Query method of loan record: 1. Inquire about personal credit report: If you have no loan record and are worried that your identity will be loaned by others, you can go to the Credit Information Center of the People's Bank of China to inquire about the "personal credit report", which will contain the loan situation in your name on the national network. Of course, this report is lagging behind, about a month. 2. Inquire with the staff of the loan bank: If you know that you have a loan and want to inquire whether there is any problem with your loan record, you can bring your ID card and other related materials to the loan bank counter for detailed inquiry. 3. Open online banking inquiry: If you have already opened online banking of the loan bank, you only need to log in to online banking official website for loan inquiry. (browser computer: macbookpromos 14 open Google version 92.0.4515.131) 4. Call the customer service phone of the loan bank: just call the official phone of the loan bank to inquire about the loan information. What is a loan? Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Lending principle: The "three principles" refer to safety, liquidity and efficiency, and are the basic principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

2. I have never made a loan, and there is a loan approval record on the credit report. What should I do?

If there is no loan but there is a loan approval record on the credit report, you can go to the relevant banking institution first. If there is an examination and approval record for reasons other than your own, you can ask the relevant banking institution to change the record.

Article 25 of the Regulations on Credit Management stipulates that:

If the information subject thinks that the information collected, saved and provided by the credit reporting agency is wrong or omitted, it has the right to raise an objection to the credit reporting agency or the information provider and ask for correction.

There are three reasons why there is no loan but there is a loan approval record:

1. Although there is no loan, you have authorized the lending institution to check the credit report by clicking on the check limit or checking the limit on the loan platform, but you just don't know it. If this is the case, there is basically no problem as long as you don't frequently click on the inspection quotas of several lending institutions in a short period of time.

2. Lending institutions check the credit report without the consent of the credit object, which is equivalent to infringing on the privacy of the credit object, and will also leave a record of loan approval inquiry. You can find the name of the lending institution in the credit inquiry record, search the contact information, and let it apply to the central bank for credit modification and cancel this inquiry record.

3. If the loan is made under a false name, check the loan information in the credit report to see if there are any new loans in the loan record during this period. If there is a loan, don't worry, just take out the evidence that it is not my loan, file an objection to the central bank's credit information, and ask the lending institution to cancel the loan record.

Three, how to query the loan records of rural credit cooperatives?

For the loan progress inquiry of rural credit cooperatives, you can log in to app Rural Credit Cooperatives on your mobile phone for inquiry.

Four, how to query the loans of rural credit cooperatives?

You can go to the credit union with your ID card.