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.
Credit information
1, personal basic information identifies an individual and reflects his 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, the administrative organs, administrative affairs law enforcement organs, judicial organs in the exercise of their functions and powers in the process of public personal credit related record information;
5. Other information related to personal credit.
Extended data:
According to the Interim Measures for the Administration of Basic Database of Personal Credit Information:
Article 12 A commercial bank may inquire personal credit reports from the personal credit database when handling the following businesses:
(1) Examining personal loan applications;
(2) Examining applications for personal credit cards and quasi-credit cards;
(3) Examining individuals as guarantors;
(4) Managing the post-loan risks of personal credit;
(five) to accept the loan application of a legal person or other organization or as a guarantor, it is necessary to inquire about the credit status of its legal representative and investor.
Article 13 In addition to the provisions of Item (4) of Article 12 of these Measures, a commercial bank shall obtain the written authorization of the inquired person to inquire about the personal credit report. Written authorization can be obtained by adding corresponding clauses in loan, credit card, quasi-credit card and guarantee application.
Article 14 A commercial bank shall formulate an internal authorization system and inquiry management process for post-loan risk management when inquiring about personal credit reports.
Fifteenth credit service centers can provide their own credit reports for compensation according to individual applications.
The credit service center shall formulate corresponding processing procedures to verify the identity of the applicant.
Article 16 If an individual thinks that the credit information in his credit report (hereinafter referred to as objection information) is wrong, he may file a written objection application through the credit management department of the local people's bank or directly to the credit information service center.
The Credit Management Department of the People's Bank of China shall forward the objection application to the Credit Information Service Center within 2 working days after receiving the objection application.
Seventeenth credit service center shall conduct internal verification within 2 working days after receiving the objection application.
If the Credit Information Service Center finds that the objection information is caused by the information processing of the personal credit database, it shall immediately correct it, and check the problems existing in the processing procedures and operation procedures of the personal credit database.
Baidu Encyclopedia-Personal Credit Survey