You can check whether you have a loan in your name by checking your personal credit record. If you have a loan in your name, you can see it in your personal credit record, including the name of the bank, the amount of the loan, and the term of the loan. \x0d\ There are two ways to check personal credit records: \x0d\ 1. Go to the credit reporting department of the local People’s Bank of China to make inquiries. \x0d\　2. You can log in to the Personal Credit Information Service Platform of the Credit Information Center of the People's Bank of China to inquire. \x0d\　Three aspects of credit records can be found through the platform: personal credit information tips, personal credit information summary and personal credit report.