In order to avoid the disclosure of personal information, the People's Bank of China (PBOC) will display the specific information of the bank that printed the report only when the bank or other authorized institutions collect the credit report. The information of other banks will be replaced by some temporary codes, that is, the letters you see, but you can also see the specific credit and liabilities of the inquired bank, but you can't correspond to which bank. If I take my ID card to the business department of China People's Bank to print the report, the report will clearly show the name, credit and liabilities of each bank.
Extended data:
Credit refers to the funds directly provided by commercial banks to customers of non-financial institutions, or the guarantee of compensation and payment liabilities that may occur to customers in related economic activities, including on-balance-sheet businesses such as loans, trade financing, bill financing, financial leasing, overdraft and various advances, as well as bill acceptance, letter of credit opening, letter of guarantee, standby letter of credit, letter of credit confirmation, bond issuance guarantee, loan guarantee, sale of assets with recourse and non-use. Simply put, credit extension refers to the behavior that banks directly provide financial support to customers or guarantee customers' credit in related economic activities to third parties.
Commercial banks shall follow the following principles in granting credit to the service areas under the jurisdiction of their business functional departments and branches and their customers:
(a) should be based on the level of economic development in different regions, economic and financial management capabilities, the occupation and use of credit funds, financial risks and other factors, the implementation of differentiated credit.
(2) Different credit lines should be determined according to the management level of different customers, asset-liability ratio, loan repayment ability and other factors.
(3) Adjust the credit lines of various regions and customers in a timely manner according to the changes of financial risks and customer credit in various regions.
(4) Within the determined credit line, the amount of each loan and the actual total loan amount are specifically determined according to the actual capital demand, repayment ability, credit policy and the ability of banks to provide loans of local and customers. The credit line is not the planned loan line or the allocated loan scale, but the internal control loan line implemented by commercial banks to control regional and customer risks.