Is it reliable to check the credit information by Puxin?

Generally speaking, it is quite reliable. If you use a mobile phone to query, it is actually to query the central bank's 100-line credit information, which is very simple and convenient to query. Open wechat search: Puxincha. Click Query, enter information and you can query your own 100-line credit data, which come from online lending platforms and UnionPay centers all over the country. Users can query their own big data and credit status, obtain various index data and query their own personal credit status.

Credit investigation is an activity of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and conduct credit management. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting. The People's Bank of China organized commercial banks to set up credit information systems for enterprises and individuals, and set up credit files for more than 30,000 enterprises and nearly 600 million natural persons nationwide. In other words, the credit status of these enterprises and individuals engaged in economic and financial activities will be recorded on the "economic identity card" and become a file that will always accompany the enterprise (himself). If loans overdue has any other breach of contract, then the "economic identity card" will be marked with a gray stroke, and you may face more cautious and critical eyes when applying for loans from banks in the future.

Credit information can restrain the behavior of enterprises and individuals from the system, which is conducive to the formation of a good social credit environment. China has advocated the virtue of honesty and trustworthiness since ancient times, and promoted the formation of the concept of honesty through moral criticism. Honesty is a kind of social morality and a basic principle of communication with people. Honesty and trustworthiness are indispensable virtues for enterprises and individuals. Shanxi merchants and Huizhou merchants, who once dominated China's commerce for hundreds of years, were able to rise to the peak, one of which was to establish the business philosophy of "honesty-oriented". The appearance of credit investigation makes it easier for banks to know your credit status: they hand over their credit information about you to a special institution for summary, and this special institution will establish a credit file (that is, a personal credit report) for you and then provide it to banks for use. This kind of activity that banks enjoy credit information through third-party institutions is credit investigation.