1. How to look at bank scores

Each bank, including current banks, online loans, etc., has its own customer credit scoring system. The higher the score, the better the customer qualifications. The higher the credit limit that can be granted. We can think of this scoring system as big data.

Applying for a credit card and loan are mainly based on credit information and big data. If you were to rate your own big data, what would be yours?

Part One: Basic Identity Information

Part Two: Work Information

Part Three: Asset Information

Part Four: Debt ratio

Debt ratio calculation: 10% of the total amount of personal credit card used, the credit report shows the total monthly loan payment, and then divide the personal average monthly income.

Personal average monthly income: punch-in salary is calculated based on the average of the past six months. Non-punch wages are calculated based on the average of six months of personal bank cash flow.

These four parts are basic scores, as well as credit scores and cooperative bank scores (our bank’s credit cards, loans, deposits, and savings cards). Additional assets: stocks, bonds, etc.

The higher the score, the better your qualifications. Some people apply for credit card approval in seconds, just because the evaluation system gives you a high score. Some people are slow to apply for credit cards, and some still have to receive follow-up calls from letter reviewers. This is because the scoring system has marked you and requires manual intervention. Bank scoring system, applicable to all bank credits and credit cards.

2. How can you see your credit score at the bank?

Credit scores are confidential to banks, and each bank is different.

Customers can only know if they are qualified. If you fail, you won’t be able to see your score.

3. How loan banks are rated

Banks have their own scoring system, of which big data and credit reporting are the main ones:

1. Data:

1. Personal situation, including age, marital status, education level, and place of residence.

2-digit nature, working hours, position, and income level.

3. Property status, fixed assets such as houses, cars, etc.

4. Other situations, such as bad records and illegal activities.

2. Credit report:

1. The credit report has been checked frequently in the past three months, indicating that it is serious. You can know whether the loan has passed or failed.

2. If the credit report is overdue, especially when the loan is inaccessible, unless the credit report has multiple overdue records, the probability of loan rejection is high.

3. Liabilities are divided into credit loans and mortgage loans. Those with mortgage loans are not included in liabilities. Credit unsecured loans are included in liabilities according to the bank's liability ratio. More than 70% are considered to have excessive debt.

4. The industry involved involves prohibited industries, such as securities and real estate industries.

5. Insufficient liquidity. The bank requires the last year's liquidity. If the liquidity is not enough to cover the amount, it is deemed that the ability to repay the loan is low.

6. If the information provided is false, it may be blacklisted by the bank and you will not be able to apply for a loan at that bank.

Based on the approval experience disclosed by bankers, some of the small rules are summarized as follows:

1. Women have higher scores than men (full

2 , Old people have higher scores than young people, and those who are strong

3. Those who are married and have children have higher scores than others

4. The higher the education level, the higher the score

5. , local scores are higher than those from other places.

6. Those with longer driving experience have higher scores.

7. Self-assessment).

8. The more stable the unit and job, the higher the income and the higher the score.

9. No matter how high the position is, it can be at most 9 points higher than those without a position (the difference between being an official and not being an official is only 9 points).

10. Those who own houses have higher scores than those who have savings, and those who have savings have higher scores than those who own cars.