N in the personal credit report of the Credit Information Center of the People's Bank of China indicates that the borrower made normal repayment last month. In other words, n in the credit report indicates that the user's repayment is normal. C in the personal credit report stands for settlement, which means that the borrower has paid off all the loans and the loan balance is 0; The zero in the credit report indicates that the borrower has not made any repayment times in this loan, which also means that the repayment time has not yet arrived.

1. Credit report is divided into personal credit report and enterprise credit report, which is the record of personal credit center issued by the Credit Information Center of China People's Bank, and is used to query the social credit of individuals or enterprises. Credit reports are divided into three categories, namely personal basic information, credit transaction information and other information.

2. In the personal credit report, there are usually the following symbols:/——————— indicating that no account has been opened; * —— indicates that there is no repayment history this month, and the data with repayment period longer than this month are marked with this symbol, and the repayment frequency is irregular. * indicates that there is no repayment behavior this month; This symbol is also used to indicate that there is no repayment in the month of opening an account. N-normal (indicating that the borrower has repaid the current month's money in full and on time); 1- 1 ~ 30 days overdue; 2 —— It means that it is 3 1 ~ 60 days overdue; 3 —— 6 1 ~ 90 days overdue; 4 —— 9 1 ~ 120 days overdue; 5 —— means overdue 12 1 ~ 150 days; 6 —— means overdue 15 1 ~ 180 days; 7 —— It means that the overdue is more than 180 days; D—— repayment by the guarantor (indicating that the borrower's loan has been repaid by the guarantor, including timely repayment by the guarantor and partial repayment by the guarantor); Z—— Paying off debts with assets (means that the borrower repaid the loan by paying off debts with assets. Only refers to the part that pays off debts with assets); C- settlement (the borrower has paid off the loan in full, and the loan balance is 0. Including normal settlement, early settlement, debt settlement with assets, settlement on behalf of guarantor, etc. ); G-termination (any other form of account termination except settlement); # ——————— The repayment situation is unknown.

3. The credit information system of China People's Bank includes enterprise credit information basic database and personal credit information basic database. The main users of the central bank's credit information system are financial institutions, which are connected with the headquarters of financial institutions such as commercial banks through special lines, and extend the terminal to the business counters of credit personnel of branches of commercial banks through the intranet system of commercial banks. The information source of the credit information system is mainly financial institutions such as commercial banks, and the collected information includes basic information of enterprises and individuals, credit information such as loans and guarantees in financial institutions, and major financial indicators of enterprises.

Operating environment: Huawei nova 6(5G) and HarmonyOS system 2.0.0.