Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records".
In case of overdue repayment, the borrower's overdue record will be submitted to the personal credit reporting agency, which will affect the personal credit reporting record in the future. Second-hand has a long-term good cooperative relationship with the central bank's credit information system and other credit evaluation companies. If the borrower keeps good repayment habits, it will help to improve the credit rating of users.
Credit information can restrain the behavior of enterprises and individuals from the system, which is conducive to the formation of a good social credit environment. China has advocated the virtue of honesty and trustworthiness since ancient times, and promoted the formation of the concept of honesty through moral criticism. Honesty is a kind of social morality and a basic principle of communication with people.