Good application. The "fast loan to promote agriculture" customer acquisition system has been fully put into operation in the province's rural credit system. With the help of the "100-day marketing" activity carried out by the whole bank, 24 loan outlets and 90 account managers of Yuxian Rural Commercial Bank actively carry out marketing by relying on "quick loans to promote agriculture" to provide customers with convenient and fast credit services. It has only been 18 days since the online trial operation of the "Xingnong Express Loan" customer acquisition system, and 258 customers have applied for loans through the system, with the loan application amount of 8210.44 million yuan; Credit 13 1 household, with a credit amount of 57.67 million yuan. The online operation of "Fast Loan to Promote Agriculture" has further made up for the bank's lack of online customers, broadened the channels for customers to apply for loans online, improved the efficiency of loan issuance, provided customers with more convenient and efficient credit services, accelerated the return of small and medium-sized enterprises to production, upgraded credit projects and helped rural revitalization.

1. What is loan credit reporting?

(1) Good credit can save time for bank credit loans; Credit information includes personal identification information such as the name, age, gender, work unit and contact address of the recorded person, so that the bank can intuitively understand your credit situation, without spending more time investigating and verifying the authenticity of the application form, and help the lender to obtain loans quickly.

(2) As the saying goes, it is not difficult to borrow again. If the contents of the credit report reflect that you are a person who repays on time and fulfills the treaty, the bank will certainly be happy to lend you money, and the amount and interest rate will be increased to a certain extent. On the contrary, if there is a stain on your personal credit report, even if you have a house, a car and a career, the bank can't lend you money.

(3) The lender will receive a credit reminder. If there are bad records such as non-repayment and overdue repayment in personal credit information, banks will definitely treat such people differently, such as reducing the personal loan amount, providing guarantees or mortgages when lending, and providing loan interest rates; At the same time, if there are too many personal loans, it has exceeded the affordability. Banks will also be extra cautious when refusing loans.

(4) reflect fairness; Credit investigation is mainly to evaluate the personal credit situation. Regardless of your background or accumulated wealth, the higher the credit value, the more loan opportunities you can get. The credit center will also objectively record your consumption, payment and loan, and reduce the subjective factors that affect credit card processing, online lending and credit lending, which is very beneficial to individuals.