The importance of the credit report should be relatively large. It is an international practice to develop the credit information industry. In China, the credit report objectively records the credit activities of the information subjects and helps the credit examiners to judge the credit status of the information subjects. To some extent, it is called the economic identity card of our information subjects, including enterprises and individuals.
The largest amount of credit report is in the financial system. In the financial system, the bank's pre-lending approval, risk pricing and post-lending risk management are all links. Every loan approval, every credit card issuance, every risky product pricing, every customer's risk warning, and every collection of non-performing loans of financial institutions need to inquire about the credit report of the parties concerned. It can be seen that the inquiry of credit report has been fully and deeply embedded in the management system of financial institutions. In the process of credit management, financial institutions increasingly use and rely on credit information system.
Extended data:
Precautions for viewing credit reports:
1. After receiving the report, you will find that the number of accounts in your name is far more than the number of credit cards, because the number of accounts is not equal to the number of credit cards. The number of accounts is how many credit card accounts, several housing loans and several loans are named. In the report, a dual-currency credit card (including RMB account and USD account) is equivalent to two accounts, so the number of accounts is not equal to the number of credit cards.
2. Guarantees for others will also be included in the credit report, and credit records include credit records such as credit cards and housing loans.
3. Tax arrears and arrears will also be recorded in credit records: public records include tax arrears records, court civil judgment records, execution records, administrative punishment records and telecom arrears records in the last five years. When there is no public record, detailed information is not displayed in this section.
4. Unsold households are not equal to unsold households: Unsold households refer to the number of credit card accounts of unsold households (including those in use and not activated).
Baidu Encyclopedia-China People's Bank
Baidu Encyclopedia-Credit Report
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Baidu Encyclopedia-Personal Credit Report
Baidu encyclopedia-China people's bank Zheng Xin center