What will happen if I give you a loan?

If you don't pay back or loans overdue, you will be charged a high fine. Overdue time is too long, through SMS, telephone, door-to-door collection. If you don't repay in bad faith, you can also appeal to the court for compulsory repayment. If the circumstances are serious, the debtor also needs to bear legal responsibility. Moreover, now the central bank's credit information system and various platforms are interoperable, and the dishonest behavior of online loans will also be reported to the central bank.

1. Personal credit investigation refers to the activities of a legally established personal credit investigation agency to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

Second: credit report

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

Three. influencing factor

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

Draft an administrative management bill

4. After receiving the objection, the credit reporting agency or information provider shall mark the objection on the relevant information in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, and conduct verification within 20 days from the date of receiving the objection, and give a written reply to the objection.

Five: after verification, it is confirmed that there are errors or omissions in relevant information, and the information provider and credit reporting agency shall correct them; If it is confirmed that there is no mistake or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.

Development of intransitive verbs

At present, the personal credit investigation business has further expanded to foreign banks and non-banks and entered a new stage of development in cooperation with institutions such as pawn, guarantee and leasing. Enterprise credit information system collects all kinds of business credit information of enterprises, including enterprise registration information, annual inspection grade, product compliance information, tax grade information, performance evaluation letter of state-owned assets, etc.