1. You can bring your ID card to the local central branch of the credit information center of the bank where your bank card is located to check your personal credit report.
2. The information in the basic database of personal credit information is the lending information between commercial banks and individuals, which is only provided to individual borrowing banks and themselves and is not made public. Not everyone, even the loan officer of the bank, can find the personal credit report.
3. Once the consumer has a situation of "owing money and not paying it back", the relevant financial institutions will definitely contact the parties. However, consumers may or may not know that they are blacklisted until they are rejected by financial institutions.
Brief introduction of CBRC:
China Banking Regulatory Commission (China Banking Regulatory Commission or China Banking Regulatory Commission) was established on 20 18, and is directly affiliated to the State Council. Its main duties are to conduct unified supervision and management of the banking and insurance industries in accordance with the law, safeguard their lawful and steady operations, prevent and resolve financial risks, protect the legitimate rights and interests of financial consumers and maintain financial stability. The Insurance Regulatory Commission of the Bank of China is a directly affiliated institution of the State Council, and it is a ministerial-level institution.
Definition of credit report:
Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.