Suning Finance, voluntary payment is mainly issued by regular licensed financial institutions. Truthfully reporting credit information in accordance with the law is a clear requirement for government supervision departments in the Regulations on the Administration of Credit Information Industry and other systems.
Overdue payment will not only generate liquidated damages, but also upload overdue information to the credit information system of the People's Bank of China. In order to maintain a good credit record, it is necessary to repay on time.
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1, the influence of arbitrary payment declaration on credit record
Arbitrary payment is a micro-credit product that Suning Group provides customers with a certain amount of daily consumption. Whether it affects credit records or not, different banks and financial institutions have different credit policies, but first of all, it depends on the usage: if you use discretionary payment and repay in time, it shows that you have good personal integrity habits; On the other hand, if there are frequent overdue defaults, personal credit will be reduced.
2. Submit the credit report at will.
You need to get the customer's consent before you can make a credit report. When the customer applies for discretionary payment, the system clearly prompts the customer to read and sign the consumer loan contract, personal credit information and information use authorization. , and the agreement clearly stipulates the relevant authorization terms such as inquiring and submitting credit information to remind customers to read. According to regulatory requirements, discretionary payment can only be inquired and submitted after obtaining the consent of customers.
Is there a credit report on Suning Financial's willful loan overdue for two days?
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The "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Disbelief" has corresponding provisions on this:
Article 1 If the person subjected to execution fails to fulfill the obligations specified in the effective legal documents, and under any of the following circumstances, the people's court shall include him in the list of people subjected to execution for breach of trust, and impose credit punishment on him according to law:
(1) Having the ability to perform and refusing to perform the obligations specified in the effective legal documents;
(2) Obstructing or resisting execution by forging evidence, violence or threats;
(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;
(4) refusing to perform the settlement agreement without justifiable reasons.
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The Supreme People's Court's relevant laws and regulations on publishing the information of the list of untrustworthy executors;
Article 12? The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. The information recorded by the credit information system includes positive and positive information, as well as some negative information.
It mainly includes the failure to repay the principal and interest according to the time required by the contract after the loan relationship with the bank, and the situation of default and repayment will be truthfully reflected in the credit record, which will have a negative impact on personal credit.
Article 13 Where a credit reporting agency engaged in personal credit reporting business is dissolved or declared bankrupt according to law, it shall also make an announcement in the media designated by the credit reporting supervision and management department of the State Council, and submit the business license of personal credit reporting business to the credit reporting supervision and management department of the State Council for cancellation.
What will happen to Suning Financial wayward loans overdue?
1 will be dunned by the loan platform. At the same time, personal overdue will also affect personal credit and pay a certain amount of overdue interest on the platform. Therefore, it is recommended that individuals repay as soon as possible.
If it is overdue, it will affect your credit. If you take credit at the meeting, you will be in trouble in the future.
3. Because Suning's financial risk control is very strong, its loan products will basically check credit information. Suning customer service said: Suning's willful loan will be collected after the deadline, and the user's credit will be checked during the audit process.
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Suning finance
Suning Finance has always been located in inclusive finance, fully providing suitable and effective financial services for the public, and discretionary payment is an important boost to Suning's inclusive financial practice.
Voluntary payment relies on big data and cloud computing. For customers who have been invited to extend credit, the loan can be released as soon as 1 minute, and the maximum credit line for a single user can reach 200,000 yuan.
Focusing on the financial needs of upstream suppliers and downstream users in financing, wealth management and credit consumption, Suning Small Loan has provided more than 57 billion loans to nearly 10,000 partners, and Suning raised nearly 654.38+05 billion yuan in crowdfunding.
Has been ranked in the top three in the industry. With the approval of the bank license, Suning Finance has become a private financial industry group with a very complete license.
What will happen to Suning Financial's willful loan?
Self-willed loan is a credit loan product launched by Suning Finance. Many people have applied for Suning Financial's willful loan to solve the financial problem, but due to financial reasons, they are still unable to use it. So what about Suning Financial's willful loan?
1, affecting personal credit. Suning Financial's willful loan is for credit reporting. If the borrower fails to repay the loan according to the repayment time, Suning Financial's willful loan system will upload the overdue records to the central bank for credit investigation, thus affecting personal credit.
2. Be collected. Once Suning Financial's willful loan is not repaid, it will be collected by the staff in stages, and the collection staff will collect it by telephone or SMS. This will seriously affect the borrower's living conditions during the collection period.
3. Charge penalty interest. Suning Financial's willful loan will still charge a penalty interest. If the overdue fee is charged according to the number of days, the longer the overdue days, the higher the overdue fee, which increases the burden on the borrower.
Suning's financial willful loan cannot be said to be very serious. If you can't be sued for a long time, you will be required to make compulsory repayment. Therefore, users who are willing to borrow money from Suning Finance must pay back on time, and they must not pay back.