1, affecting their comprehensive credit score.
Zhongan Insurance was jointly established by Ant Financial, Tencent and China Ping An. If people break their promises in Zhongan Small Loan, such as loans overdue and illegal use of funds, it will also affect their comprehensive credit scores in Ant Financial, Tencent and China Ping An. In this case, it will be very difficult for everyone to enjoy the credit services of these enterprises in the future.
2. A penalty interest will be charged.
After everyone appears in loans overdue, Zhongan Small Loan will charge a certain penalty interest on a daily basis. This will further increase everyone's repayment pressure.
The defendant went to court.
If everyone owes a lot of money and refuses to cooperate with the repayment, then it is very likely that they will be sued by Zhongan Small Loan and have to go to court.
I. Credit investigation
1. Credit investigation refers to 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 activities.
2. 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.
3. According to the business model, it can be divided into two categories: enterprise credit information and personal credit information: enterprise credit information is mainly an institution that collects enterprise credit information and produces enterprise credit products; Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products.
Second, personal credit records query method:
You can go to the local branches and credit branches of the People's Bank of China. The information required for personal credit record inquiry needs to be inquired by myself or authorized by others on site. At that time, it is enough to bring the original and photocopy of my valid ID card, and leave the photocopy to the inquiry institution for future reference. Personal valid identity documents include: ID card, military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreigner's residence permit. In addition, when inquiring, you need to fill in the "Personal Credit Report Inquiry Application Form" truthfully.
3. What does the credit report include?
1. Basic information: record personal identity information, residence information, occupation information and other basic information;
2. Credit investigation: In short, it is the information about personal borrowing and repayment, such as the use records of loans and credit cards, which is the core information in the credit investigation report;
3. Non-financial liability information: information formed by consumption before payment, such as telecom payment;
4. Public information: social security accumulation fund information, court information, tax arrears information, administrative law enforcement information, etc.
5. Inquiry information: record the recent period, when and why who checked your credit report.