The personal credit inquiry system has the following contents: 1. Basic information: Personal basic information includes identity information, name, gender, household registration, communication information, spouse information, etc. 2. Credit card transaction: that is, credit card transaction information, reflecting personal solvency; There are other information about whether there are loans, loans overdue, debts, etc. Personal credit reporting refers to the activities of a legally established personal credit reporting agency to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to users' requirements. Personal credit report is a personal credit history record provided to legal information inquirers after the information collected according to law is processed and sorted by credit reporting institutions. 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 review and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

Legal objectivity:

Article 3 of "Several Provisions of the Supreme People's Court on Restricting the High Consumption of the Executed Person" If the executed person is a natural person, he shall not engage in the following high-consumption and non-life and work-related consumption behaviors after taking consumption restriction measures: (1) When taking transportation, he shall choose the second-class or above cabin of plane, train and ship; (two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level; (three) the purchase of real estate or new construction, expansion, high-grade decoration of housing; Lease high-grade office buildings, hotels, apartments and other places to work; (5) Purchasing non-essential vehicles; (6) Travel and vacation; (seven) children attending private schools with high fees; (8) Paying high premiums to purchase insurance wealth management products; (9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and seats above the first class of other EMU trains. If the person subjected to execution is a unit, after taking measures to restrict consumption, the person subjected to execution, its legal representative, principal responsible person, the person directly responsible for affecting the performance of debts and the actual controller shall not carry out the acts specified in the preceding paragraph. Anyone who uses personal property for private consumption to commit the acts mentioned in the preceding paragraph may apply to the enforcement court for enforcement. If the examination by the enforcement court is true, it shall be allowed.