First, there is no impact.
If there is a bad credit record, submit it to the financial information database. In the future, as long as banks and financial institutions can find your credit history, the situation that loans and credit cards have an impact on landlords in the future is long overdue. If the overdue records have been submitted to the financial credit database, even if they are paid off, there will be overdue records. Please consult the agency and its staff for details.
Second, the credit report
If a message is given, it should be submitted to the basic database of financial credit information, which will have an impact on future credit investigation. Banks usually summarize these data to the Bank of China at the end of the month.
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1, bank
With the gradual deepening of market-oriented economic system reform, the government gradually withdrew from the market. The Commercial Bank Law stipulates that the reform direction of the four major state-owned banks is to establish commercial banks with independent subject qualifications. Therefore, national credit is no longer the foothold of financial credit. However, the current economic system has broken the highly centralized and unified credit system under the planned economy, but failed to establish a financial credit system that conforms to market norms, resulting in serious distortion of credit relations and widespread moral hazard behavior in the financial market.
2. Bank loans
The bank's reluctance to lend coexists with the financing difficulties of small and medium-sized enterprises and private enterprises, which shows that without the support of credit, there is a "lose-lose" situation between banks and enterprises. The credit records of all your credit cards and loans are filed in the credit database of the People's Bank of China, which means that the Agricultural Bank of China will report your credit cards to the People's Bank of China after the deadline, which will affect your credit records and thus affect your future loans and credit cards. In other words, the bank will keep this record on the financial credit platform, which will affect your future loan application, credit card application and so on.