The loan card is a qualification certificate issued by the People's Bank of China to borrowers to apply for credit business with financial institutions. The People's Bank of China is unified as the credit card code, and the credit card code is unique. The loan card is held by the borrower, valid for 1 year, and is generally used in People's Republic of China (PRC).
(1) The loan card is a magnetic card issued to the borrower by the People's Bank of China where it is registered, and it is the qualification certificate for the borrower to apply for credit business from financial institutions. The loan card records the code and password of the loan card, which is the voucher for commercial banks to log in to the "Bank Credit Registration and Consultation System" to inquire about the credit information of customers. Getting a loan card does not mean that the customer can get a bank loan immediately. The key is to see whether the credit status of the loan applicant meets the requirements of the guarantee institution and the handling bank.
(2) Cardholder: an enterprise (unit) legal person and individual operator with a business license issued by the administrative department for industry and commerce; It is not necessary to apply for a loan card in the name of an individual, except that the individual is an enterprise (unit) legal person or individual operator to provide guarantee for the loan.
Second, what is the use of a loan card?
The main function of the loan card is that the bank can inquire about the credit record of your enterprise in the bank. If your enterprise has no loan and guarantee business in the bank, you can cancel it.
But if you have made a guarantee for others now, I suggest you keep it until your friend pays off the loan.
3. What is the function of the loan card?
The loan card is issued by the People's Bank of China to the borrower, which is used to unify the loan card code to the financial institution China People's Bank and is held by the borrower. The validity period is 1 year.
(1) The loan card is the magnetic card of China people, and it is the qualification certificate for borrowers to apply for credit business from financial institutions. The loan card records the code and password of the loan card for commercial banks to log in to the "Bank Credit Registration Consulting System" for inquiry. Obtaining a loan card does not mean whether the credit status of the customer applicant meets the requirements of the guarantee institution and the handling bank.
(2) Cardholder: an enterprise (unit) legal person and individual operator with a business license issued by the administrative department for industry and commerce; It is not necessary to apply for a loan card in the name of an individual, except that the individual is an enterprise (unit) legal person or individual operator to provide guarantee for the loan.