Credit card approval. Loan approval. Pre-insurance review. What does post-loan management mean?

2. What does it mean that there is loan approval in the credit report?

According to the credit report, loan approval means that after a user applies for a loan, the lending institution inquires about the user's credit, and a query record of loan approval will be left in the credit. There should not be too many loan approval records, which will lead to the waste of users' credit information. After the credit information is spent, it is difficult for the subsequent credit information application business to pass the audit. Therefore, when handling credit business, users must pay attention to the interval time, and do not handle credit business frequently in a short period of time, so that credit information can be restored within a certain period of time. 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. Because the relevant departments have not clearly defined the restrictions on negative records, in the old version of the central bank's personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years. In the past, some people complained that they couldn't understand the personal credit report, because it was full of tables and numerical codes, and what each number meant had to refer to the notes to understand it. The new version of the report has changed the presentation mode based on tables and used more words to describe it. At a glance, the public will know which cards are overdue and which repayments are normal. At the same time, the new report also reserved an exhibition area for information such as asset disposal and guarantor's compensation. Loan approval is a process in which the person in charge of credit business conducts "finding out the facts, mastering the policies and determining the loans" according to the loan application and pre-loan investigation opinions within the prescribed approval authority. Working capital loans shall be subject to three-level examination and approval system. The leaders in charge are responsible for the decision-making of the loan issuance results. Identify the facts, that is, the approver re-examines the reasons and uses of loans provided by enterprises and loan personnel, and correctly identifies its nature. Grasp the policy, and finally decide whether to lend or not, whether to lend more or not, on the basis of ascertaining the facts and according to the credit policy determined by the state and higher-level banks. Determine the loan mainly to determine the loan amount, repayment period, interest rate and loan method. Some loan principals should also ask loan officers to conduct follow-up investigation and monitoring. Any loan must adhere to the principle of "two signatures" or "three signatures" for loan approval. In other words, each loan must be investigated by the loan officer, and the preliminary examination opinions are put forward, and the loan can only be issued after the approval of the credit section chief. Loans with a large amount or "three signatures" according to regulations shall be signed by the president. No individual may sign a wholesale loan alone.

3. Why is there an inquiry record about the loan approval institution in the credit report of China People's Bank?

There are errors and omissions in the information it collects, saves and provides for credit reporting agencies.

According to the regulations, the information subject has the right to raise an objection to the credit reporting agency or the information provider and ask for correction if it believes that the credit reporting agency has collected and saved it. In accordance with the provisions of the supervision and administration department of the credit reporting industry of the credit reporting institution or the information providing service institution, the relevant information with objections shall be marked and verified within 20 days from the date of receiving the objection. If the relevant information is verified to be wrong, the credit reporting institution shall correct it.

4. Why is there an inquiry record about the loan approval institution in the credit report of China People's Bank?

There are errors and omissions in the information it collects, saves and provides for credit reporting agencies.

According to Article 25 of the Regulations on the Administration of Credit Information Industry, if the information subject thinks that the information collected, saved and provided by the credit information agency is wrong or omitted, he has the right to raise an objection to the credit information agency or information provider and ask for correction. Credit institutions or information providers that have received objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 20 days from the date of receiving the objections, and give a written reply to the dissidents. After verification, it is confirmed that the relevant information is indeed wrong or omitted, and the information provider and the credit reporting agency shall correct it.