How is the personal credit rating assessed?
Credit rating, also known as credit rating, is a credit rating (the level of solvency and willingness to pay debts) given by banks or professional evaluation institutions after reviewing the information submitted by applicants and previous business conditions. Credit rating is generally represented by a specific symbol. At present, China mainly adopts the "three-level and nine-level system", which divides the credit rating of individuals or enterprises into:
The third category: a. Integrity; B. keep your promise; C. credit warning.
Level 9:
Integrity: AAA, AA, A.
Credibility: BBB, BB and B.
Credit early warning: CCC, CC and C.
How to check personal credit rating?
How to check your credit rating? Personal credit rating is evaluated by points system, which mainly includes the applicant's subjective good faith desire, natural events (objective conditions), educational experience, professional experience, legal awareness and asset status. Therefore, we can make a preliminary evaluation of our credit rating according to our actual situation.
Personal credit rating reference table:
Such as education level: doctor 9- 10, master 8-9, undergraduate 7-8, junior college 6-8; Title: senior 10, deputy senior 8- 10, intermediate 7-8; Average annual personal income: over 200,000 yuan, 20 points15-200,000 yuan 10- 17- 19 points, 8-65438+. According to the sum of the scores of each evaluation content, the personal credit rating is evaluated.
The above is the content of the card baby credit rating evaluation query for everyone's science popularization. Readers who are interested in applying for a credit card or loan may wish to make a preliminary credit rating assessment for themselves, so as to predict the success rate of their successful application in advance, or conduct a self-examination of their credit rating, so as to make targeted improvements.