2065438+08129 October, 18 The first batch of borrowers of peer-to-peer lending platforms maliciously evaded debts and were included in the central bank's credit information system, and were punished for breach of trust, involving an overdue amount of nearly 200 million yuan.
Incorporating malicious debt evasion information in the field of Internet finance into the credit information system and taking disciplinary measures against dishonesty are not only conducive to urging borrowers to repay their debts in time, but also conducive to purifying the Internet financial environment.
Personal credit report mainly includes the following information of consumers:
1. Personal basic identity information (name, date of birth, address, telephone number, work unit, etc. )
2. Credit records (repayment records of credit cards and consumer credit)
3. Public records (communication payment, public utility payment, court judgment record, etc.). )
4. Inquiry records (all inquiry records of the respondents within 6 months)
Extended data
Matters needing attention in loan are as follows:
1. The information provided to the bank should be true, my address and contact information should be accurate, and the bank should be informed in time if there is any change.
2. The loan purpose should be legal and compliant, and the transaction background should be true.
3. According to your repayment ability and future income expectations, choose the repayment method that suits you.
4. Apply for the loan amount according to your own ability. Under normal circumstances, the monthly repayment amount should not exceed 50% of the total family income.
5. Read the terms of the contract carefully and know your rights and obligations.
6. Repay on time to avoid bad credit records.
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan.
8. prepayment must be handled by communicating with the bank one month in advance.
9. When foreigners apply for commercial loans, banks generally require borrowers to have stable income in the local area, but also to open household registration certificates (some banks also require employment certificates), while housing guarantee companies require foreigners to apply for temporary residence permits in addition to local income.
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