Personal basic information refers to the identity information, occupation and residence address of a natural person. Personal credit transaction information refers to the transaction records of natural persons in personal loans, credit cards, quasi-credit cards, guarantees and other credit activities provided by commercial banks. Other information reflecting personal credit status refers to relevant information reflecting personal credit status except credit transaction information.

The guarantor shall be responsible for the secured loan. When the guarantor fails to repay the debt at the expiration of the debt performance period agreed in the loan master contract, the guarantor must bear the guarantee responsibility within the scope of his guarantee. Therefore, the information collected by the basic database of personal credit information as "others' loan guarantee" can reflect the credit status of the guarantor more comprehensively.

legal ground

Criminal law of the people's Republic of China

Article 193 The crime of loan fraud involves defrauding banks or other financial institutions of loans for the purpose of illegal possession. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) fabricating false reasons such as introducing funds and projects;

(two) the use of false economic contracts;

(3) using false documents;

(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;

(5) obtaining loans by other means. Article 194 Whoever commits financial bill fraud under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(1) knowingly using forged or altered bills of exchange, promissory notes or checks;

(2) knowingly using bills of exchange, promissory notes or checks that are invalid;

(3) fraudulently using other people's bills of exchange, promissory notes or checks.

(four) issuing a bad check or a check that is inconsistent with its reserved seal to defraud property;

(5) The drawer of a bill of exchange or a promissory note issues a bill of exchange or a promissory note without capital guarantee, or makes false records when issuing a bill of exchange or a promissory note to defraud property.

Whoever commits the crime of financial voucher fraud by using forged or altered bank settlement vouchers such as entrusted collection vouchers, remittance vouchers and bank deposit vouchers shall be punished in accordance with the provisions of the preceding paragraph.