Text: Generally, inquiries will be made at the central bank. Because commercial banks are connected to the credit reporting center of the central bank (that is, the People's Bank of China), credit data is generally transmitted in real time. There are also special circumstances. Some banking systems are relatively backward and data transmission lags behind, but the delay will not be long. .

In another situation, some small banks or newly opened banks have not yet connected to the central bank’s credit reporting system, and their credit records will not be reported to the central bank’s credit reporting system; as for a large number of private credit institutions such as Most of XX loans and the like are not connected to the Internet, which means that their credit records cannot be checked by banks; some credit institutions are larger and stronger, and can also apply for Internet access; some small institutions cooperate with banks. When I took a loan from him, I checked the credit report and found that it was the loan inquiry record or loan record of a certain bank. It is not surprising, because when applying for a loan or applying online, there is an authorization in a corner that is not noticed, which is the applicant's authorization. A certain institution can check an individual's credit report. If you do not authorize the check, you will be punished by the People's Bank of China, and the penalty will be severe.

When applying for a loan, the creditor needs to check the applicant's personal credit report during review. This credit report does not record the credit data of a certain bank. In theory, the applicant has credit data from all commercial banks and The credit records of credit institutions will also include credit records of water and electricity, industry and commerce, taxation, etc. in the future. If there is an existing loan record in the credit report, whether it is overdue or not, it will have a certain impact on your application for a mortgage or other loans. If it is not overdue, the impact will not be great unless the loan amount you apply for is large.

In February 2018, the "License Information Disclosure Form for Institutions Establishing and Operating Personal Credit Information Business" released by the central bank's official website showed that it had officially passed Baihang Credit Information Co., Ltd., and since then all kinds of private credit activities have been will be recorded uniformly.

: Baihang Credit Information is a personal information credit investigation company led by the China Internet Finance Association and jointly established with eight market institutions including Zhima Credit, Tencent Credit Information, Qianhai Credit Information, and Kaola Credit Information. letter agency. These eight institutions can be said to be the overlords of the credit reporting industry. By integrating all private credit reporting information, the credit problems of 1.4 billion Chinese people can be clearly understood at a glance.

In fact, the emergence of these private credit rating agencies is of great use. In the past, except for bank credit reports, which were shared among financial institutions, other private institutions were in a state of information islands.

However, the establishment of Baihang Credit Information means the formation of a melting pot of credit data from major private institutions. Different institutions can check each other's credit records of users. If a user is overdue, other platforms will no longer lend to the user.

If Baihang Credit Investigation and the Central Bank Credit Investigation join forces in the future, banks and other financial institutions can also view borrowers' credit data in Baihang Credit Investigation, which will inevitably be used as a basis for banks to assess risk in lending.