Jiangsu bank loans only look at the social security income certificate of the provident fund, not the credit information.

As far as I know, when approving a certain type of loan, Jiangsu Bank may pay more attention to the applicant's provident fund, social security and income certificate, but the importance of credit record may be relatively low. This is mainly because the provident fund and social security records can be used as the guarantee of the applicant's repayment ability, not just relying on past credit records. The following is an overview of Jiangsu Bank loan approval:

1. provident fund: Jiangsu Bank may check the applicant's provident fund deposit record to determine whether he has a stable income source and repayment ability during the loan period. Provident fund is a compulsory savings system, and participants pay a certain percentage every month for personal housing loans and retirement purposes.

2. Social Security: Jiangsu Bank may also consider the applicant's social security payment to evaluate his stable employment status and repayment ability. Social security is a social insurance system that is paid by both employers and employees to provide medical care, pension, unemployment and work-related injuries for the insured.

3. proof of income: the applicant's proof of income, such as payroll, tax bill, bank running water, etc., is also an important reference for banks to consider loans. These certificates can prove that the applicant has a certain source of income and can repay the loan on time.

4. Credit records: Although under certain circumstances, Jiangsu Bank may pay less attention to credit records, it does not mean that credit records will not be considered at all. Banks may comprehensively consider a number of factors, including credit records, to evaluate the applicant's credit status.

It should be noted that different loan products may have different specific approval policies. It is suggested that you consult Jiangsu Bank in detail before applying for a loan to understand their specific requirements and approval process, so as to better prepare the required materials and improve the success rate of the loan.