Credit information shows that loan approval means that the lending institution inquired about your personal credit information in the name of "loan approval". The credit report can show our credit level and liabilities, so the lending institution will inquire about the borrower's personal credit when accepting the loan application, leaving the inquiry record of "loan approval" and also indicating the name of the inquiry institution.
In the early days of the establishment of China's credit system, many people paid insufficient attention to personal credit, so credit card or loans overdue behavior appeared. Because banks and work units will refer to these credit records, long-term negative information has a serious impact on their lives and work. Because the relevant departments have not clearly defined the restrictions on negative records, in the old version of the central bank's personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years. In the past, some people complained that they couldn't understand the personal credit report, because it was full of tables and numerical codes, and what each number meant had to refer to the notes to understand it. The new version of the report has changed the presentation mode based on tables and used more words to describe it. At a glance, the public will know which cards are overdue and which repayments are normal. At the same time, the new report also reserved an exhibition area for information such as asset disposal and guarantor's compensation.
Loan approval is a process in which the person in charge of credit business conducts "finding out the facts, mastering the policies and determining the loans" according to the loan application and pre-loan investigation opinions within the prescribed approval authority. Working capital loans shall be subject to three-level examination and approval system. The leaders in charge are responsible for the decision-making of the loan issuance results. Identify the facts, that is, the approver re-examines the reasons and uses of loans provided by enterprises and loan personnel, and correctly identifies its nature. Grasp the policy, and finally decide whether to lend or not, whether to lend more or not, on the basis of ascertaining the facts and according to the credit policy determined by the state and higher-level banks. Determine the loan mainly to determine the loan amount, repayment period, interest rate and loan method. Some loan principals should also ask loan officers to conduct follow-up investigation and monitoring. Any loan must adhere to the principle of "two signatures" or "three signatures" for loan approval. In other words, each loan must be investigated by the loan officer, and the preliminary examination opinions are put forward, and the loan can only be issued after the approval of the credit section chief. Loans with a large amount or "three signatures" according to regulations shall be signed by the president. No individual may sign a wholesale loan alone.
What if there is no loan credit report but there is loan approval? The solution is here.
The quality of personal credit information will affect our daily life and work. You'd better check your credit information once a year to know your credit situation. People often check the credit report and find that they don't have a loan, but they have a record of loan approval. In this case, we must find out the reason. Let's have a look.
What if there is no loan credit report but there is loan approval?
The loan approval record on the credit information is a hard inquiry record. Under normal circumstances, banks or financial institutions that access the central bank's credit information are eligible to inquire about the lender's credit information only if they are authorized by the lender at the time of loan approval. If the lender does not apply for a loan, but has a loan approval record, there may be three reasons.
1. Although there is no loan, you have authorized the lending institution to check the credit report by clicking on the check limit or checking the limit on the loan platform, but you just don't know it. If this is the case, there is basically no problem as long as you don't frequently click on the inspection quotas of several lending institutions in a short period of time.
2. Lending institutions check the credit report without the consent of the credit object, which is equivalent to infringing on the privacy of the credit object, and will also leave a record of loan approval inquiry. You can find the name of the lending institution in the credit inquiry record, search the contact information, and let it apply to the central bank for credit modification and cancel this inquiry record.
3. If the loan is made under a false name, check the loan information in the credit report to see if there are any new loans in the loan record during this period. If there is a loan, don't worry, just take out the evidence that it is not my loan, file an objection to the central bank's credit information, and ask the lending institution to cancel the loan record.
In short, there is no loan credit report but there is a loan approval record, so we must find out the reasons according to the above three situations, which is easier to solve.
What is the credit report showing that there is loan approval?
Credit information shows that loan approval means that the lending institution inquired about your personal credit information in the name of "loan approval".
The credit report can show our credit level and liabilities, so the lending institution will inquire about the borrower's personal credit when accepting the loan application, leaving the inquiry record of "loan approval" and also indicating the name of the inquiry institution.
Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.
As of 20 15, the database contains 870 million natural persons, of whom 370 million have credit records.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
The Measures for the Administration of Credit Information Business was deliberated and adopted at the 9th executive meeting of the Central Bank on September 30th, 20021,and is hereby promulgated and shall come into force as of June 30th, 2022.
At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.
Credit information
1, personal basic information identifies an individual and reflects his family and occupation;
2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;
3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;
4, the administrative organs, administrative affairs law enforcement organs, judicial organs in the exercise of their functions and powers in the process of public personal credit related record information;
5. Other information related to personal credit.
influencing factor
The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.
Draft an administrative management bill
Article 25 If the information subject thinks that the information collected, saved and provided by the credit reporting agency is wrong or omitted, he has the right to raise an objection to the credit reporting agency or the information provider and ask for correction.
Credit institutions or information providers that have received objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 20 days from the date of receiving the objections, and give a written reply to the dissidents.
What does loan approval mean in the credit report?
The loan approval in personal credit report means that the user has applied for a loan, and the loan needs to be authorized to inquire about the personal credit report, so a credit inquiry record of loan approval will be left in the credit report. The inquiry records of credit information will not affect personal credit information, but too many inquiry records will spoil personal credit information. After the credit information is ruined, the user's application for credit business review will become strict. Therefore, users need to control the number and frequency of applying for loans, and it is not appropriate to apply for loans frequently in a short period of time, which will help restore credit information.
Loan approval is a process in which the person in charge of credit business conducts "finding out the facts, mastering the policies and determining the loans" according to the loan application and pre-loan investigation opinions within the prescribed approval authority. Working capital loans shall be subject to three-level examination and approval system. The leaders in charge are responsible for the decision-making of the loan issuance results.
Identify the facts, that is, the approver re-examines the reasons and uses of loans provided by enterprises and loan personnel, and correctly identifies its nature. Grasp the policy, and finally decide whether to lend or not, whether to lend more or not, on the basis of ascertaining the facts and according to the credit policy determined by the state and higher-level banks. Determine the loan mainly to determine the loan amount, repayment period, interest rate and loan method.
Some loan principals should also ask loan officers to conduct follow-up investigation and monitoring. Any loan must adhere to the principle of "two signatures" or "three signatures" for loan approval. In other words, each loan must be investigated by the loan officer, and the preliminary examination opinions are put forward, and the loan can only be issued after the approval of the credit section chief. Loans with a large amount or "three signatures" according to regulations shall be signed by the president. No individual may sign a wholesale loan alone.
If you are going to apply for a personal loan in a bank, the approval is based on the comprehensive evaluation of the business type, personal solvency, credit status and other factors you apply for, and can only be determined after the approval of the handling outlets. I suggest you provide relevant application materials and contact the personal loan department of local outlets for further verification.
The amount of personal consumption is generally based on the applicant's salary, which is generally between six and fifteen times the individual's pre-tax salary. The nature of the applicant's unit, personal debt and credit status are also important measuring factors. It should be pointed out that the form of wage flow is recognized by all lending institutions, while the way of wage discovery and wage transfer is only recognized by some banks and lending companies. If you want your application to pass quickly, you may wish to use the 360 worth calculator to calculate your own simple situation and estimate the loan amount.
What does it mean that personal credit information has loan approval?
The borrower's credit report shows "loan approval", that is, the borrower applied for a loan in a bank or other financial institution. There are two kinds of loan approval records, one is inquiry and the other is loan application.
Inquired record: refers to the borrower's authorization to financial institutions, so that financial institutions can inquire about their personal credit reports. It can only show that the borrower has indeed applied for a loan credit line, and whether it has specifically applied for a loan is not necessarily true.
Loan application: The borrower not only applied for a credit line, but also applied for a loan, and should also have corresponding repayment records.
The inquiry times of credit report are generally divided into loan approval, credit card approval, pre-insurance review, guarantor qualification review and post-loan management. Loan approval, credit card approval, etc. It's all ordinary credit records. It does not have much impact on the borrower's credit application.
What does it mean that there is loan approval in the credit report?
According to the credit report, loan approval means that after a user applies for a loan, the lending institution inquires about the user's credit, and a query record of loan approval will be left in the credit. There should not be too many loan approval records, which will lead to the waste of users' credit information. After the credit information is spent, it is difficult for the subsequent credit information application business to pass the audit.
Therefore, when handling credit business, users must pay attention to the interval time, and do not handle credit business frequently in a short period of time, so that credit information can be restored within a certain period of time.
1. Personal credit report consists of the name and content of the credit report. The contents of the credit report include the header of the credit report, the theme of the credit report and the description of the credit report.
2. There are records left by banks or loan companies when they apply for loans. Personal credit report is a document that comprehensively records personal credit activities and reflects personal credit status, and it is the basic product of personal credit information basic database. In order to make the structure clear, the content of the credit report is divided into multiple parts according to different information categories, each part is a segment, and each segment is further divided into multiple sub-segments.
People's Credit Information System is an independent third-party credit information agency founded by People's Credit Evaluation Co., Ltd. It is a platform for collecting, sorting, preserving and processing credit information of enterprises, institutions, individuals and their organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and conduct credit management activities.
Personal credit loan application process
1. First, the borrower needs to submit a series of materials to the bank except the ID card.
(1) loan application approval form;
(2) proof of residential address;
(3) proof of occupation and income; And other information required by the bank.
2. Secondly, after the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract.
Finally, the bank issues loans to borrowers through transfer.
To apply for a personal credit loan, whether it is a bank loan or a financial institution loan, the applicant must have the repayment ability. In other words, those who claim that they can lend you money unconditionally must not be trusted. As the saying goes, it is not difficult to borrow again if you borrow and pay back. No matter whether you borrow money from a bank or a financial institution, you must ensure that you repay it on time, so that the other party will recognize your credit when you need a loan next time.
So much for the introduction of loan approval in the credit report.