1. CreditEase Finance has no repayment grace period. Overdue repayment is regarded as overdue, and CreditEase Financial Platform will conduct credit reporting, which will lead to serious consequences of default (the credit record of credit reporting may affect the handling of other financial businesses in the future, such as car loans, mortgage loans, credit card applications, etc. And credit records will have a certain impact on their work, and some jobs will refuse to recruit people with poor credit. Bad credit records will affect their lives, and they will not be able to participate in high-consumption activities such as airplanes, trains or tourism. )
2. If the loan is not repaid after the credit investigation, you can sue. If the circumstances are serious, it may constitute a crime of fraud. If you have a certain repayment ability, you can negotiate with the other party to make a repayment plan for installment repayment. If there is any dispute, you can entrust a lawyer to intervene.
1, the function of credit investigation: First, prevent credit risks. Credit investigation reduces the information asymmetry of all parties to the transaction and avoids the transaction risk brought by information asymmetry, thus judging and revealing the risk. The second is to improve the efficiency of economic operation. Professional credit service can reduce the cost of information collection, shorten the transaction time, expand the market, broaden the transaction space, improve the operating efficiency of economic entities and promote economic and social development. Finally, expand credit transactions. Credit investigation has solved the bottleneck restricting credit transactions, promoted the achievement of credit transactions, promoted the innovation of financial credit products and commercial credit products, effectively expanded the scope and methods of credit transactions, and promoted the expansion of credit economy.
2, according to the service object can be divided into credit, business credit, employment credit and other credit. The main service object of credit investigation is financial institutions, which provides support for credit decision-making; The main service object of commercial credit information is wholesalers or retailers, which provides support for credit sales decision-making; The main service object of employment credit survey is the employer, which provides support for the employment decision of the employer; In addition, there are other credit activities, such as market research, creditor's rights processing, movable property and real estate valuation. The credit investigation business of various customers is completed by one institution, or the independent enterprises in the upstream and downstream use the database to complete the credit investigation institution.