Look at your credit information, whether the basic information is false, whether the job seeker has high debts, whether it is overdue, whether the credit information is spent, and so on. In other words, credit information is a person's resume. You can check it through the People's Bank of China official website or the third-party platform, mainly to see whether it is blacklisted and whether the debt is too high.

1. What is a credit report?

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 institutions to share credit information. Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products. The Credit Information Center of the People's Bank of China is a specialized institution in China to establish credit files and provide personal credit information for commercial banks.

Second, the personal credit report

Personal credit information is recorded in the personal credit report, which mainly includes personal basic information and credit information (whether there are bank loans and credit card overdue overdraft records, etc.). ) and non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ). This information will affect individuals' lending behavior in financial institutions. For example, when a bank handles a personal mortgage, it needs to read a credit report. If the credit status is good, they may get preferential treatment, while those with overdue records may have to raise prices or even get loans. It can be said that the personal credit report is an individual's economic identity card.

Three common channels for personal credit inquiry

1. Bank self-service printer for detailed credit information. You need to bring your ID card to the local China People's Bank Credit Information Center or its authorized bank self-service printer for printing.

2. The mobile phone terminal inquires the short version of the credit information. 12 national commercial banks have launched online inquiry service for personal credit reports of mobile online banking. You can inquire personal short credit reports through online app, mainly including ICBC, China Construction Bank, Bank of China, China Merchants Bank, Shanghai Pudong Development Bank, China Guangfa Bank, Bank of Communications, China CITIC Bank, Ping An Bank, China Everbright Bank and Postal Savings Bank. 12 bank app can check personal credit report for free at any time. You can get the report the next day, and the fastest day. China UnionPay China UnionPay Express app has also launched a personal credit inquiry service, through which bank card holders can inquire about personal credit short reports online.

3. Counter-inquiry. Friends who are inconvenient to use the self-service machine can also go directly to the counter of the central bank and the business outlets of commercial banks granted credit by the central bank, bring their personal documents, fill out the Application Form for Inquiry of Personal Credit Report, or obtain personal credit report for free. If you don't have time to go to the bank outlets to inquire, you can also entrust your ID card and your own Inquiry Authorization Letter to your relatives and friends, and others will carry the above materials and my ID card as agents to help you inquire about your personal credit report at the bank outlets.

2022-0 1-24 answer

Agreed 1

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At what steps will banks inquire about credit information when they join the company?

Banks should not inquire about personal credit information when they join the job, which does not meet the requirements of credit information inquiry. Credit information can not be found by anyone who wants to check it, but only when it is really needed and in line with the provisions of the Measures for the Administration of Credit Information. However, after joining the company, some banks require to check the credit information and print it once a year. What steps should banks take to check credit information? Banks should not inquire about personal credit information when they join the job, which does not meet the requirements of credit information inquiry. Credit information can not be found by anyone who wants to check it, but only when it is really needed and in line with the provisions of the Measures for the Administration of Credit Information. However, after joining the company, some banks require to check the credit information and print it once a year. Answer the HR credit information checking process 1. Employees can be required to provide personal credit report when they join the company. 2. When employees apply for the credit card of the corresponding bank, the credit card center can check the personal credit report at any time. 3. Credit report is an important link for enterprises to recruit people in the future. In the future, when approving enterprise loans, it is necessary to look at the credit status of enterprise employees before deciding on loans. CIB ICBC adopts this model. Answering a pro-bank's request to provide a personal credit report when joining the company, and answering a general credit report means that the bank is already interested. If there is no problem with the credit report, it will be recorded. answer

Finance Xiao Chunhui

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Will you check the credit information when you join the company? It depends.

Whether you will check the credit information when you join the company depends on the specific situation. Not all new employees need to conduct a credit investigation. There are many units that check credit information. To cite a few very common examples, national civil servants, teachers, railways and other work all need credit information, but as long as users are not overdue, personal credit information will not affect them. The above is the relevant content of checking credit information when you join the company. The main purpose of credit check The ultimate purpose of bank credit check is to know the credit situation of users, and then decide whether to grant or cancel the credit line. The credit report reflects a lot of information. For example, banks can know whether users frequently apply for cards in the near future, whether their credit cards are cashed out, whether they repay on time every month, or how their consumption level and personal qualifications are. If the user's debt is too high, the frequency of using credit cards is too low, and there is an overdue record, then it will undoubtedly be very difficult to withdraw cash. This article is mainly about whether the job fair will check the credit information.