Extended data:
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
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.
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.
Personal credit investigation is to collect and summarize personal credit-related information distributed in commercial banks, government departments and other social departments, form a personal credit information database, and provide personal credit information inquiry services for commercial institutions and individuals.
Personal credit report is a document issued by a credit reporting agency to record your past credit information, and it is a personal "economic identity card", which can help your trading partners understand your credit status and facilitate you to reach economic and financial transactions.
Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumption money is not deposited in the designated account in full and on time. Overdue interest will be generated, which will affect the credit information, and in serious cases, it will be prosecuted by the court and imprisoned.