There are several ways to check my loan records.
1, online banking query
Log in to personal online banking → click "Sub-branch function" → personal loan information query, query the repayment plan of the current year, query the historical repayment record and adjust my personal information;
2. Telephone banking inquiry
Call ICBC Telephone Banking 95588→ For individual customers, please press 1→ Enter the customer number or passbook number or → For personal loan information inquiry, please press 7→ Personal loan information inquiry.
3. Bank outlets query
I took my ID card to the Credit Management Office of the local people's bank to inquire and print personal credit reports.
4. Consult the bank loan auditor.
You can query the repayment plan, historical repayment record and personal information adjustment of the current year. Different banks have different regulations. You can call the customer service telephone of the handling bank for specific inquiry steps.
legal ground
People's Republic of China (PRC) Commercial Bank Law Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method.
Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.
After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
How to check whether your ID card has been loaned?
If you want to check whether your ID card has a loan record, customers can take the following methods: 1. Log in directly to official website, the Credit Information Center of China People's Bank, on the computer browser, and enter the Internet personal credit information service platform to inquire about personal credit reports; Or bring your personal ID card to the business hall of the branch of the local people's bank to find a staff member to inquire; You can also call the customer service of the People's Bank of China. We should know that when consumer financial institutions apply for loans, if the platform has access to the central bank's credit information, it will inevitably leave relevant records in the credit information. 2. You can query third-party data platforms, such as people's credit reporting. After all, many small loan platforms with low application thresholds are not connected to the central bank's credit information, which is the first choice for criminals to defraud loans. Therefore, even if they borrow money, they will not leave a record in the credit report, and most of the relevant loan records are left in big data. 3. See if you have received a short message from a lending institution/platform without a registered account in your mobile phone. If there is a dunning message, it is likely that someone else has stolen the ID card.
How to check whether there is a loan in your name?
Check whether there is a loan in your name through mobile banking or directly to the bank.
If you can't confirm whether you have a loan, the most direct way is to check the credit report, which records whether the individual has borrowed money and paid it off on time; The daily use of credit cards will also be recorded, and the credit report is the most comprehensive record.
There are many ways to query personal credit information, including branches of the People's Bank of China, official website Credit Information Center of the People's Bank of China and bank counters. When going to the branches and bank counters of the People's Bank of China, you must bring your valid personal identity documents and make inquiries on the working days of the bank; Inquiries through the official website Credit Information Center of the People's Bank of China must be registered before they can be inquired; Everyone chooses the query method that suits them according to the actual situation.
Personal credit information generally records personal basic information, including personal transactions on online lending platforms. Personal credit reports are used in many aspects, such as housing loans, car loans, consumer loans, credit loans and so on. Although you can inquire about your own credit information, too many inquiries will have a bad influence, so individuals should not casually inquire about credit information records at ordinary times, and every inquiry will be reflected in the credit information report.
How to check whether there is a loan on the ID card?
Check whether the ID card has a loan. The specific operation steps are as follows:
Operating environment:
Brand model: iPhone 13
System version: iOS 15.4
App version: 13.2
Search "Credit Information Center" in Baidu first, and open official website.
Second, find the following "core business" and click "Internet Personal Credit Information Service Platform".
Third, enter your name and ID number for inquiry.
Loans refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge, mortgage, guarantee or credit line of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.
By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.
Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and network. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by laws and regulations such as the Contract Law, the General Principles of the Civil Law and relevant judicial interpretations of the Supreme People's Congress.
Network refers to the Internet provided to customers by Internet companies through companies controlled by them. The network should abide by the existing company supervision regulations, give full play to the advantages of online loans, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.
The supervision of online lending platforms, from up to five or six thousand to the end of June, is only 29, and the special rectification work may basically end at the end of the year and turn into regular supervision.
How to check whether my ID card has a loan?
The method of checking whether there is a loan on the ID card is as follows:
1. With my ID card, go to the inquiry window of the credit information system of the People's Bank of China and ask the staff at the counter;
2. Inquire in official website, Credit Information Center of China People's Bank, open the website, click "Start Now", first register an account on the user login page, select "Apply for Credit Information" on the page after successful login, enter the personal information verification page, enter the verification code received by the mobile phone after successful verification, obtain the personal credit information record, open it for viewing, download and save;
3. If the lending institution is not connected to the central bank's credit information system, it can call the agency's customer service phone number and apply to the customer service staff to inquire about the ID card loan record.
When a customer applies for a loan, the bank card, ID card, mobile phone number and face verification provided by the customer are all the same person, so under normal circumstances, there is no need to worry that his identity information will be fraudulently used to get a loan. Of course, in daily life, customers should pay attention to keeping their privacy, and don't disclose their identity information and bank cards easily to avoid being used by some lawless elements.
Legal basis: Article 34 of People's Republic of China (PRC) Commercial Bank Law.
According to the needs of national economic and social development, commercial banks carry out loan business under the guidance of national industrial policies.
Article 44
Commercial banks should handle cash bills, acceptance bills, bills of exchange, entrusted collection and other settlement businesses within the prescribed time limit, record the receipt and payment, and may not illegally hold bills, hold bills or refund tickets. The time limit for recording cash, income and expenditure should be published.
How to check the ID card? Let's stop here.