First, there is no credit record in the central bank at present, which may be because there is a cycle in the process of reporting data. But there is no doubt that as long as there is a loan, it must be repaid on time. Don't be lucky. As the saying goes, credit is a person's greatest intangible asset. With the development of economy, the value of personal credit has become increasingly prominent, affecting all aspects of people's lives. Second, today, personal credit records have become our second "identity card". Moreover, bad credit records will bring adverse effects on all aspects of personal life, such as finding a job, applying for mortgage and car loans, and high consumption. Therefore, in our daily life, each of us should establish a sense of honesty and trustworthiness. Private lending has no credit. Although it is not on the credit information of the central bank, big data can still find it, which will also affect its own credit information. Besides, it is. Loans that have not received credit information will be collected more if they are overdue. All loans need to enter identity information, which is to prepare for collection. If someone doesn't pay back the money, the collector will go straight to the door to ask for it, and there will be no peace without paying back the money. If the amount is large, exceeding 654.38 million yuan, there may be legal risks. More than 50 thousand yuan may also violate the criminal law. On the other hand, if you have borrowed money and paid it back, it is not difficult to borrow again. It is impossible not to pay back the money.
Third, formal loans usually need to check personal credit information, but some lending institutions say that loans do not need personal credit information, such as Renren loans and other p2P platforms, but not checking credit information does not mean that users do not have to repay, and borrowers still need to maintain a good repayment record. Users who have applied for a bank loan know that the bank will check the applicant's personal credit record, and a good credit record is one of the necessary conditions for applying for a loan. Fourth, there are many ways to handle loans at present, including bank loans, financial company loans, online lending platform loans, mobile phone software loans, and private loans. Bank loans will be collected at the meeting, and commercial banks will regularly submit users' credit records to the central bank's credit information system. Except for bank loans, there are currently less than 100 lending institutions accessing the credit information system in China, which means that these lending institutions will not collect credit information. However, the inability to obtain credit information does not mean that lending institutions will not check the credit information applied for when borrowing money. After all, credit information record is an important basis to reflect a person's personal credit and repayment willingness. Therefore, most platforms will check the applicant's personal credit information when applying for loans, but some institutions claim that they can lend without bad credit information, such as credit flash loans, salary loans, personal loans, intimate small loans, good-term loans, and I will come to lend without checking credit information when handling loans.