1. According to Article 12 of the Interim Measures for the Administration of Basic Database of Personal Credit Information, commercial banks can query personal credit reports from the personal credit database and handle the following businesses:

(1) Examining personal loan applications;

(2) Examining applications for personal credit cards and quasi-credit cards;

(3) Examining individuals as guarantors;

(4) Managing the post-loan risks of personal credit;

(five) to accept the loan application of a legal person or other organization or as a guarantor, it is necessary to inquire about the credit status of its legal representative and investor.

2. According to Article 13 of the Interim Measures for the Administration of Basic Database of Personal Credit Information: In addition to Article 12 (4) of these Measures, a commercial bank shall obtain the written authorization of the inquired person when inquiring about personal credit reports. Written authorization can be obtained by adding corresponding clauses in the application for sub-loan, credit card, quasi-credit card and guarantee.

3. The investment services released by the micro-loan network will undergo strict internal audit by the micro-loan network and professional institutions. All investment projects will be guaranteed by professional financial institutions, and the loan subject will provide mortgage, pledge and other guarantee measures to ensure the safety of investors' principal and income. Funds can only be transferred to the bank account bound by authentication, and users can query the details of the fund account in real time.

Extended data

The acts included in the personal credit information system are:

1. The credit card is overdue for three consecutive times (or six times in two years).

2. The monthly payment is overdue or overdue for 2 to 3 months.

3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.

4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.

5. If you don't use the "Sleep Credit Card" after activation, there will be an annual fee. If you don't pay, you will have a bad credit record.

6. Credit card overdrafts and mortgage loans are not repaid on time.

7. When providing a guarantee for a third party, the third party fails to repay the loan on time.

According to the business model, it can be divided into two categories: corporate credit reporting and personal credit reporting.

1. Enterprise credit information is mainly an institution that collects enterprise credit information and produces enterprise credit products;

2. Personal credit investigation is mainly an institution that collects personal credit information and produces personal credit products.

3. There are three main business models for credit reporting agencies in China:

(1) Capital market credit evaluation agency, whose evaluation targets are stocks, bonds and large-scale infrastructure projects;

(2) Commercial market evaluation agencies, also known as enterprise credit service companies, are oriented to all kinds of large, medium and small enterprises;

(3) Individual consumer market assessment agencies, whose credit reference object is individual consumers.

Baidu Encyclopedia-Interim Measures for the Administration of Basic Database of Personal Credit Information

Phoenix. Banks can't check personal credit. All inquiry activities are recorded.

Baidu encyclopedia-micro-loan network

Baidu Encyclopedia-Credit Report