It will affect the credit information.
According to the provisions of Article 108 of the General Principles of Civil Law of People's Republic of China (PRC) and General Principles of Civil Law of People's Republic of China (PRC), the debts shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.
According to the provisions of Article 84 of General Principles of Civil Law of People's Republic of China (PRC) and General Principles of Civil Law of People's Republic of China (PRC), debt is a specific relationship of rights and obligations between the parties in accordance with the contract or the law. The obligee is the obligee, and the obligor is the debtor.
The creditor has the right to require the debtor to perform its obligations in accordance with the contract or according to law.
Xin Erfu is a financial technology company providing consumer credit services in China. It provides reasonable, convenient and safe consumer credit services by using core technologies such as forecasting and screening and automatic decision-making.
In 20 10, with more than 10 years of experience in providing risk management technical services to more than half of the banks in China and 20 million consumer credit database, Xinfufu entered the field of P2P (person-to-person) microfinance information consulting services.
Extended data
If loans overdue exceeds a certain period, the relevant records of overdue users will be transmitted to the personal credit information system of the central bank. In addition to uploading overdue information to the central bank's personal credit information system, Lending will continue to cooperate with third-party credit information agencies such as Qianhai Credit Information, Shanghai Credit Information and Pengyuanzheng Credit Information.
Actions that can be taken against people who break their promises:
1. Some high-consumption behaviors are prohibited, including taking soft sleepers on airplanes and trains.
2. It is to implement other credit punishments, including restricting loans from financial institutions or handling credit cards.
3. If the person subjected to execution is a natural person due to dishonesty, he shall not be the legal representative, director, supervisor or senior manager of the enterprise.
With the advanced risk management technology system, combined with more than 65,438+00 years of practical experience in risk management in China, and taking information consultation as the service mode, Xinfufu provides risk assessment, information matching, risk control, remittance supervision, wealth management and other related services for customers at both ends of platform lending.
Trust to get rich. Is there a credit report? Won't it also affect the credit record?
Without obtaining credit information, the credit information system of the central bank cannot obtain credit and abundant loans.
But it will affect the credit history. Loans overdue 15 days later, the credit cooperatives will report the borrower's default information to the credit information system of the People's Bank of China according to relevant regulations. Once the credit record of the People's Bank of China is tainted, it will be very difficult to buy a house and a car from the bank in the future, and even if the loan is made, the interest to be paid is much higher than others.
Credit information
1. Personal basic information used to identify individuals and reflect their family and occupation;
2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;
3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;
4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;
5. Other information related to personal credit.
influencing factor
The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.
Draft an administrative management bill
Article 25 If the information subject thinks that the information collected, saved and provided by the credit reporting agency is wrong or omitted, he has the right to raise an objection to the credit reporting agency or the information provider and ask for correction.
Credit institutions or information providers that have received objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 20 days from the date of receiving the objections, and give a written reply to the dissidents.
After verification, it is confirmed that the relevant information is indeed wrong or omitted, and the information provider and the credit reporting agency shall correct it; If it is confirmed that there is no mistake or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.
Is it true that the letter is rich and the credit is collected?
Credit information will be collected by Xinhe Wealth, and the loans handled by Xinhe Wealth must be repaid on time, and there can be no overdue repayment. If the borrower's credit is not good, he can't continue to use Xinfu Loan in the future, and then collect it after overdue repayment. It should be noted that bad credit information cannot be used to handle various loans through banks.
The following is the influence of the stain on the credit report on the borrower:
1. The stain on the borrower's credit information will affect the borrower's borrowing on other lending platforms in the future. Most lending platforms will look at the borrower's credit information, and the borrower's credit information is tainted, so the lending platform will not lend money to the borrower.
2. The stain on the borrower's credit information will affect the borrower's application for housing provident fund or car loan in the future. When the borrower applies for a loan, it will be refused by the lending institution or forced to repay the debts incurred by Zhongxin and Wealth.
3. When the borrower applies for a loan, the loan amount will be lower than the normal amount, which will increase the borrower's loan burden. If the borrower applies for a loan, the repayment interest will be higher than normal, increasing the borrower's repayment burden.
Xinerfu is affiliated to Shanghai Xinerfu Enterprise Management Co., Ltd. It is a leading financial technology company in China, providing convenient and professional loan information consulting services and credit management services for high-growth people such as small and micro enterprises and individual industrial and commercial households in China. The company was listed on the new york Stock Exchange on 20 17.
Shanghai xinerfu enterprise management co., ltd has invested in Haidong xinerfu microfinance co., ltd, Shanghai xinerfu network technology co., ltd, xinerfu wealth management co., ltd, Shanghai xinerfu financial information service co., ltd, etc. And xinerfu has more branches all over the country.
Version information: Take version 5.3. 1, Apple13 (iOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.