What do you mean by increasing the letter? Improve credit.

Increasing credit means improving credit. Credit enhancement refers to a credit enhancement countermeasure. Through credit enhancement, companies with low credit ratings can obtain financing, and bond investors can also obtain multiple guarantees. For example, for small and medium-sized enterprises with relatively low credit rating, in order to obtain loans or reduce financing costs, it is usually necessary to introduce high-quality enterprises or guarantee companies as their guarantees to improve their credit rating, and credit enhancement institutions are institutions that improve their credit rating. Specifically, they introduce high-quality enterprises or guarantee companies to guarantee their loans. What does the above-mentioned credit enhancement mean? Related content.

What are the forms of credit enhancement?

There are four common ways to increase trust:

1. Third-party guarantee: guarantee is a common form of credit enhancement for online lending institutions;

2. Insurance, the cooperation between online lending institutions and insurance companies to provide insurance guarantees for the financing of platforms and related parties is also a way to increase credit;

3. Risk reserve: the platform sets risk reserve to compensate for investment damage, which is also a common method of credit enhancement;

4. Third-party depository: Third-party depository actually refers to preventing platform running risks and ensuring that user assets are taken away.

Brief introduction of credit investigation

Credit reporting is generally a credit reporting, and credit reporting institutions are institutions that manage corporate credit reporting or personal credit reporting. The Credit Information Center of the People's Bank of China is the institution that manages credit information in China. Credit report can be viewed in different ways, such as credit center of China People's Bank, commercial banks and branches of China People's Bank. It should be noted that individuals should not casually inquire about personal credit information, because each inquiry will be recorded, and too many times means that users owe too much. Credit enhancement is to enhance "credit", and credit investigation is to record and supervise "credit". Personal credit information includes the following points:

1. Basic information: record the user's personal real identity information, settlement information, post information and other basic information;

2. Credit investigation: In short, it is information about personal loans and repayments, such as the use records of loans and credit cards, which is the most critical information in the credit investigation report;

3. Non-financial liability information: information generated from transactions before payment, such as telecom payment;

4. Public information: housing provident fund information, people's court information, tax arrears information and comprehensive law enforcement information.

5. Check the information: record the recent period, when and why someone checked the user's personal credit report.

This article is mainly about increasing letters. What does it mean? Relevant knowledge points are for reference only.