Generally speaking, black households refer to black households in banks. Some people are blacklisted because of bank irregularities and no longer enjoy banking services. There are many reasons for black accounts, such as serious overdue repayment of credit cards, non-repayment of loans, illegal cashing of credit cards, criminal records and so on. , will be blacklisted.
Once it becomes a black account, it will not be able to handle all banking business. Let alone credit cards and loans. If the circumstances are serious, they will be notified by the police to become Lao Lai. Credit information is becoming more and more important in our life. Being a black bank account usually brings a lot of inconvenience, and buying a house and even children's schooling will be affected.
A white household is a person who has never done credit card or loan business in a bank and has no record. The bank credit record is blank. It is easy for white households to apply for a credit card, but the loan will be hindered to some extent. Because there is no credit record, it is impossible to evaluate the past credit situation, and the approval will be more difficult, or the estimated amount will not be reached.
Extended data:
Citizens who borrow money from banks and fail to repay it, or fail to repay it in time, or even after a few days, will be blacklisted. Next time, it is not only difficult to borrow money owed to banks, but also difficult to borrow money from other banks. Even this bad record will affect his job search and house purchase.
The central bank's credit information system has become the largest basic database of credit information with the largest number of users in the world, and basically established a credit file for every domestic enterprise and individual with credit activities. At present, 860 million individuals and nearly 20 million enterprises have been collected.
In addition to bank credit information, the credit information system also includes public information such as social security, provident fund, environmental protection, tax arrears, civil judgments and enforcement, and its query ports are all over the financial institutions outlets all over the country. The credit report issued by the Credit Information Center has become the "economic identity card" of domestic enterprises and individuals.
People's Daily Online-"Lao Lai" and environmental protection "black households" blacklisted banks.
People's Daily Online-Beiqing Daily: Banks should also be blacklisted for dishonesty.