It is suggested that the borrower should repay every debt on time when using Cheng E loan. If it is insurance compensation, the consequences will be very serious. There are compensation records in credit records, so it is very difficult to apply for credit business in the future.
Personal credit report (also known as personal credit report) records personal loan repayment, contract performance, law-abiding and other information, which is an objective record of personal credit history. For individuals, credit reports are mainly used for bank loans and credit card approval. For the whole society, credit report is of great significance for preventing and resolving financial risks, maintaining financial stability, improving the quality and efficiency of loan review, promoting the development of credit market, helping small and micro enterprises to raise funds and optimizing the business environment.
According to the relevant tips issued by the Credit Information Center of the People's Bank of China, the information in the credit information report mainly comes from lending institutions, public utilities, courts and government departments, and the bad information mainly refers to the information of breach of contract, tax arrears, court and administrative punishment, while the information that individual residents have loans or credit cards and repay them normally belongs to the positive information in the credit information report.
Credit investigation 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. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
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". The emergence of credit investigation activities stems from the emergence and development of credit transactions. Credit is a special form of value movement based on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit. Modern economy is a credit economy, and credit, as a specific economic transaction, is the product of the development of commodity economy to a certain stage.
The essence of credit is a creditor-debtor relationship, that is, the lender (creditor) believes that the trustee (debtor) has the repayment ability and agrees to the promise of future repayment made by the trustee. However, when the commodity economy is highly developed and the scope of credit transactions is increasingly extensive, especially when credit transactions spread to the whole country and even the whole world, it will be extremely difficult for one party to know the credit status of the other party. At this time, understanding the credit status of market participants has become a demand, and credit investigation activities have also emerged. It can be seen that credit investigation is actually produced and developed with the emergence and development of commodity economy, and it is a credit information service provided for credit activities.