In the process of handling student-origin student loans, the China Development Bank will conduct strict loan review for borrowing students and borrowing partners. In the audited projects, there are personal credit reports. Therefore, the student loan will check the credit information.

In order to make it easier for everyone to apply for student loans from students, here are some matters needing attention in credit reporting.

1. The credit investigation of student-origin student loans is the credit record of the central bank. When it is determined that * * * is the same borrower, * * can be asked to check the credit record with the borrower first. The query method is as follows:

(1) Take your ID card to the local central bank's credit information center for on-site inquiry (a little troublesome, but the success rate is high);

(2) Log in to official website, the central bank's credit information system, and register to inquire about credit information records (very convenient, but the inquiry failed).

2. When determining the borrower, you must try to choose someone with good personal credit and certain repayment ability.

Generally speaking, students' student loans are all for credit investigation. In order to ensure the smooth passage of the loan, it is recommended that you pay special attention to credit reporting.

Second, who knows, by the way, does the student loan have a credit report? thank you

Student loans should be subject to credit investigation. As long as borrowers and banks produce borrowers, they must accept credit information.

Third, what are the requirements of students for credit reporting?

Student-origin student loans are not very strict with credit information, as long as * * * and borrowers (parents) have good credit information.

Conditions for applying for a national student loan:

1, family financial difficulties;

2. Those who have China nationality and have reached the age of 16 must hold Chinese identity cards;

3. Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);

4, honest and trustworthy, law-abiding, no illegal behavior;

5. Study hard and finish your studies normally.

Fourth, is there a credit report for student loans? Avoid these, and you can't get on!

After entering 20 18, many college students have stepped out of campus and entered the society. Many of these college students completed their studies through student loans from their places of origin. After these students enter the society, they will begin to gradually repay the student-origin loan. In the process of repayment, some people may be overdue. Then, will the period of origin of students have a negative impact on credit reporting? Today belongs to everyone.

According to the usage records of China Development Bank, it will be reported to the central bank for credit investigation. So everyone's overdue records were collected at the meeting. If the student loan is used in full accordance with the contract, then there is no need to worry that the relevant loan records will have a negative impact on the central bank's credit information.

In order to avoid overdue repayment, it leads to the credit investigation of student-origin student loans. Here, I would like to introduce some precautions to avoid credit reporting of student-origin student loans.

Update personal information

After graduation, everyone will have a lot of personal information and home address In order to avoid not receiving the repayment reminder, everyone must update their contact number and home address as soon as possible.

Increase Alipay repayment account

Now, student loans can be repaid through Alipay account. There is no development bank's student loan system to increase payment.

Set repayment reminder

The repayment date of student-origin student loan is 65438+February 20th every year. You can set a repayment reminder on 1-2.

Generally speaking, when collecting credit information for student-origin student loans, everyone must pay attention to timely and full repayment within the repayment period, and never overdue.