After entering the society, there are many places involving loans, including the following aspects (if you say that you have money and don't need loans, forget it):

Education and training (such as employment training, learning Java, learning PHP, etc.), buying a car, buying a house, home improvement, consumer loans (large consumer loans), and so on.

I work in finance. At present, all financial institutions will basically access the central bank's credit information system in order to ensure that risk control reaches an affordable low level. The central bank's credit investigation is the most authoritative credit reference that government departments can give at present. If you have a bad record in the central bank's credit report, it will have a great influence on you in the future.

Credit investigation is an activity of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation and other services to help customers judge and control credit risks and conduct credit management.

Credit investigation is a professional and independent third-party organization that establishes credit files for individuals or enterprises and provides a platform for professional credit investigation organizations to enjoy credit information.