At present, my loans, pat loans and super-fast loans are not included in the national credit information system, so they are not used for credit information. However, in February 20 14, the People's Bank of China has authorized eight private credit reporting enterprises to prepare credit reporting. It is speculated that in the near future, the credit of my loans, pat loans and super-fast loans will be networked nationwide.

1. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals, 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.

2. Credit information records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in the personal credit report, which is commonly called "credit record". Credit investigation records personal credit behaviors in the past, which will affect personal economic activities in the future. These behaviors are reflected in the personal credit report, which is commonly called "credit record".

3. At present, there is no law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 38, 2009+10, the Legislative Affairs Office of the State Council published the full text of the Regulations on the Administration of Credit Information Industry (Draft for Comment), soliciting opinions from all walks of life on the Regulations on the Administration of Credit Information Industry.