You can log in to the mobile banking of Bank of China and submit your personal credit report inquiry application on the homepage "More", the homepage of loan management function and the "My" module. It is recommended that you submit your inquiry application between 8: 00 and 20: 00 every day.
After receiving your application, China Bank will submit your application to the Credit Information Center of the People's Bank of China. Under normal circumstances, the Credit Information Center of the People's Bank of China will return your credit report within 24 hours. You can download and view the contents of the report in mobile banking, and the specific contents will be subject to what you find. 7 natural days after the successful application, the system will automatically delete it after the expiration, and you need to apply again. There are tips on the page.
Tips: At present, the inquiry function of personal credit report of mobile banking only supports customers who use 18 ID card to open mobile banking services. Customers with other types of certificates who provide mobile banking services, if necessary, please go to the Credit Information Center of the local People's Bank for enquiry.
The above contents are for your reference. Please refer to the actual business regulations.
How to inquire about credit information in mobile banking
Mobile phone is fast in checking credit information. Generally, you can see the results in 1-2 hours, a few minutes faster. You can leave your email address when inquiring, and the results will be sent directly to your email address. (For quick inquiry, you can search for "credit report" or "personal credit report" on the homepage of each bank's APP).
1. Bank of China. Download the China Bank APP and log in, and then click My-Credit Inquiry-Apply for Inquiry.
2. China Construction Bank. Download the China Construction Bank APP and log in, and then click Enjoy Life-More-Government Services-Personal Credit Report Query.
3. After China Merchants Bank downloads China Merchants Bank APP and logs in, click Home-City Service and Personal Credit Report (if there is no personal credit report in the city service, switch to Shenzhen).
4. China Industrial and Commercial Bank. After downloading the ICBC APP and logging in, click "My"-"Credit Report".
5. Shanghai Pudong Development Bank. Download the Shanghai Pudong Development Bank APP, open the homepage search bar to enter the credit inquiry, or click Home-More-Credit Inquiry.
6. Bank of Communications. Log in to the homepage of the mobile banking APP of Bank of Communications and select All Services-Featured Services-Personal Credit Report.
7. Guangfa Bank. Log in to the mobile banking APP of Guangfa Bank and search for "Personal Credit Report" on the home page.
8. China CITIC Bank. Click "Loan"-"Credit Report Inquiry" on the homepage.
9. Agricultural Bank. Log in to the Agricultural Bank APP and click Home-All-Inquiry-Personal Credit Report.
Postal savings bank. Log in to the Postal Savings Bank APP and click "All"-Convenience Life-Personal Credit Report Inquiry on the homepage.
10. China unionpay express APP. Click Home Credit Report. If there is no home page, please switch the address to Beijing, Shenzhen, etc.
1 1. ping an bank APP. Enter the Pocket Banking APP and click Home-More-Loans-Personal Credit Report.
How to check loan credit records online?
1, Baidu search "Credit Information Center", find the official website option of Credit Information Center of China People's Bank, and then click Enter.
2. After entering, find the "Internet Personal Credit Information Service Platform" and click Enter.
3. After entering, find "Start Now" and click Enter.
4. After entering the login interface, enter the user name, password and verification code, and click Login.
5. After logging in successfully, enter the personal account page, check the credit report under the credit application column, and click to get the dynamic password.
6. Enter the mobile phone dynamic password and click Submit.
7. After receiving the identity verification code, on the page of obtaining credit information, check the personal credit report, enter the identity verification code, and click Submit.
8. You can check the personal credit report after submission.
What is the main purpose of bank loan credit investigation?
Bank loans will check credit information. Although the personal credit report will collect the credit records in the past five years, banks mainly look at the credit records in the past two years. In addition to basic personal information, they will also look at four types of information:
1, credit history (loans, credit cards, guarantees, etc. );
2. Credit information of consumption before payment (water, electricity and other payment information);
3. Public * * * information (administrative license, administrative punishment, information of untrustworthy person)
4. Query records (loan application, credit card application, guarantee qualification examination, post-loan management, etc.). )
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit.
Bank loans generally need to provide guarantees, house mortgages, income certificates and good personal credit information before they can apply. In different countries and different development periods of a country, the types of loans classified according to various standards are also different.
Basic definition
Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.
Loan skills
1. Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.
2. Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.
3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability and family income in detail. Make sure that your loan can be repaid on time no matter when, where or how.
4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.
bank loan
According to different classification standards, there are many types of bank loans.
For example:
1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;
2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;
3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;
4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.
5. According to the loan scale, it can be divided into wholesale loans and retail loans;
6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.
How to check your credit in the bank?
You can check your personal credit history.
There are two ways to query personal credit records:
1, check with the credit department of the local people's bank.
2. Inquiries can be made on the personal credit information service platform of the Credit Information Center of the People's Bank of China.
Credit records can be found in three aspects through the platform: personal credit information prompt, personal credit information summary and personal credit report.
Extended data;
Credit line, also known as "credit line", refers to a certain amount of credit line granted by banks to their basic customers, that is, enterprises can recover so much money within a specified time.
For example, if an enterprise applies for a one-year export bill of exchange of US$ 2 million, it can use the amount of US$ 6,543,800,000 for five times (only one procedure is required, and other procedures are very simple). If you use it ten times,
The available quota is 20 million yuan, which on the one hand solves the short-term difficulties of enterprises, improves the capital turnover speed of enterprises and improves the efficiency of capital use of enterprises.
The scope of creditlimit includes (export): credit line, letter of credit (export) mortgage loan line (commonly known as packaged loan), export draft, export collection draft, etc.
In the way of credit line, the credit line needs to be guaranteed, which can be provided by other companies or mortgaged by real estate.
The amount of credit line is generally 50% of the company's net assets, or 10 times of the company's capital, or 30% of the company's annual import and export volume. The term is one year, and it can be recycled within the term.