Making credit inquiries to others or unauthorized individuals and institutions: This situation is very dangerous. Without my authorization, the personal credit report is illegally inquired, which means that your personal information may be stolen, and criminals may apply for loans in your name. Any loans overdue will be recorded in the credit report, with serious consequences.
Second, is it risky to lend loans to others through credit reporting?
It is risky to give personal credit reports to others. To understand the personal credit inquiry report, you must have your own authorization to view it. If I report my personal credit report to others privately, it will easily lead to the disclosure of private information and even be used by criminals to apply for loans. All overdue loan records may directly affect my personal credit report. According to the background of China Credit Information Industry Development Report (2003-20 13), this paper introduces the development of credit information industry in China, which has a history of more than 80 years since the first credit information agency was born in 1932. But its real development began with reform and opening up. Since the reform and opening up, with the development and expansion of domestic credit transactions, the deepening of financial system reform, the increase of foreign economic exchanges and the deepening of social credit system construction, China's credit information industry has developed rapidly. If you borrow money from a bank, then the bank needs to know who you are; Need to judge whether you can repay on time; Have you ever borrowed money before? Is there any record of not paying back the money? Before the appearance of credit investigation, you should provide a series of proof materials to the bank: proof of unit salary, etc. The loan officer of the bank should also call your company. It will be two weeks or more before the bank tells you whether to lend you money. It's really that the bank is tired and you are bored. Borrowing money is really troublesome. The appearance of credit investigation makes it easier for banks to know your credit status: they hand over their credit information about you to a special institution for summary, and this special institution will establish a credit file (that is, a personal credit report) for you and then provide it to banks for use. This kind of activity that banks enjoy credit investigation through third-party institutions is credit investigation. In order to improve efficiency, save time and do things for you quickly. With the intervention of credit reporting agencies and credit reporting, when you borrow from the bank again, the bank loan officer can check your credit reporting with your consent, and then spend some time focusing on verifying some problems, and will soon tell you whether the bank will provide you with loans. Banks save trouble, you worry. In China, the Credit Information Center of the People's Bank of China (hereinafter referred to as the Credit Information Center) is a specialized institution that establishes your "credit file" and provides personal credit information for commercial banks. Enterprise credit investigation is mainly an institution that collects enterprise credit information and produces enterprise credit products; Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products. In some countries, these two types of businesses are completed by one institution, and in some countries, they are completed by two or more institutions respectively, or in a country, there are both institutions engaged in personal credit investigation and institutions engaged in both personal and corporate credit investigation business types, which are generally not restricted and are decided by the credit investigation institutions independently according to the actual situation.
Third, what are the consequences of lending credit information to others?
Inquire about credit from others or unauthorized individuals and institutions: this situation is very dangerous. Without my authorization, personal credit information may be stolen and criminals may impersonate you. Any loans overdue will be recorded in the credit report, with serious consequences.
Fourth, the consequences of lending credit information to others.
Only businesses handled by banks or credit institutions can be uploaded to the credit information system of the People's Bank of China.