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 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 investigation through third-party institutions is credit investigation. In order to improve efficiency, save time and do things for you quickly.
At present, the central bank's credit information system is mainly connected with the headquarters of financial institutions such as commercial banks through special lines, and the terminal extends to the business counters of credit personnel of branches of commercial banks through the intranet system of commercial banks. Generally speaking, the information source of credit information system is mainly financial institutions such as commercial banks, but recently the credit information system has been gradually opened to non-bank financial institutions, so the loan records of microfinance companies can also be found in the central bank.
So how do individuals query their credit information? There are three ways to do this:
1. Bring my ID card to the local branch of the People's Bank of China and submit an inquiry report for inquiry;
2. Log in to the Credit Information Center of China People's Bank and submit the inquiry request online;
3. Search the outlets of various cities and inquire on the bank self-service machine.
It can be said that the current credit investigation has penetrated into people's daily life, and the future will be more important. Therefore, everyone must maintain their credit records.