The judicial case information inquired by Chengdu Rural Commercial Bank is updated and processed by the credit reporting agency. According to relevant public information, credit reporting agencies are third-party credit information service agencies, whose main responsibilities are to collect, analyze and provide personal and corporate credit information. In the process of loan application and approval, the bank will inquire about the borrower's credit record from the credit reporting agency to evaluate its repayment ability and credit status. If the borrower has information about judicial cases, the credit reporting agency will update the database in time, which will become an important reference for banks to judge whether the borrower has loan risks.