The People's Bank of China can check the credit information from Monday to Friday, and does not go to work on weekends. At present, the personal credit information basic database network of China People's Bank Credit Information System covers all parts of the country. No matter where you are, applicants can go to the local branches of the People's Bank of China for enquiries. Everyone has two opportunities to check personal credit information for free every year.

1. Inquiry: According to the Business Rules for Inquiring Personal Credit Reports in Basic Database of Financial Credit Information (Banking Credit Information Center [20 13] No.97), if an individual inquires about credit reports in the nearest People's Bank, he shall provide the original of his valid identity document for inspection, fill in the Application Form for Inquiring Personal Credit Reports, and keep a copy of his valid identity document for future reference.

2. Online inquiry: users are registered in official website, the personal credit information service platform of the Credit Information Center of the People's Bank of China; Then submit an application for personal credit report inquiry, and you can get the inquiry result and electronic report the next day.

Three, the personal credit report of the credit information system of China People's Bank mainly has three versions, including different information, namely:

1, personal edition: for consumers to know their own credit status, mainly displaying the credit information and public information of the information subject. Including personal version and personal details version.

2. Bank version: mainly for commercial banks to inquire. In the credit transaction information, the report does not show the names of other loan banks or credit institutions except the inquiry institutions, in order to protect trade secrets and maintain fair competition.

3. Social Edition: for consumers to open stock index futures accounts. This edition displays your credit summary information, mainly including personal practice qualification records, administrative rewards and punishments records, litigation and execution records, tax arrears records, social insurance records, housing accumulation fund records and credit transaction records.

2. Which banks in Wuxi handle personal credit loans?

If China Merchants Bank handles loans, personal consumer credit loans do not need collateral, and the review is relatively strict. You need to submit relevant information to the personal loan department of the local outlets for application, which can only be determined after comprehensive approval by the outlets. Please contact the personal loan department of local outlets for confirmation!

Note: If your loan is used for business, you can try to apply for a small and micro enterprise loan (business loan).

Information brought by Wuxi bank loan.

Personal small short-term credit loan refers to the amount of less than 20 thousand yuan issued by the lender to solve the temporary consumption demand of the borrower.

Lender refers to the branch of industrial loan business in China. The borrower refers to a China citizen who has a fixed residence in China, a fixed residence in a local town (or a valid residence certificate) and has full capacity for civil conduct.

I. Borrower's Information

Borrowers applying for personal small short-term credit loans shall meet the following conditions:

1. China citizens with permanent residence in China, permanent residence (or valid residence certificate) in local towns and full capacity for civil conduct;

2. Have a proper occupation and stable economic income (), and repay the loan on schedule.

3. The borrower's unit must be an administrative department, enterprise or individual recognized by the lender and having a good cooperative relationship with the lender.

4. Abide by laws and regulations, and have no illegal acts and bad credit records;

5. Open a credit card at the bank

6. Sign an agreement with the lender to deduct the loan from its peony credit card or current savings account;

7. Other conditions stipulated by the lender.

Two. Loan term and interest rate

(1) The term of personal small short-term credit loan is 1.

(2) The interest rate of personal small short-term credit loans shall be subject to the short-term loan interest rate stipulated by the People's Bank of China, and the floating range shall be subject to the relevant regulations of the People's Bank of China, and the contract interest rate shall be implemented, and interest shall not be calculated by sections. If the loan term is less than 6 months, the interest shall be calculated at the interest rate of 6 months.

(3) The starting point of personal small short-term credit loans is 2,000 yuan, and the loan amount is no more than 6 times of the borrower's monthly salary, with a maximum of 20,000 yuan.

(four) personal small short-term credit loans are generally not issued. If the loan cannot be repaid on schedule due to force majeure or accidents, it may be extended once with the consent of the lender, and the accumulated interest before the loan term shall be paid at the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated according to the loan interest rate listed on that day 1 year from the date of extension.

Third, the loan application

When applying for a loan, the borrower shall provide the following information to the lender:

1, loan application approval

2. My valid ID card

4. Which banks in Wuxi handle personal credit loans?

Postal services can be guaranteed by three companies.