What should Taizhou Bank review before joining the job?

The specific conditions for banks to pass the credit review are as follows:

1, credit records cannot have too many overdue records;

2. Generally speaking, the overdue times can't exceed 4 times, and there can't be overdue debts during the inquiry period (that is, they have not been settled at the time of recruitment), which belongs to "bad debts";

3. There should not be too many credit cards, loans and debts in the credit report;

4. If the number of credit card accounts exceeds five, or the bank loan amount is too high, then the bank will think that the job seeker's debt ratio is too high and it is not suitable for employment;

5. There should not be too many external guarantees in the credit report.

Banks are legally established financial institutions engaged in monetary and credit business, and are the product of the development of commodity monetary economy to a certain stage. Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, each with its own responsibilities. The central bank, namely the People's Bank of China, is a special financial institution in China, whose duty is to implement monetary policy, macro-control the national economy, and supervise and manage financial institutions and even the financial industry. Policy banks, including The Export-Import Bank of China, China Agricultural Development Bank and China Development Bank, are responsible for equity participation or guarantee, not for profit, and directly or indirectly engage in policy financing activities in specific business areas, specifically to implement and cooperate with the government's social and economic policies or intentions.

The emergence of credit investigation activities stems from the emergence and development of credit transactions. Credit is a special form of value movement based on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit. Modern economy is a credit economy, and credit, as a specific economic transaction, is the product of the development of commodity economy to a certain stage. The essence of credit is a creditor-debtor relationship, that is, the lender (creditor) believes that the trustee (debtor) has the repayment ability and agrees to the promise of future repayment made by the trustee.

Personal credit report records the user's past personal credit behavior and can affect the user's future economic activities. Whether handling loans or applying for credit cards, banks or financial companies will take users' credit information as the basis. When applying for a credit card, the bank will check the applicant's personal credit information. Banks or lending institutions will require borrowers to provide personal credit reports when handling loans, which shows the importance of credit reporting.