Current overdue period: refers to the number of times that the contract amount or the minimum repayment amount has not been repaid at present;
Current overdue amount: refers to the total amount that has not been repaid according to the contract amount or the minimum repayment amount;
Number of consecutive months overdue: refers to the number of consecutive months before an overdue behavior occurs;
Overdue amount: refers to the amount that should not be paid for an overdue act;
Overdue month: refers to the month when the loan or credit card account is overdue.
Credit investigation refers to collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
Enterprise credit investigation is mainly an institution that collects enterprise credit information and produces enterprise credit products; Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products.
In some countries, these two types of businesses are completed by one institution, and in some countries, they are completed by two or more institutions respectively, or in a country, there are both institutions engaged in personal credit investigation and institutions engaged in both personal and corporate credit investigation business types, which are generally not restricted and are decided by the credit investigation institutions independently according to the actual situation.
In the United States, credit reporting agencies have three main business models:
Capital market credit evaluation institutions, whose evaluation targets are stocks, bonds and large-scale infrastructure projects;
Commercial market evaluation agencies, also known as enterprise credit service companies, are all kinds of large, medium and small enterprises;
Personal consumer market assessment agencies, whose credit target is individual consumers.
The main service object of credit investigation is financial institutions, which provides support for credit decision-making; Commercial credit information mainly serves wholesalers or retailers and provides support for credit sales decision-making; The main service object of employment credit information is the employer, which provides support for the employment decision of the employer; In addition, there are other credit activities, such as market research, creditor's rights processing, movable property and real estate evaluation.
Credit information services for different customers are completed by one institution or in independent enterprises around the upstream and downstream of credit information institutions, and are equipped with databases.