Why should the US Mission check the credit information when it joins the company?

The purpose of on-the-job credit investigation report is to ensure that there is no problem with employees' credit and verify the authenticity of the current income level provided by employees during the recruitment process.

Influence of credit investigation on enterprises;

1. Effective credit "ID card" plays a vital role in enterprise cooperation. In a market economy, every enterprise (unit) is an independent operator. In order to sign a purchase and sale contract, participate in bidding, apply for qualification, and strive for the procurement of relevant departments, it is necessary to have an effective credit "ID card" to gain the trust of the other party.

2. Good credit gives the enterprise a reliable "passport". Enterprises in the capital market financing, must go through a qualified assessment agencies to assess the credit rating, can be carried out.

3. Good credit is an important means for enterprises to reduce financing costs. In market economy countries, the credit rating of enterprises is directly linked to the financing cost. Enterprises with high credit rating and excellent credit standing will issue bonds or apply for loans at low interest rates, and vice versa; Enterprises without credit rating, that is, enterprises without credit records, are not allowed to issue bonds in the market, and it is generally difficult to get loans.

: Behavior that affects personal credit information

1, arrears of water, telephone and other related expenses, these small things will affect your personal credit information. ?

2. If the borrower's debt is too high. Most people already have car loans and mortgages with repayment amount exceeding 50% of the borrower's monthly income, while credit cards with repayment amount exceeding 50% of the borrower's monthly income will be included in the bad credit information system. ?

3. The borrower applies for personal loan default. The loan principal and interest are not repaid or the guarantor is repaying; Those who repay their debts with assets in the near future and within two years will also be included in the credit record list. ?

4. The borrower's credit card is overdue. If the cardholder forgets to repay or has been in arrears, and the repayment amount exceeds six times in 1 year, it will be recorded.

"Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Breach of Trust" Article 1 If the executed person fails to fulfill the obligations specified in the effective legal documents and has one of the following circumstances, the people's court shall include it in the list of executed persons with bad faith and punish them with credit according to law:

(1) Having the ability to perform and refusing to perform the obligations specified in the effective legal documents;

(2) Obstructing or resisting execution by forging evidence, violence or threats;

(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;

(4) Violating the property reporting system;

(5) Violating the consumption restriction order;

(6) refusing to perform the settlement agreement without justifiable reasons.

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