Personal credit refers to the credit provided to nature (and its family) through certain agreements or contracts on the basis of trust, so that individuals who accept credit can obtain goods or services without paying cash. It includes not only credit transactions for personal or family consumption, but also credit for personal investment, entrepreneurship and production and operation. Personal credit system is a system of rules about personal credit transactions. Personal credit can be expressed as personal consumption credit and personal business credit. Personal consumption credit refers to personal credit. Individuals buy goods on credit from commercial enterprises, including consumer credit provided by financial institutions to individuals. The object of personal consumption credit is mainly durable consumer goods, such as houses, cars, furniture and electrical appliances. Even including education, medical care and various services. Personal commercial credit is the personification and concretization of enterprise credit, and it is the concentrated reflection of enterprise credit relationship on individual operators. Personal credit report is an objective record of personal credit information. Record all personal credit payment history. Including: the performance record formed by the credit relationship with financial institutions; Performance records formed by loan relationship with other institutions or individuals; Performance records formed by the credit purchase relationship with commercial institutions and public institutions; Performance records formed by economic relations with housing provident fund, social insurance and other institutions; Records of unpaid taxes and fees that should be paid according to law; Various commendation records; And other criminal penalties, administrative penalties, administrative penalties or civil compensation records that may affect personal credit status. Personal credit report is an important reference for lenders to quickly and objectively decide whether to provide credit to the trustee.

Second, the significance of personal credit

Personal credit is not only the foundation of a country's market ethics and moral culture construction, but also a huge resource for a country's economic development. The development and utilization of such resources can effectively promote consumption, optimize resource allocation and promote economic development. The more the market economy develops, the more important the role of personal credit is, and the perfection of personal credit system has become one of the obvious signs of the maturity of market economy. The quality of social credit is a comprehensive reflection of the normal performance of various contract chains. Consumer credit reflects consumers' credit consumption, that is, consumption is realized through personal credit, and credit becomes a means to repay credit. The credit business that really relies on personal credit, except unsecured credit cards, has little business. Most consumer credit is handled by comprehensive repayment ability, that is, on the basis of the first repayment source, mortgage methods such as house mortgage, vehicle mortgage, third-party guarantee and performance guarantee insurance are added, and the borrower's risk is locked through the combination of loan methods.

3. How to check personal credit?

Personal credit inquiry platform: Credit Information Center of China People's Bank. After entering the query portal in the Android operating system, click "Start Now" on the right; After registration/login, select the verification method and credit information; Follow the prompts and submit. After applying, you can get a personal credit report the next day. The result of personal credit inquiry is reflected in personal credit report. The information mainly includes: 1, personal basic identity information (name, date of birth, address, telephone number, work unit, etc. 2. Credit records (repayment records of credit cards and consumer credit) 3. Public records (communication payment, public utility payment, court judgment records, etc. 4. Inquiry records (all the inquired records of the respondent within 6 months).