The summary of credit transaction default information will be presented in multiple tables. Users can find tables with repayment records in the past five years. Loans that have been settled, unsettled, or overdue under an individual's name will be reflected in in the table. Therefore, if the user has breach of contract information, he can check it directly in this form. If you find any abnormality, you need to contact the lending institution in time. For users, overdue records will be retained for 5 years from the date of settlement. Overdue records will be automatically deleted after 5 years, so the credit report can be restored.

Credit refers to the form of value movement that is conditional on repayment and interest payments. Usually includes credit activities such as bank deposits and loans. In a narrow sense, it only refers to bank loans. In a broad sense, it is the same as "credit". Credit is an important form of paid mobilization and allocation of funds in socialist countries and a powerful lever for economic development.

The occurrence of loan risks often begins during the loan review stage. Based on the disputes that occur in judicial practice, it can be seen that the risks that arise during the loan review stage mainly occur in the following links.

(1) Omissions of review content. The bank's loan review staff failed to register one loan, resulting in credit risk. Loan review is a meticulous work that requires investigators to conduct systematic inspection and investigation on the qualifications, qualifications, credit, and property status of the loan subject. In practice, some commercial institutions will cause a large amount of capital losses, bad debts, etc. due to this item.

(2) No due diligence. In practice, relevant loan review personnel often only focus on document identification and lack due diligence. In this way, it is difficult to identify fraud in loans, resulting in credit risks.

(3) Wrong judgment. The bank did not seek expert opinions or let professionals make professional judgments on the relevant content. During the loan review process, it is not only necessary to ascertain the facts, but also to make professional judgments on the relevant facts in legal, financial and other aspects.

Application materials

Credit business application form;

Borrower’s basic information, qualification documents, loan certificate (card), authorization letter, etc.;

The last three years and the most recent financial statements and reports audited or approved by the competent authority;

Board of directors resolutions, relevant approvals from the borrower’s superior unit;

Project suggestions Letters, feasibility study reports and approval documents from the competent departments;

Loan use plan and description of repayment sources;

Business contracts related to the purpose of the loan;

Other information required by the bank.