As a matter of fact, the number of credit inquiries for real estate mortgage loans of commercial banks requires: no more than two times a month, no more than four times in three months and no more than six times a year. The requirements of real estate mortgage business of lending institutions for the number of hard credit inquiries: no more than three times a month, no more than six times in three months, and no more than 10 times a year. The requirements for the number of hard credit inquiries in the credit loan business of commercial banks: no more than 4 times a month, no more than 8 times in three months and no more than 12 times in six months, which is relatively loose.

1. Credit investigation refers to collecting, sorting, storing and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. Among them, "credit has a sign" means that the authenticity of its words can be verified, or credit can be collected and verified. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. Provide a platform for professional credit reporting agencies to enjoy credit reporting. On May 20 19, the new version of personal credit information was officially launched, and the length and refinement of credit information will be further improved. Credit information records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are also commonly known as "credit records". Until 20 12, there are no laws and regulations in China's current legal system to provide a direct basis for credit investigation.

2. The credit information system of China People's Bank includes enterprise credit information basic database and personal credit information basic database. Among them, the basic database of enterprise credit information started from 1997, and the nationwide online query was realized in July 2006. By the end of 20 14, there were more than100000 enterprises and other organizations in the database, including more than 6 million enterprises with credit records. The basic database of personal credit information was first built in 1999. At the end of August, 2005, the network operation with all commercial banks and some eligible rural credit cooperatives was completed. On June 5438+ 10, 2006, the basic database of personal credit information was officially put into operation. As of 20 15, the database * * * recorded 870 million natural persons, of which 370 million had credit records. The main users of the central bank's credit information system are financial institutions, which are connected with the headquarters of financial institutions such as commercial banks through special lines, and extend the terminal to the commercial banking system of the credit personnel business counter of the branches of commercial banks through the intranet.