In credit evaluation, professional evaluation institutions judge whether there is default risk by measuring personal credit indicators, such as fixed assets, current assets, work and income, household liabilities, past transaction records, bank running water, etc. , even investigate the situation of immediate family members, and then give the evaluation of credit rating, that is, the rating results of personal solvency and willingness to pay debts.

The assessed credit rating is divided into 3 grades and 9 grades, which are represented by specific symbols. The third category is: a. integrity; B. keep your promise; C. credit warning. The nine grades are: integrity: AAA, AA, A; Reliability: BBB, BB, B; Credit early warning: CCC level, CC level and C level. The higher the grade, the higher the possibility of issuing loans and handling cards.