This is normal.
But a one-year-old child
There are even bank loans.
Tao Ge lives in Xinzhuang Village, Xingping City, Shaanxi Province.
That's what happened.
Tao Ge: When I was one year old, I borrowed 3500 yuan from the bank. Don't believe it. I have a bank loan record here, showing 7 loans.
Date of seven loans.
That was from 1992 to 2002.
The last loan
Brought a lot of trouble to Tao Ge.
Tao Ge: Because the loan in 2002 was not repaid, there is something wrong with my credit information. I am in a hurry to buy a house now. The people's bank of China won't give me a mortgage loan at all, and my credit card and ETC pass card can't do it either.
I'm too old.
I did borrow money from the bank.
But they were all borrowed after the age of 20.
And it's already done.
Before the age of 20
I never borrow money.
However, in September last year, he wanted to get an ETC pass card, but the bank staff said that there was something wrong with his personal credit information and he couldn't do it. Only then did I know that I still have these seven loans in my name.
Tao Ge: I didn't borrow these seven loans. Look, this is my household registration ID card. I was born in September1year, but the first of these seven loans was in 1992, when I was only one year old. 1997 There were five loans, when I was only six years old. The last loan was in 2002, when I was 1 1 years old. How did I get these seven loans from the bank as a minor?
However, bank loan records show that
Credit information of seven payments.
Is Tao Ge himself.
But Tao Ge was still a child.
How is it possible to get a loan from the bank?
So who borrowed the money?
Tao Ge found it.
At that time, these loans had been issued.
Shaanxi rural credit cooperative Mawei branch
Ji Lei, director of Mawei Credit Cooperative of Shaanxi Credit Union: You didn't lend this. There is also a Tao Ge in your village, which is also a building materials brick factory. This money was borrowed by Tao Ge.
Shaanxi rural credit cooperative Mawei branch
This loan was approved by another Tao Ge.
This has been achieved.
Those who handled these loans in those years.
Confirmation from Master Cui, the loan officer.
Since these seven loans were borrowed by others, why did they appear in the name of Tao Ge, who was only a child at that time?
Ji Lei, director of Mawei Credit Cooperative of Shaanxi Credit Cooperatives: Before 2002, our credit cooperatives had manual accounts, and everyone in every village had manual accounts. In 2002 and 2003, we just entered the system and recorded all the accounts in a day or two. So when I recorded it, it didn't look good, so I recorded it under the name of Tao Ge, just because the name was the same.
Ji, director of Mawei Credit Cooperative of Shaanxi Credit Union, said that there are many credit problems caused by incorrect loan information input.
Ji Lei, director of Mawei Credit Cooperative of Shaanxi Credit Union: To be honest, Mawei's credit reporting has many objections, not two or three moves you think. I have handled 30 or 40 such credit comments, and I have handled everything I can.
Because the bank records the loan information incorrectly.
That's why ridiculous things happen.
At present, such problems need to be solved urgently.
It's not easy.
Ji: This external account, as well as his bank account, at least talked about hundreds of thousands of accounts, so he ran away. So this is not something I can solve at this level.
Director Ji said that at present, she can only actively report to her superiors and find ways to solve the troubles in credit reporting.
however
Tao Ge has been running for a year.
But full of doubts.
Tao Ge: Banks are prone to make mistakes. Why is it so difficult to correct it?
Related Questions and Answers: Related Questions and Answers: Can I get a loan from a bank if my credit is bad? In the eyes of bankers, the characteristics of borrowers reflected by credit information and real estate mortgage are completely different.
Credit information reflects the borrower's repayment habits and wishes, while real estate mortgage reflects the borrower's repayment ability, especially the second repayment ability that the borrower needs to exert when he is unable to repay the money.
The credit report records the borrowing and repayment records of borrowers when they have a credit lending relationship with banks and other financial institutions in the past five years. It is the common logic of banks to push the future from the past. In the past, the repayment habit was good, and there was almost no overdue. If the borrower has no major problems, the repayment will be better in the future.
Being able to use real estate as collateral illustrates two problems:
At least it shows that he has real estate, which is the precipitation of past income and an important indicator of the borrower's stability and repayment qualification. The borrower can mortgage the house and solve the worries for the bank. If there is a situation that is not yet available, the house can be executed.
Then the problem comes, the credit is not good, can you make up for it with real estate mortgage? The answer is no, mainly for the following reasons:
First, the normal 1 ten thousand yuan is better than the bad1ten thousand yuan.
Some people think that banks can get higher returns if customers have to pay default interest after the deadline. Banks also like overdue. In fact, banks would rather put a little less money, no problem, than put a little problem.
If there is a problem with the loan, the account manager will sacrifice his time to market other customers to collect it, and in serious cases, he will be laid off to collect it. Banks should also include non-performing loans in the assessment, which will affect the performance of all those who handle loans. In addition, non-performing loans are included in the statement, and ordinary banks also forget it. Listed banks will be more serious because these loans will affect the non-performing rate and stock price.
Second, the implementation of real estate is not easy, and all kinds of work are very heavy.
Property mortgage is considered bad because the mortgaged property can be auctioned and the loan can be returned. However, the implementation of real estate is not as convenient as expected. If the mortgage of real estate is unfair, it is generally necessary to sue the borrower first and win the auction. Auction restrictions are not so fast, the second-hand housing market has been depressed, and the audience of auction houses is not so much.
In this series of work, account managers need to submit relevant information to cooperate with collection and implementation. Some banks directly hand in assets to guarantee all assets, and those who guarantee all assets also need special personnel to deal with the court to solve problems, which is heavy work.
Third, the regulatory agencies have regulations, and bad credit is not acceptable.
The "General Rules for Loans" issued by the regulatory agency requires banks to conduct risk rating on the borrower's performance, which mainly refers to the borrower's credit information. Each bank must also introduce clear management measures, which will clearly stipulate what credit conditions are not allowed to obtain loans.
Management measures are an important document for bank examiners to refer to. If the overdue times exceed the limit, no one can agree to lend money. If the loan is agreed, the follow-up audit will investigate the responsibility.
Summary:
Credit information and real estate are two aspects that borrowers can prove to banks that they can repay normally. If you don't have real estate, you can borrow money if you have good credit information, but if you don't have good credit information, you won't have real estate. Banks don't want to implement real estate in the future, but they want borrowers to repay normally. Mortgaged property is just an asset that needs to be used as a last resort. What's more, banks have management measures for credit reporting, and no one can surpass them.
If you think what I said is reasonable, you might as well give me some support, like, forward and pay attention.