It mainly includes three aspects. The first is the basic information of the enterprise, such as registration type, legal representative, address, contact information, etc. Second, the credit information of enterprises is not limited to loans, but also includes many financing behaviors between enterprises and banks, such as guarantee, letter of credit, bill discount, factoring and so on. The third is to reserve information space in the enterprise credit database, such as administrative punishment information, enterprise management, judgment, tax evasion records, etc. This kind of law enforcement information is an element of comprehensive evaluation of enterprise credit status, which will be gradually incorporated into the database in the future to provide a basis for credit evaluation.
For an enterprise, from the first loan, the information of every business will be recorded, including which banks the enterprise has financed and the financing situation, so that others can fully understand it.
Is the bad credit record permanent for the enterprise? The above-mentioned personnel said that there is no clear regulation at present, depending on what implementation standards the enterprise credit information system adopts at the exhibition. In a word, it will be an irreversible development trend for enterprises to have stricter credit management.
Second, what is the bank's bad record?
1. The customer's current status is overdue in the Bank's personal credit information system or bank and interbank accounts (including housing loans, automobile consumption loans, personal consumption loans, credit cards, etc.). ), or has a bad record overdue for more than 90 days in the last 12 months.
2. Knowing that the customer has any of the following circumstances through other credit channels:
(1) was listed in the bad customer information database of banks, peers or credit reporting agencies due to illegal card use.
(2) There are major lawsuits or arbitrations and other laws as defendants.
(3) maliciously defrauding bank funds.
(4) Having a criminal record during his imprisonment or in the last seven years.
3. Other bad credit behaviors identified by the issuing bank.
4. The customer has a bad record of more than 60 days overdue in the recent 12 months in the bank credit information system.
3. How to calculate bad bank records? What are bad bank records?
be in debt
4. How long will overdraft card's basic arrears of Huaxia Bank be regarded as a bad record?
The credit card of any bank is generally two days later than the repayment date, which will adversely affect your credit. All banks are like this, which is the rule of the central bank. As for the length of arrears you asked, because the interest-free period of credit cards (that is, credit cards-cards that can be overdrawn) is different from bank to bank, the length is also different. It usually takes about 50 days. The arrears (expenses) generated during this period will not produce bad records. If your bank credit card has a 50-day interest-free period, interest will accrue from the 50th day of your consumption. In addition, the final repayment period of each credit card is different (for each cardholder, it is fixed every month). Please consult credit card customer service or check your bill.