Legal analysis: Personal credit certificate business refers to the business that China Industrial and Commercial Bank issues credit certificates in Chinese and English for customers, which truthfully proves the amount of its financial assets in China Industrial and Commercial Bank and its business dealings with China Industrial and Commercial Bank (including deposits, purchase of wealth management products, funds, insurance, account funds/physical funds, loans, credit cards, etc.). Credit reference certificate is a powerful and objective proof of personal financial strength, credit status and financial transactions.

Legal Basis: "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Dishonesty" Article 1 If the executed person fails to fulfill the obligations specified in the effective legal documents and has one of the following circumstances, the people's court shall include him in the list of executed persons with dishonesty and impose credit punishment on him according to law: (1) List of executed persons with dishonesty;

1, has the ability to perform but refuses to perform the obligations specified in the effective legal documents;

2. Obstructing or resisting execution by forging evidence, violence or threats;

3. Evading execution by means of false litigation, false arbitration or concealing or transferring property;

4. Violation of the property reporting system;

5. Violation of consumption restriction orders;

6. Refusing to perform the settlement agreement without justifiable reasons.