Personal credit authorization refers to the written document that you agree and authorize the bank to inquire about your personal credit information from the credit reporting agency. Power of Attorney for Personal Credit Information is a necessary document for a loan bank to inquire about your personal credit information from a credit information agency. Without the power of attorney, the credit bureau may not provide your personal information, so the loan user must sign it. Article 18 of the Regulations on the Administration of Credit Information Industry: Anyone who inquires personal information from a credit information agency shall obtain the written consent of the information subject and agree to use it. However, unless the law stipulates that it can be inquired without consent. Credit institutions shall not provide personal information in violation of the provisions of the preceding paragraph. Article 19 Where a credit reporting agency, information provider or information user obtains the consent of the subject of personal information by using the terms of the standard contract, it shall make a prompt in the contract that is enough to attract the attention of the subject of information and make a clear explanation according to the requirements of the subject of information. Any natural person or enterprise in China must be authorized by the citizen himself to inquire about the personal credit status of the citizen, otherwise the credit reporting agency cannot provide it, except in special circumstances. Our country raises the loan interest rate and property insurance rate for serious untrustworthy subjects, or restricts the provision of loans, sponsorship, underwriting, insurance and other services. This is mainly reflected in the strict examination and approval of licensed projects, strict control of the issuance of production licenses, and restrictions on the examination and approval of new projects.