The personal credit information system has realized that all branches of commercial banks in China can access and query the credit information of any individual nationwide. According to the Interim Measures for the Administration of Basic Database of Personal Credit Information, commercial banks can only inquire personal credit reports from the personal credit information system when they handle the following businesses:
(1) Review applications for personal loans, credit cards and quasi-credit cards;
(2) Examining individuals as guarantors;
(3) Post-lending risk management of personal credit that has been issued;
(four) to accept the loan application of a legal person or other organization or as a guarantor, and it is necessary to inquire about the credit status of its legal representative and investor.
Tips: The above information is for reference only.
Reply time: 202 1-09-02. Please refer to the latest business changes announced by Ping An Bank in official website.
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