Report to the credit reference center

1.

1、 Personal credit report can be inquired and printed at the local credit reference institution of the people's Bank of China

2. Personal credit report can also be queried and printed on the website of the credit reference center of the people's Bank of China. The specific methods are as follows:

1. Open the Internet search, enter "credit report" in the search column, find the website of the credit reference center of the people's Bank of China and click to enter

2.

Go to the local credit reference management department of the people's Bank of China or the credit reference center of the people's Bank of China in Beijing for inquiry and printing. Credit reference center of the people's Bank of China. It is an institution directly under the people's Bank of China, which is responsible for the daily operation and management of the basic database of personal credit information, and provides personal credit reports and related services

the contact information of all credit reference sub centers and inquiry points in China can be found in the official website of the credit reference center of the people's Bank of China. Pay attention to the address and working hours of each branch

personal credit report query is a service provided by the credit reference center, so in principle, you need to charge a certain cost, so please prepare a certain amount of cash when you go

extended data

1. Precautions for printing report

consult the local credit reference department in advance, ask about the required materials and processes, and make preparations in advance

select appropriate time to avoid printing peak

bring the original ID card and other relevant documents

the cost of preparing for printing in advance

2, the role of personal credit

to save time. A lot of information banks need to know is in the credit report, so they don't need to spend more time to investigate and verify the authenticity of the information in the loan application form. Therefore, the first advantage of credit reference is to save time and help indivials get loans more quickly

it is convenient to borrow money. If an indivial's credit report reflects a person who repays on time and fulfills the contract conscientiously, the bank can not only provide credit services such as loans and credit cards, but also give preferential treatment in terms of amount and interest rate

credit reminder. If the personal credit record in the credit report is bad, the bank must be cautious when considering whether to provide loans. This can remind indivials to cherish their credit records and consciously accumulate their own credit wealth

fair credit. The objective record of personal credit history provided by the credit reference center can rece the impact of subjective feelings and personal emotions of credit officers on loan and credit card application results, so that applicants can get more fair credit opportunities

source of reference materials: online credit reference system of the people's Bank of China

source of reference materials: credit reference center of the people's Bank of China

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4. Mutual Financial platforms are mostly financial fraud<
the CBRC, the Ministry of instry and information technology, the people's Bank of China and the State Administration for Instry and Commerce suggest that in recent years, in the name of "financial mutual assistance", the behavior of promising high returns and luring the public to invest funds has appeared in many places in China. Its main characteristics include: 1
first, there are many names. Common are: "XX financial mutual aid community", "XX financial mutual aid platform", "XX financial mutual aid financing", "XX charity financial mutual aid platform", "XX financial mutual aid investment", "XX mutual aid community", "XX wealth mutual aid platform", etc< Second, it develops rapidly. Relying on the Internet, through the website, blog, wechat, QQ and other platforms, the publicity has a wide range
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6. With my ID card, you can go to the bank counter to check and print, or search online, and check with the credit reference center of the people's Bank of China<
inquire about credit investigation
(Xi'an Mingke Credit Investigation Service Co., Ltd.) learn about
credit investigation, restoration of credit, pocket money
credit card amount, check credit investigation, maintenance of credit card, and bad debt treatment
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autumn is a mature season

7.

To type a credit report is divided into myself and others, and the required materials are different, as follows:

(1) if I inquire about a credit report

an indivial inquires about a credit report from an inquiry point, he / she should provide the original of his / her valid identity card for inspection, fill in the application form for personal credit report inquiry, and keep a of his / her valid identity card for future reference

valid ID cards include: ID card (the second generation ID card must be copied on both sides), officer's card, soldier's card, passport, Hong Kong and Macao resident's pass to and from the mainland, Taiwan compatriots' pass to and from the mainland, foreigner's residence card, etc< (2) if a person entrusts another person to inquire about the credit report, the agent shall provide the original valid identity documents of the principal and the agent, the notarized certificate of authorization for verification, and fill in the application form for personal credit report inquiry, and keep a of the valid identity documents of the principal and the agent The original authorized notarization certificate shall be kept for future reference

extended data:

fees for querying credit reference reports

according to Article 31 of the regulations on the Administration of credit reference instry and Article 1 of the reply of the national development and Reform Commission on issues related to service charging standards of the credit reference center of the people's Bank of China (fgjg [2016] No. 54),

since 2016, the credit reference center of the people's Bank of China Starting from January 15, 2005, the fee for indivials to inquire their own credit reports at the counter will be reced from 25 yuan to 10 yuan for the third time each year. The Internet and the first two times each year will continue to be free of charge

8.

Personal credit records are stored in the credit information system of the people's Bank of China:

① you can log in to the website of the credit information center of the people's Bank of China to query / print credit reports

② if you have applied for the online banking professional edition of China Merchants Bank, you can also query / print through the Online Banking Professional Edition (after login, click "all in one card - account management - personal credit report query")

③ the branches of China Merchants Bank in some cities can inquire about the credit investigation report as an agent. Please call the customer service of China Merchants Bank and select 3 personal customer service - 5-9 to enter the city where the manual service is provided

(response time: April 2, 2019, please refer to the official website of China Merchants Bank for the latest business changes.)

9.

Customers who need to print personal credit report can bring their valid ID card to the "personal credit report self-service inquiry machine" of the people's Bank of China for self-service

according to the regulations on the administration of credit reference instry and the notice of the national development and Reform Commission on recing the service charge standard of the credit reference center of the people's Bank of China, the charge standard of the credit reference center of the people's Bank of China is 10 yuan from the third time every year since July 1, 2017, Through the Internet and the first two times a year to the counter inquiry continue to be free of charge

< H2 > extended materials:

at present, there are three versions of personal credit report, namely:

1, personal version: for consumers to understand their credit status, mainly showing the credit information and public information of the information subject. Including personal version and personal details version

2. Bank version: it is mainly for commercial banks to inquire. In the credit transaction information, the report does not display the names of other lending banks or credit granting institutions except the inquiry institutions, so as to protect trade secrets and maintain fair competition

3. Social version: for consumers to open stock index futures accounts. This version shows your credit summary information, mainly including personal qualification records, administrative reward and punishment records, court litigation and enforcement records, tax arrears records, social insurance records, housing accumulation fund records and credit transaction records