Personal credit records are kept in the credit information system of the People's Bank of China.
① You can try to log on to the website of Credit Information Center of China People's Bank to inquire about the credit report: please click here:/to inquire about personal credit records;
② At present, personal credit reports are also inquired through our counter and professional edition (no charge for the time being).
If your loan in our bank has been released, you can log in to mobile banking and online banking to inquire about your loan information (including: quota/total loan amount, quota start date/maturity date, loan balance, remaining installments, repayment method, quota/loan status, deduction date and loan repayment record). The inquiry process of online banking public edition is as follows: Please go to the homepage of China Merchants Bank, log in to the public edition of personal banking on the right (by card number and inquiry password), and click loan management-personal loan inquiry-loan inquiry horizontally to view it.
What is online lending?
Online lending is also becoming a trend. With the advantage of the Internet, all the steps of loan application can be completed without leaving home, including understanding the application conditions of various loans, preparing application materials and submitting loan applications, which can be completed efficiently on the Internet. Correspondingly, the rise of a number of online lending platforms has also made great contributions to the popularization and promotion of online lending.
On 2017165438+10/2 1 day, the office of the leading group for special work on internet financial risks issued the notice on immediately suspending the examination and approval of online small loan companies, and decided that the supervision departments of small loan companies at all levels should not approve new online (internet) small loan companies, and prohibit the new batch of small loan companies from crossing provinces.
Legal basis:
credit reporting industry regulations
Article 16
The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.