Generally speaking, rural credit cooperatives have been connected to the central bank's credit information system, and their main business is rural credit, and the procedures and technical operations for handling business are the same as those of the State Bank. Therefore, when examining the loan, the borrower's credit record will be inquired, and if there is a serious bad record, the loan will be refused.

It means collecting, sorting, preserving and processing the credit information of natural persons, legal persons and other organizations according to law, and providing services such as credit report, credit evaluation and credit information consultation to help customers judge and control credit risks and conduct credit management activities. From "Zuo Zhuan Zhao Gong Eight Years", "A gentleman's words are faithful and have signs, so his resentment is far greater than his body". Among them, "faithfulness and levy" means that it can be verified that its words are faithful, or that it can solicit and verify credit.

Credit investigation is an activity in which a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to enjoy credit information.

in may p>219, the new personal credit information was officially published, and the length and fineness of credit information will be further improved.