The Credit Information Center of the People's Bank of China is the basic database for collecting personal credit information of enterprises and residents, aiming at providing more accurate and comprehensive information services for various economic activities.
Information collected:
1, personal basic information. Basic information of customers, including: identity information (including date of birth, marital status, mobile phone number, work phone number, education and degree information), spouse information (spouse's name, certificate type, certificate number, work unit and contact phone number), residence information (including past residence address and residence status) and occupation information (previous work unit and address).
2. Credit transaction information. The credit transaction information in the customer banking system includes: credit tips (summary information of loans and credit cards), overdue and default information (overdue quantity, months and maximum overdue amount of loans and credit cards, etc.). ), credit and liability information (information such as the number of credit cards and quasi-credit cards that have not been cancelled, total credit and overdraft balance. ).
3. Non-bank credit information. Customer's credit information in other departments' systems includes tax arrears records, civil judgment records, enforcement records, administrative penalty records and telecom arrears records in the last five years.
Extended data:
Precautions:
1, the individual holds the original and photocopy of his ID card to the local credit information center of China People's Bank.
2. I will print out a paper credit record, and my various loans, guarantees, credit card use and other information will be recorded in detail.
3. All major banks have launched personal credit inquiry service, and the cost of each inquiry is 10 yuan.
4. Users can't check credit frequently, otherwise, when buying a house or making a loan, regular banking institutions will judge that there are too many loans, which will affect the loan amount.
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