Do institutions need to submit personal credit reports when they join the job? Will there be details of loan repayment in the printed personal credit report, that is, how much money was borrowed?

Generally speaking, companies need to verify their identity, age, education, skills and work experience. However, if it is an important job, there may be requirements for employees' personal credit, and employees are required to provide credit reports, subject to the actual requirements of the company.

I. Composition of Credit Report

1. Credit reports are divided into short version (Internet inquiry) and long version (paper version or bank authorized inquiry). There is a big difference between the two. Generally, when you apply for a loan from a bank, you will ask for authorization to collect credit information, and then you will find out the detailed version, which is more specific and detailed. The shortened version is generally used as a reference for some small loan companies.

2. The layout of the credit report is divided into five sections: personal basic information, information summary, credit transaction information details, public information details and inquiry records.

Second, the credit report printing method

1. The personal credit report needs to be printed online on the personal business page of China Bank, which includes all your loan records, as well as whether you repay the loan on time, the amount of the loan, why you borrowed it, and the time of the loan. Very detailed, but not all your consumption records, just loan records. The loan details you mentioned must be there.

2. There are two ways: on-site inquiry and online inquiry. On-site inquiry: At present, in addition to the branches of the People's Bank of China, agent inquiry outlets have been added to facilitate citizens to inquire about personal credit reports. Please consult the local people's bank for specific outlets. On-site inquiry requires me to bring the original valid ID card.

3. Article 17 of the Regulation on the Administration of Credit Information Industry stipulates that "personal information subjects have the right to obtain their credit reports twice a year for free", and each person can inquire about their credit reports twice a year for free, with a charge for each inquiry from the third time 10 yuan.

4. Internet inquiry: First, Internet inquiry, through the "Internet personal credit information service platform" of the Credit Information Center of the People's Bank of China, after identity verification and application review, personal credit information can be inquired. The second is the query of online banking system of commercial banks. At present, the online banking service for querying my credit report is still in the trial stage. Citizens who hold debit cards from China Merchants Bank and China CITIC Bank Changsha Branch can use USBKey to log in to the online banking system to check their credit reports. There is no charge for checking personal credit reports online.