1. Business Management Department of Xi Branch of People's Bank of China, Address: No.6 Liangjia Pailou, Lianhu District, Xi City, Shaanxi Province;

2. Business Department of Shaanxi Branch of Bank of China, Address: No.0/8, Tang Yan North Road, Lianhu District, xi City;

3. Shanghai Pudong Development Bank Xi 'an Zhangba East Road Sub-branch, Address: No.6 Zhangba East Road, Yanta District, Xi City;

4. Xi 'an Electronic City Sub-branch of China Everbright Bank, Address: No.74 Electronic Second Road, Yanta District, Xi City.

In the early days of the establishment of China's credit system, many people paid insufficient attention to personal credit, so credit card or loans overdue behavior appeared. Because banks and work units will refer to these credit records, long-term negative information has a serious impact on their lives and work. The launch of the new version of the central bank's credit report is equivalent to giving individual consumers who have not paid off their debts within the time limit an opportunity to turn over a new leaf, re-establish and accumulate personal credit records. It is reported that if there is negative information on the personal credit report, residents are likely to be affected when applying for credit cards and mortgages.

In personal credit reports, there are usually the following symbols:

/-indicates 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.