The specific process of checking whether there is an online loan under your name is as follows:
1, log in to Alipay;
2. Find "Security Settings" on the Alipay Settings page;
3. Then click "Account Authorization" to view the authorized third-party loan platform, and you can see which online loans you borrowed.
In addition, with the state's supervision of online lending, most formal online lending platforms are meeting for credit reporting, and loan records will be reflected in personal credit reporting, so you can query which online lending platforms you have borrowed money from by querying personal credit reporting. The inquiry method of personal credit report is to bring my valid ID card directly to the counter of the local people's bank for inquiry, and there will be staff to help with the inquiry.
The process of online lending is mainly as follows:
1. The borrower logs on to the online loan platform, enters the application page, and fills in personal name, ID number, residential address, contact number, loan amount, loan purpose and other information as prompted;
2. Read and sign the loan agreement and submit the loan application;
3. The platform reviews the information submitted by customers, and evaluates the credit status of customers through big data and platform control (some loan platforms are connected to the central bank's credit information system, and customers need to sign personal credit information business authorization when applying, and the platform will review the credit status of customers through credit information);
4. After the platform is audited, issue the audit results;
5. If it passes, the platform will lend the money to the account designated by the borrower. When the loan arrives, the platform will send an information notice, and when the money arrives, the customer can use it. If the audit fails, the system will also notify the customer.
Online lending is different from financial institutions. Financial institutions are managed by "net capital". Banks and trust companies must have their own registered capital, ranging from several hundred million to more than one billion or even billions. Moreover, registered capital is not used for doing business, but a guarantee and a "threshold". However, due to the low threshold of online lending companies, the government has not yet issued guidance, and platform software can be bought from thousands to tens of thousands. Many people who owe a lot in private lending have bought platform virtual borrowers and virtual mortgages to attract investors to invest at high interest rates. High interest rates are generally at least 30% per year, and some platforms reach 50%.
How to check if you have online loans?
You can check whether you have online loans in the following ways:
1. Bring my ID card to the outlet of China People's Bank and find the credit inquiry window for inquiry. You can check it twice a year for free, and you need to pay if you exceed it.
2. Public places or banks in the city are equipped with self-service inquiry terminals for personal credit information, and users can carry ID cards for inquiry.
3. Users can also register and log in on the website of China People's Bank Center.
4. Some online loans are not creditable. If you want to know about the loan situation, you can log in to official website, download the APP or contact customer service.
Information that can be queried:
1. Loan information query: loan account number, IOU number, repaid period, accumulated repaid principal, repaid interest, remaining periods and remaining principal.
2. Query the repayment details by date (year, month, day and repayment amount).
3. Inquire about the next repayment (loan account number, loan receipt number, amount and date).
Precautions for online lending:
1. No deposit is required.
Formal online lending institutions have strict loan approval procedures. Even if the lender is not required to provide collateral, it is necessary to review the lender's credit history, income, work or business situation and other information, and there are strict restrictions on the loan amount and loan term. Formal lending institutions do not charge any fees before lending, and repay on schedule after entering the loan cycle.
2. Reasonable selection of loan amount and term.
The size of the loan depends on the financial needs of the individual. Under this premise, I need to consider my economic repayment ability to avoid excessive repayment amount and pressure. As for the loan term, the longer the loan term, the higher the interest rate and the greater the interest burden of the borrower.
3. Repay on time
When personal economic difficulties occur, the borrower should take the initiative to negotiate with the bank and apply for extending the repayment period, that is, extending the repayment period or changing the repayment method, and must not delay repayment and lose credit.
How to inquire about your online loan?
The online loan inquiry method is as follows:
1. In banks or public places with personal credit inquiry terminals, users can make inquiries with their ID cards;
2. Go to the business outlets of the People's Bank of China, and you can make inquiries in the credit inquiry window with your ID card. There are two opportunities for free inquiry every year, and you can only inquire if you pay more;
3. Users can check in the People's Bank Center after registering and logging in.
4. Some online loans are not creditable. If users want to know about the loan situation, they can download the app, log in to official website and contact customer service for inquiry.
How to query online loan records?
Introduction of online loan inquiry method: 1. Credit records, log in to China Bank official website for inquiry or bank credit inquiry; 2. SMS; 3. Alipay authorization, check the method to log in to Alipay Personal Center My-Settings in the upper right corner-Account Management-Select account authorization; 4. Professional online loan big data platform query.
If you want to know which online loans you borrowed, you can basically use the above methods to understand. Although online lending is very convenient, some consequences are also very serious, so everyone must think carefully before borrowing online lending to avoid unnecessary trouble.
How to check whether you have online loans?
Querying online loan big data can be queried through a third-party platform. The query methods of online loan big data platform are simple and diverse. Submit your name, ID card and mobile phone number to get a detailed inquiry report.
Big data credit inquiry, operator report inquiry, online loan blacklist inquiry, online loan application records, overdue records, personal loan records, personal online loan records, personal multi-head loan records, personal Internet finance P2P platform loan records and other data.
First, how to query personal credit report
1. The central bank inquires about the personal credit report.
You can usually go to two places. The first is the local head office of the central bank. You can bring your ID card and valid certificate directly. You can go directly to the head office of the bank to find the customer service manager to fill in the application form, and then you can handle the business you want to inquire about personal credit.
2. Check personal credit report online.
If you have confirmed that you have made several loans online, but want to know whether the records of these loans are in the credit information system. In fact, you can directly search online and check this data. You can check your personal credit score and find this WeChat applet. If there are overdue records on the Internet or loan records on multiple platforms, your records will be subject to big data risk control, your online lending platform will be frequently rejected, and even your flower garden will be closed.
Second, how to eliminate the blacklist of online loans?
1. Go to the online loan platform to check your detailed loan records and see how much money you borrowed, so as to prevent criminals from using their personal information to borrow money. If you find that you don't borrow money yourself, but someone else or criminals misappropriate it, you should call the police immediately and then contact the lending platform to explain the situation.
2. After checking your detailed loan records, confirm that you borrowed the money yourself. At this time, you should pay off all the money you owe, and then contact the customer service of the corresponding platform to let them eliminate it.