Detailed description:
1. Personal credit records are generally collected and managed by credit reporting agencies. Credit reporting agencies will generate personal credit reports according to personal credit behaviors, such as repayment records and credit card usage, for financial institutions' reference. Sunshine consumer finance is a non-bank financial institution. According to the current relevant laws and regulations, it does not directly participate in the business of personal credit investigation.
2. The consumer financial services provided by Sunshine Consumer Finance mainly provide small loans to individuals in the form of consumer installment and cash loans. Because of its relatively small business scale, it is positioned as a non-bank financial institution and generally does not directly participate in personal credit evaluation and credit investigation.
3. Although Sunshine Consumer Finance doesn't participate in credit reporting, it doesn't mean that the individual's loan behavior under its institution will not affect the personal credit reporting record. Individuals who fail to repay or breach the contract on time may be recorded by credit reporting agencies, which will have a negative impact on personal credit records. This will have a negative impact on personal credit lending in the future.
4. In addition to Sunshine Consumer Finance, banks, consumer finance companies and other financial institutions will also participate in credit investigation, assess personal credit risk according to personal credit records, and judge whether to issue personal loans, loan amounts, interest rates, etc.
To sum up, Beijing Sunshine Consumer Finance does not accept credit information, but individuals still need to be cautious about loan behavior, abide by contracts and repay on time, so as to maintain a good personal credit record and obtain better conditions in future credit demand.
Extended data:
Credit institutions are mainly established and managed by the People's Bank of China. Credit institutions authorized by the People's Bank of China include Credit Information Center, Bank of Beijing Credit Information Center, Shanghai Credit Information Co., Ltd. and Shenzhen UnionPay Credit Information Co., Ltd. These credit information institutions are responsible for collecting and sorting out personal credit information and providing credit information and credit evaluation services for financial institutions and other credit institutions. Personal credit record is an important reference in financial activities, which can affect personal future loan financing, buying a house and a car, credit card application and so on.
As a non-bank financial institution, Sunshine Consumer Finance's products are mainly aimed at small and medium-sized consumer finance markets, aiming to meet individual short-term capital needs by providing fast and convenient consumer staging services. Because its business orientation and scale are relatively small compared with other financial institutions, it generally does not directly participate in credit evaluation and credit investigation.
Individuals should carefully choose loans, rationally evaluate their repayment ability, and choose financial institutions with good reputation and legal compliance to borrow money. At the same time, in the process of loan, we should strictly abide by the contract and repay the loan on time and in quantity to maintain a good personal credit record. Only by maintaining a good credit record can individuals obtain better conditions and more choices in the future loan demand.