You can't apply for a loan without a comprehensive score. Comprehensive evaluation is to comprehensively examine the internal and external subjective and objective environment that affects individuals and their families, and comprehensively judge and evaluate their ability to fulfill various economic commitments. Its credit scoring system refers to a statistical and evaluation system that gives different scores according to the borrower's loan and debt repayment history, credit status and other information to decide whether to approve loans or credit lines.

According to Article 11 of the Interim Measures for the Administration of Personal Loans, applying for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Extended data:

Interim Measures for the Administration of Personal Loans Article 42 If a lender is under any of the following circumstances, the China Banking Regulatory Commission may, in addition to taking regulatory measures in accordance with the provisions of Article 41 of these Measures, impose penalties in accordance with the provisions of Articles 46 and 48 of the Banking Supervision Law of the People's Republic of China:

(a) the issuance of unqualified personal loans;

(two) the loan contract signed does not conform to the provisions of these measures;

(three) in violation of the provisions of article seventh of these measures;

(4) Entrust all loan investigation matters to a third party;

(five) beyond or disguised beyond the loan authority to approve loans;

(6) instructing borrowers to obtain loans under fictitious circumstances;

(seven) the borrower's violation of the loan contract should be found but not found, or found but did not take effective measures;

(eight) other circumstances that seriously violate the prudent operating rules stipulated in these measures.

Baidu Encyclopedia-Interim Measures for the Administration of Personal Loans

Baidu Encyclopedia-Personal Credit Score