According to Cai Xi's survey. Com, the micro-loan companies under Zhongan Insurance and the lending institutions cooperating with Zhongan Loan are all formal third-party financial institutions, which have been connected to the central bank's credit information system, so the loans applied for on Zhongan Loan are all collected at the meeting. If the borrower fails to repay the loan, its overdue record will be uploaded to the central bank's credit information system, which will have a negative impact on the borrower's personal credit information. In addition, Zhongan Loan is not only for credit reporting, but also for credit reporting. When the borrower applies for a loan in China, he must authorize the system to inquire about his personal credit information before entering the next operation. If the system finds that the user's personal credit is tainted when auditing the user's personal credit, it will refuse to lend money to the user. Therefore, users must pay attention to maintaining their credit records. Of course, when users use Zhongan Loan, they can also accumulate personal credit by leaving a good repayment record on the credit information.
Credit investigation is a Chinese vocabulary, which refers to collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities.