The user did not apply for a loan, but there was a post-loan management record in the credit investigation. This is because the loan applied for before has not been paid off. As long as the previous loan has not been paid off, the lending institution will inquire about the user's personal credit from time to time, and will leave a post-loan management record after the inquiry. Post-loan management records will not affect personal credit information. If users feel that the inquiry is too frequent, they can ask lending institutions to reduce the inquiry frequency.
Lending institutions need to know the repayment and liabilities of users through post-loan management, so as to know whether the loan is overdue in time. As long as the user repays the loan on time and the personal debt ratio is controlled within a reasonable range, there will be no other measures after the lending institution conducts the post-loan management inquiry.
Of course, if the user pays off the loan, the loan contract will be automatically terminated. At this point, the lending institution will no longer query the credit information of users. As for the previous post-loan management inquiry records, they will not be displayed after 2 years.
Is the post-loan management on the credit report a loan?
Post-loan management disperses loans, because loan management is a routine risk investigation method adopted by lending institutions during the period from lending to loan settlement. After all, the borrower's credit status is constantly changing during the period, and the borrower will have some other needs after lending, such as withdrawing money and repaying the loan in advance. Lending institutions need to confirm the borrower's current credit status before handling, so they need to carry out post-loan management.
After the lending institution conducts post-lending management, it will leave a post-lending management inquiry record in the inquiry record of the borrower's credit report. The inquiry record of post-loan management belongs to neutral inquiry, which has little influence on borrowers. As long as the borrower does not borrow frequently, it triggers the risk control of lending institutions, which believe that borrowing risks are high and generally do not manage after lending easily.
In addition, the post-loan management records are only kept for 2 years and automatically eliminated. The borrower can infer the specific elimination time from the post-loan management time of credit investigation.
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Will there be too many post-loan management inquiries affect the loan?
The number of post-loan management inquiries will not affect the loan. The number of post-loan management inquiries is not counted as the number of credit inquiries, so no matter how many post-loan management inquiries, personal credit information will not be wasted. Bad credit information or bad credit information will affect the subsequent application for loans. Under the condition of normal credit information, the probability of applying for a loan passing the examination is relatively high.
Therefore, users do not need to manage the number of inquiries after the loan, as long as there is no bad credit record in the credit investigation, timely repayment is conducive to actively maintaining personal credit.
No loans or credit cards. Why is there a query record of post-loan management on the credit information? The credit report shows that there are no credit cards and loans.
If you haven't made a loan, the bank will take care of it after self-examination, and you can go to the self-examination bank to complain about the relevant bank. But in some banks, credit card post-lending management and loan post-lending management are one department.
Post-loan management can be regarded as self-examination and regular review, and it is important information for approval, quota adjustment and promotion. As long as you apply for a credit card or loan, post-loan management will occur and you can't supervise it yourself. Banks have the right to inquire about credit reports.
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Please pay attention to the post-loan management of personal credit report:
1. First, you must have a valid identity document, provide a household registration book, and have full civil capacity;
2. Have a stable job and a good income. If you receive your salary through bank transfer, you need to submit the running proof of your salary card;
3. Unmarried persons submit unmarried certificates, and married persons submit information about their spouses and family members;
4. Have a fixed account in the bank applying for the loan;
Post-loan management refers to banks that have business dealings with you (such as credit cards and loans) to inquire about your credit information, evaluate your recent personal credit situation, and avoid risks.
There is no influence on post-loan management, such as credit card withdrawal or bank loan post-loan management, which is to check your repayment progress and usage.
If you have checked the credit information before, you have checked the post-loan management.
If there is a loan or credit card business in the bank, the bank will regularly check the credit status of customers, and the words post-loan management are displayed on the credit information.
According to Article 35 of the Interim Measures for the Administration of Personal Loans:
After the personal loan is issued, the lender shall take effective measures to track, check and monitor the use of loan funds, changes in the borrower's credit and guarantee, and ensure the safety of loan assets.
Lenders should distinguish the types, objects and amounts of personal loans, and determine the corresponding loan inspection methods, contents and frequencies. The internal audit department of the lender shall conduct spot checks and evaluations on the work quality of the loan inspection department.
I don't have a loan. Why did Ping An Bank check my credit information because of post-loan management?
If you have a credit card of Ping An Bank and use it normally, Ping An Bank can check your credit information for post-loan management. If you don't have a credit card and have no authorization to inquire about personal credit, Ping An Bank can directly complain to the CBRC. Do you have a credit card or a loan from Ping An Bank? If so, it doesn't matter. It's just a routine post-loan credit inquiry of Ping An Bank. There is no impact on housing loans.
Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks. The registered capital is 565,438 yuan+23.35 million yuan and the total assets are nearly 65,438 yuan +0.37 trillion yuan. Its headquarters is located in Shenzhen, Guangdong Province.
China Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "China Ping An") and its holding subsidiaries hold about 2.684 billion shares of Ping An Bank, accounting for about 52.38%, and are the controlling shareholders of Ping An Bank. There are 34 branches in China and representative offices in Hongkong.
20 12, 1, Shenzhen Development Bank, the predecessor of Ping An Bank, acquired Shenzhen Ping An Bank, a subsidiary of Ping An Insurance Group. After the acquisition, SDB changed its name to New Ping An Bank, which officially opened. 2065438+On June 26th, 2009, eight banks including Ping An Bank launched the first batch of enterprise information networking verification systems.
Fujian Asian Bank was established in February, 1992, 1993. As a joint venture bank established in response to the pilot of foreign investment in the financial sector, Fujian Asia Bank, jointly funded by China Bank Fujian Trust Consulting Company and Hong Kong Zhongya Finance Co., Ltd., was officially opened on June 26th with the approval of the People's Bank of China. 1993.
On February 29th, 2003, with the approval of China Banking Regulatory Commission, Ping An Insurance Group and Hongkong and Shanghai Banking Corporation (HSBC) formally acquired 0/00% shares of Fujian Asia Bank.
According to the acquisition agreement, HSBC will spend no more than US$ 20 million to acquire a 50% stake in Fujian Asia Bank; Ping An Insurance Group acquired the remaining 50% equity through its Ping An Trust and Investment Company. Since then, Ping An Insurance Group has continued to inject another US$ 23 million into Fujian Asia Bank, thus increasing the total amount of injected funds to US$ 50 million, holding 73% of the shares of Fujian Asia Bank and diluting the shares held by HSBC to 27%. The acquisition cost Ping An Trust US$ 43 million, totaling RMB 356 million at the current exchange rate.