Whether you can get a loan depends on the commercial bank applying for the loan, not the People's Bank of China. The main reasons are as follows:

1. Of course, the bank you apply for a loan has the final say on whether you can get a loan. The Credit Reference Center of the People's Bank of China only provides personal credit reports for commercial banks to refer to when approving your loan application. As we all know, if you want to get a loan from a bank, you must ensure that your credit report is good, otherwise the bank will reject your loan. Speaking of credit reporting, I believe many people will first think of the Credit Reporting Center of the People's Bank of China. But this is also an illusion that everyone has. There is no doubt that credit information is more important. However, if you want to get a loan from a bank, it is not decided by the Credit Information Center of the People's Bank of China, but depends on the loan approval results of commercial banks. .

2. The evaluation of personal credit by commercial banks is mainly affected by the relevant data, analytical capabilities and risk management requirements held by the bank, so it is difficult to implement unified standards. For personal credit reports issued by the Credit Reference Center of the People's Bank of China, different users may have different understandings of the same credit report for different purposes. Secondly, everyone's credit status is constantly evolving and changing, and it is difficult for any single department's credit evaluation to fully reflect the future credit status. Moreover, with the continuous innovation of commercial banking business in the future, new credit varieties will continue to be produced. Different credit varieties have different risk and return requirements, which makes the evaluation of personal credit short-lived and unstable, making it more difficult for commercial banks to Develop unified standards for examining personal credit.

Many aspects of life are closely related to everyone’s information collection. For example, if you borrow money from some borrowing platforms such as Alipay and fail to repay it or repay it overdue, these behaviors will also be recorded in the credit record file. This kind of result is quite serious. If you want to go to a bank for a loan, the bank job As soon as the personnel inquire about your personal information, your credit file will be immediately displayed in front of them. Usually, in this case, the bank will not approve your loan. Therefore, everyone must pay attention to all aspects of their lives and their own behavior. Many things are bound to their personal information. Once there is any illegal behavior, it will affect their credit report.