1. Users need to authorize CCB to inquire about personal credit report after submitting loan information, so CCB's decoration loan is for credit reporting. Of course, if the user's credit is good, it is also beneficial to pass the loan review. Bad credit reports may increase the difficulty of audit, and even lead to the direct rejection of loan applications.

2. The bank loan will check the credit information, and if the loan application is successful, it will also check the loan record to check the credit information.