Loan credit how to query

Loan credit inquiry can choose the following three ways:

1, online query: Login to the People's Bank of China Credit Center official website, click on the personal credit service, new user registration, identity verification, verification through the selection of credit report, submit and wait for the identity verification code, After entering the identity verification code, you can view the credit report. (The above steps operating environment: computer model: Lenovo (Lenovo) YOGAC740 Lenovo (Lenovo) Saver Y7000P; system version: Windows 7 Windows 7; software version: IE8.0.7600.16385IE8.0.7600.16385)

2, self-service query machine query: Most commercial banks are equipped with personal credit report self-service query machine, using face recognition technology and ID card, after a successful comparison, enter the cell phone number, you can query or print personal reports.

3, offline query: you can also choose to go to the local People's Bank of China branches, credit sub-center query. Note that you must bring the original and copy of your valid ID.

Loans (electronic debit credit loans) is a simple common understanding of the need for interest to borrow money.

Loans are a form of credit activity in which a bank or other financial institution lends monetary funds at a certain interest rate and under conditions such as having to return them. Loans in a broad sense refers to loans, discounting, overdrafts and other lending funds in general. Banks through the loan will be concentrated currency and monetary funds put out, can meet the expansion of social reproduction on the need for additional funds, promote economic development, at the same time, the bank can also be obtained from the loan interest income, increase the bank's own accumulation.

A review of the risk

Loan risk generation, often in the loan review stage began, the comprehensive judicial practice occurs, it can be seen, in the loan review stage of the risk appeared mainly in the following links.

(a) the review of the content of the omission of bank loan reviewers hang up, resulting in credit risk. Loan review is a detailed work, requiring the investigator on the qualifications of the loan subject, qualification, credit, property status of the systematic examination and investigation.

(ii) in practice, some commercial banks do not have due diligence, and the relevant loan examiners, often pay attention only to the identification of documents, but the lack of due diligence investigation, so that it is difficult to identify fraud in the loan, and it is easy to cause credit risk.

(c) Many errors of judgment are caused by the bank's failure to take expert advice on the content in question, or by the professional judgment of professionals. The process of loan review, not only to find out the facts, but also should be on the relevant facts of the legal and financial aspects of professional judgment. In practice, most of the loan review process is not very rigorous and in place.

Two, the legal content of the pre-credit investigation

(a) on the borrower's legal establishment and continued effective existence of the review of the borrower's legal status. If it is a business, it should review whether the borrower is legally established, with or without the qualifications and qualifications to engage in related business, check the business license, qualification certificates, should pay attention to whether the relevant licenses are subject to annual inspection or relevant validation.

(2) on the borrower's creditworthiness examine whether the borrower's registered capital is compatible with the borrowing; review whether there is an obvious situation of evasion of registered capital; previous lending and repayment; and the quality of the borrower's products, environmental protection, tax payment, etc. There is no illegal situation that may affect the repayment of the loan.

(3) On the borrower's borrowing conditions whether the borrower has opened a basic account and a general deposit account in accordance with relevant laws and regulations; whether the borrower's (if a company) its foreign investment exceeds 50% of its net assets; whether the borrower's debt ratio is in line with the lender's requirements;

(4) On the guarantee For the guarantee guarantee, the qualification, credibility of the guarantor, ability to fulfill the contract is investigated.

How to check credit for commercial and industrial loans?

One, telephone banking inquiries

Dial ICBC telephone banking 95588 → personal customers please press 1 → enter the customer number or passbook number or → personal loan information inquiry please press 7 → personal loan information check.

Second, the bank branch inquiries

To the local People's Bank of China credit management office with my ID card to query and print their own personal credit report.

Three, consult the bank loan examiners

Able to query the current year's repayment plan, historical repayment records and personal information adjustment. Different banks have different regulations, and the actual query steps can be consulted by calling the customer service phone number of the bank that handles the query.

A loan definition

Loans are a form of credit activity in which a bank or other financial institution lends money at a certain interest rate and on condition that it has to be returned, a simple common understanding of which is that it needs to be borrowed at an interest rate.

Banks through the loan will be concentrated in the form of money and monetary funds to put out, can meet the expansion of social reproduction on the need for additional funds to promote economic development; at the same time, the bank can also be obtained from the loan interest income, increase the bank's own accumulation.

Three principles

"Three principles" refers to the security, liquidity, efficiency, which is the fundamental principle of commercial bank loans. Article 4 of the Law of the People's Republic of China on Commercial Banks stipulates: "Commercial banks shall operate on the principles of safety, liquidity and efficiency, and shall carry out independent operation, bear their own risks, be responsible for their own profits and losses, and exercise self-restraint."

1. Loan security is the primary issue facing commercial banks.

2. Liquidity refers to the ability to recover loans by a predetermined period of time, or the ability to liquidate them quickly in a loss-free state, to meet the needs of customers to withdraw their deposits at any time.

3. Effectiveness, on the other hand, is the basis for a bank's continued operation.

For example, if a long-term loan is issued at a higher interest rate than a short-term loan, the efficiency will be good, but if the loan period is long, the risk will increase, the security will be reduced, and the liquidity will be weaker. Therefore, the "three sexes" should be in harmony with each other, so that the loan can not be a problem.

Three, loan interest

Interest is the borrower to obtain the right to use the funds to the lender to pay the remuneration, it is the capital (i.e., lending the principal) in a certain period of time the price of using. Interest on a loan can be calculated in detail by using a loan interest calculator.

In civil law, interest is the legal fruits of the principal.

How to check online credit record for a loan in four steps

How to check credit record online? Because of the handling of the loan when the lending institutions will query the lender's credit record, many people want to check their own personal credit record in advance. So how do you check online credit records when you are applying for a loan? Today to give you a word.

One, what is the credit record

The so-called credit record is a personal credit system for each person to establish a "credit file", this credit file records the basic personal information and credit information, the basic personal information, including personal identity, spousal identity, residence information, occupational information; credit information including bank credit credit credit information summary, the credit record, the credit record, the credit record, the credit record, the credit record, the credit record, the credit record, the credit record, the credit record, the credit record, the credit record is the credit record. The basic personal information includes personal identity, spousal identity, residence information, occupation information, etc.; the credit information includes the summary of bank credit information, the summary of credit card information, the summary of credit card information, the summary of loan information, and the summary of information on guaranteeing loans for others. Banks, financial regulators, the judiciary, and other government agencies and individuals can check their credit records online.

Two, do loans online credit record how to check

1, registered personal information: first need to register in the credit platform. Open the People's Bank of China credit center personal credit information service platform of the official website Click user registration.

2, fill in the personal real name and identity card number and other information, then enter the next step to set the question to verify the content, and finally submit it.

3, after successful registration, and then log on to the People's Bank of China credit center personal credit information service platform's official website, click on the left side of the personal credit report query, you can carry out online credit inquiry.

4, get the query results: generally in the next day will receive a short message sent by the system, this time again log on to the website of the personal credit platform, and then click on the left side of the credit report query, enter the confirmation code in the cell phone text message, and then click on the submit will show the results of the query of the personal credit.

Three, the impact of too many credit inquiry records

Many partners do not know that too many personal credit record inquiries will also have a negative impact. Do loans online credit record inquiry too many times, in the future loan will be considered by the lending institutions credit qualification is bad, reduce credit rating. Because, too many personal credit record inquiries means that individuals apply for loans a lot of times, the lending institutions will think that the borrower lacks the ability to repay.

Reminder: personal inquiry credit record will not be recorded, you can rest assured that the inquiry of their own credit records, do not have to worry about their own inquiries and increase the number of times the credit was inquired.

Internet loans check credit, how to check?

There are quite a few private query systems, and we should pay more attention when choosing, and choose those regular large organizations. The reason for this is that small organizations are generally less reliable, and in case personal information is leaked, it can cause security risks; and the data from small organizations are generally not comprehensive.

And if you want to query the central bank credit, then bring your ID card directly to the local People's Bank of China Credit Center to query on the line; you can also go to the local commercial banks authorized by the People's Bank of China to query; or directly on the computer to log on to the People's Bank of China Credit Center's official website to query can also be.

To query the big data of online loans, usually in the blue ice data, bei tip speed check and other such private query system, third-party credit platform, the People's Bank of China generally can not check the big data of online loans.

Central bank credit and online loan big data is basically not related. If you are applying for online loans, the main focus is on the big data and the platform's wind control; while applying for bank loans and loans from lending institutions and platforms that have access to the central bank's credit bureau system, the main focus is on the borrower's central bank credit report.

Expanded information:

How long is the overdue time of the online loan to give up the collection will come to the door?

After the online loan is overdue, about how long the lending platform to give up collection, in fact, there is no specific time regulation, mainly depends on whether the lending platform is determined to recover the money. Like some platforms that really can not recover the money, the amount owed is not very high, may be half a year later or one or two years later will give up; of course, there are some will have been to call, and will even be outsourced to the specialized call company to call the money.

As for whether they will go to the door to call for money, the provisions of the loan platform vary. However, if the lending platform has found a specialized collection company to collect the money, then there is a high probability that it will come to the door.

It is recommended that customers find a way to pay off their debts as soon as possible, and when they do, the lending platform will naturally stop collecting. If it's because the loan platform is charging a high interest rate in violation of the law that you can't afford to pay back, then the customer can in turn collect evidence to the local CBRC or the China Internet Finance Association to report the platform. If in the process of collection by violence, threatened and intimidated, customers can also directly police processing.

Intermediary check credit how to check

1, loan intermediary company stationed in the local area, to investigate the query; 2, for bank loans, the issuance of relevant documents; 3, loan intermediary company of the personal credit detailed investigation, the final approval of the lending; 4, the person read the borrower agreement, credit report, post-loan query. Loan intermediary credit inquiry is required to borrowers to bear some responsibility, in the borrower is unable to repay the loan, the lending institution will need the borrower to pay a certain interest to the lending institution of the service fee, which this fee is calculated by the day.

To get a loan first check credit: three ways to check credit

Daily life residents applying for home loans, car loans, credit cards, etc. need personal credit. So how do you check your personal credit report? There are generally three ways to inquire about credit records in Shanghai.

Daily life residents applying for home loans, car loans, credit cards and so on need personal credit. Then how to query the personal inquiry report? There are generally three ways to inquire about credit records in Shanghai.

1, counter query

The first method is to go to the local People's Bank of China query. You need to bring a valid ID (ID card, military officer's card, soldier's card, passport, Hong Kong and Macao residents to and from the Mainland, Taiwan compatriots to and from the Mainland, foreigner's residence permit, etc.), and fill out the Personal Credit Report in person inquiry application form.

2, online query

Log in the People's Bank of China Credit Center website () for query.

Steps: Registration - Identity verification - Submission of query application - Obtaining query results (24 hours after submitting the query application, the user logs on to the platform and clicks on "Information Service"-"Get Query Results", enter the identity verification code sent by the platform to the user's cell phone, and view the selected credit information products).

3. Self-service inquiries

Steps: Identify ID card - Enter phone number - Take a picture - Print report

In using the self-service Query machine should pay attention to the following points:

(1) Self-service query personal credit report business, limited to the person for!

(2) The self-service inquiry machine can only recognize the second generation ID card, using other valid ID cards can go to the counter inquiry.

(3) When taking a photo, please take half a step back, look directly at the camera above the inquiry machine, and keep your full headshot in the viewfinder frame.

(4) After successful inquiry, please remove your ID and check the number of report pages.

(5) The credit is a simple version, if you find that your credit has a serious overdue, you also need to go to the People's Bank of China to check the detailed records!

(6) If you check your personal credit report more than 2 times a year, please pay the fee at the counter for the business.

Shanghai inquiry address list

People's Bank of China Credit Center Shanghai Branch inquiry point (counter query / self-service query machine)

Address: Shanghai Huangpu District, South Suzhou Road, No. 333, Hualong Building, 3 Floor

Tel: 021-23136373

Shanghai Pilot Free Trade Zone inquiry point (counter query) )

Address: Counter 35, 1F, No. 9, Keelung Road, Pudong New Area, Shanghai

Tel: 021-58695031

Shanghai Farmers and Merchants Bank, Pudong Branch, Business Department (Self-service Enquiry Machine)

Address: No. 1500, Century Avenue, Pudong New Area, Shanghai

Tel: 021-962999

Shanghai Farmers and Merchants Bank, Songdong Branch, Shanghai, China. p>Shanghai Farmers and Merchants Bank Songhong Road Sub-branch (Self-service Query Machine)

Address: 1st Floor, No. 152, Songhong Road, Changning District, Shanghai

Tel: 021-962999

Bank of China Shanghai Xuhui Sub-branch (Self-service Query Machine)

Address: 2nd Floor, No. 355, Hongqiao Road, Xuhui District, Shanghai

Tel: 021-34601306

Tel. 34601306

China Construction Bank, Shanghai Xuhui Sub-branch (Self-service Inquiry Machine)

Address: No. 920, Hengshan Road, Xuhui District, Shanghai

Tel: 021-95533

Shanghai Pudong Development Bank, Changning Sub-branch (Self-service Inquiry Machine)

Address: No. 855, Changning Road, Changning District, Shanghai

Bank of Beijing Shanghai Yangpu Sub-branch (self-service inquiry machine)

Address: No. 1816 Huangxing Road, Yangpu District, Shanghai

Tel: 021-55785030

The bank's business hours are generally as follows: weekdays, 9:00 a.m. to 11:30 a.m., 13:30 p.m. to 16:30 p.m., national holidays and festivals. :30, except for national holidays. If you need it, you can call first or refer to the branch opening hours.

Personal credit reports are used for a wide range of purposes, such as commercial bank loans. Take the initiative to understand your credit report, and apply to the credit center or the bank where the business takes place to correct any information that may be incorrect in order to avoid adverse effects.

About the loan company how to check credit and loan company how to check the credit report of the introduction to this end, I do not know you find the information you need from it?