Enterprise credit information inquiry and management authorization
* * Bank * * Branch (sub-branch/sub-branch):
Due to reasons (credit review, loan review, post-loan management, guarantee and pledge review, risk management, etc.). ), you are authorized to inquire about our credit information through the basic database of enterprise credit information of the People's Bank of China in the process of loan processing and post-loan management, and manage our credit information according to the relevant measures of the People's Bank of China. I hereby authorize.
Authorized unit (seal):
Date of authorization: year month day.
Authorized unit loan card number:
Question 2: What does the power of attorney for personal credit inquiry mean? You authorize the bank staff to inquire about your personal credit inquiry.
Question 3: Financial institutions do not need enterprise authorization to inquire about enterprise credit. Unless you just open an account, it won't involve inquiring about corporate credit. All other businesses must check corporate credit!
Question 4: What is the power of attorney for personal credit investigation? Personal credit inquiry power of attorney cannot be easily signed.
Yesterday, Miss Wang (a pseudonym), a customer of a large state-owned bank, received a short message asking her to sign a personal credit authorization letter at the bank's outlets. In this regard, the reporter contacted the bank involved, and the relevant person said that the central bank's credit information system began trial operation in August 2005, and there was no relevant management authorization before. Therefore, banks must now uniformly notify those who apply for credit cards or loans before June 5438+February 2005, and sign authorization letters at outlets in batches.
As a matter of fact, when a customer handles a loan business, the bank must check his personal credit report, but he must sign a power of attorney with the customer in advance to check his personal credit. Experts suggest that the power of attorney for personal credit report inquiry cannot be easily signed unless there is related business in the bank. In order to protect personal privacy, it is best for individuals to check their personal credit reports regularly.
When it comes to credit reporting, people can't help but be linked with the security of personal data. However, Miss Wang (a pseudonym), a customer of a large state-owned bank, received a short message that surprised her very much yesterday. There are many people who have received the same short message, and they are all asked to go to the bank to sign a power of attorney to check their personal credit report. However, experts suggest that in order to protect privacy, the power of attorney for personal credit report inquiry cannot be easily signed.
If there is no loan business, don't sign it.
Yesterday, Miss Wang received a short message: "In order to implement the Regulations on the Administration of Credit Information Industry ... to ensure that you can know your credit status in time ... please bring your ID card to any branch of our bank to sign your personal credit authorization. For details, please consult the branches of our bank [XX Bank]. "
Miss Wang said that she did have a credit card of the bank, but it has been in operation for a long time and has been used normally. I haven't applied for a loan recently. I don't understand why I suddenly received this message. "I called the bank's customer service phone to ask, and the other party said that this situation is not only me, but many people have been told. The specific reason let me go to the bank outlet to ask. "
It is generally understood in the industry that for banks, when a customer handles a loan business, the bank must check his personal credit report, but before the inquiry, the bank must sign a power of attorney with the customer to inquire about personal credit, and the relevant regulatory authorities will also check whether the bank has signed a power of attorney.
Mr. Li, an insider, told the reporter that in this incident, whether Miss Wang had handled personal loans, credit cards and other loan businesses in the bank before was the key to the problem. "If the bank wants the customer to sign the power of attorney now, it is likely that it has not been signed before and needs to be re-signed, but the customer has not handled any business, so it should not be signed."
Because the personal credit report contains a lot of personal privacy information, the central bank has strict regulations on the inquiry management of institutions in order to prevent the disclosure of personal information. "The personal credit report must have a power of attorney for the record, otherwise the bank staff cannot inquire without authorization." Mr. Li said.
Personal credit information should be inquired regularly.
In addition to marital status, the contents of the new personal credit report mainly include "credit records", "official records" and "inquiry records", including the number of outstanding credit card cancellation accounts, overdue accounts and other loan records. Experts suggest, "Sometimes people in banks use customer information to handle cards privately or their ID cards are stolen. If the bank inquires about the credit, it will be recorded, so it is best to check the personal credit report regularly. Unless you are doing related business, don't just sign the authorization letter to inquire about the credit report. "
Question 5: Under what circumstances can I inquire about credit information without the authorization of the enterprise?
Question 6: How to write the power of attorney for enterprises and individuals? Thank you. If China Agricultural Bank wants to inquire about personal credit information, it needs customers to sign something similar to a credit authorization letter at the bank. This credit investigation is authorized by the People's Bank of China to commercial banks. Only bank employees can go in for inspection, and bank employees must register. If not.
Question 7: What is the power of attorney for personal credit inquiry customers? What is the use of it? Do loan users have to sign? The power of attorney for personal credit investigation customers must be signed. You're talking about this. Generally, you will be required to fill in your ID number and press your fingerprint. If it is a loan application, please check the first item. This survey has no effect on you. It is a basis for banks to examine your credit history when making loan information.
Question 8: What does it mean that the loan company wants me to be authorized to sign the letter of credit authorization? Check your credit and be careful with the loan.
Question 9: How to fill in the entrusted items in the Power of Attorney for Enterprise Credit Inquiry? Loan issuance approval: 1. Copy or original of business license of enterprise as a legal person, copy or original of registration certificate of public institution, and other borrowers shall provide copies of valid certificates and produce the original. 2. Copy of People's Republic of China (PRC) organization code certificate and show the original. 3. Copy of tax registration certificate of national tax and local tax and show the original. 4. An enterprise as a legal person shall provide a copy of the registered capital verification report or other proof materials of the source of registered capital, and institutions or private non-enterprise units with legal person qualifications shall provide proof materials of the source of funds. 5. The legal person enterprise shall provide a copy of the articles of association and present the original, and the foreign capital or joint venture shall provide a copy of the approval certificate and present the original. 6. The balance sheet, profit and profit distribution table of the previous year or last month before the legal person enterprise obtains the license, and the financial statements of the institution in the previous year. 7 copies of identity certificate (ID card, foreign passport, home visit permit, etc.). Resumes and certification materials of the legal representative, responsible person or agent and financial controller. 8. An unincorporated enterprise provides a power of attorney for applying for a loan card issued by a legal person enterprise or a superior competent authority. 9. A copy of the ID card of the agent and show the original. 10. Application form for Beijing enterprises and institutions to join the basic database of enterprise credit information. 1 1. Borrower's basic information entry template and borrower's financial statement entry template or SME information entry template. 12. Other materials required by the People's Bank of China.
Question 10: What do you mean, small companies still need authorization for loans? That should be a credit authorization. You need to authorize me to retrieve your credit record from the People's Bank of China. This is normal, and the collection of credit loans is very important. Pay attention to keep your good credit record.