Personal credit grade B, personal credit rating classification

A Personal Credit B Business Credit C Bank Credit d International Credit.

In accordance with the Measures for the Credit Rating of Bank of China Customers, the Bank of China evaluates from five aspects: solvency, profitability, operation and management, performance, development ability and potential, and evaluates it regularly and adjusts it in a timely manner. Bank of China's customer credit ratings are divided into AAA, AA, A, BBB, BB, B, CCC, CC, C and D, with a total of 10 credit ratings.

AAA-A-grade, the credit rating is "excellent, excellent, good", the customer credit is very good, the overall business development is stable, the operating and financial conditions are good, the capital and liability structure is reasonable, the cash flow in the operating process is relatively sufficient, and the solvency is strong.

BBB-B grade, the credit degree is "good, acceptable, average", the customer credit is good, cash flow and asset and liability status can provide guarantee for debt repayment, and there is a certain risk in credit granting.

CCC-C grade, the credit rating is "poor, poor, very poor", the customer's credit is poor, the overall operating and financial conditions are poor, and the credit risk is large, and measures should be taken to improve the debtor's ability and willingness to repay debts to ensure the safety of bank funds.

Grade D, the credit is "very poor": the main performance is that the credit of the customer is very poor, and the credit risk is extremely high.

There are six levels of personal credit ratings. The details are as follows:

1. AAA level, with a comprehensive score of 90 or above;

2. AA level, with a comprehensive score of 80 to 89 points;

3. Grade A, with a score between 70 and 79 points;

4. BBB level, with a score between 60 and 69 points;

5. BB grade, with a score between 50 and 59;

6. Grade B, with a score of less than 49 points.

What is included in a personal credit report.

A personal credit report contains:

1. The personal credit report contains the identity information of the assessee to achieve the positioning of the assessee.

2. The personal credit report will also record the credit transaction information of the assessee, including the use of credit cards by the assessee, the information on loan handling and repayment, and other personal credit-related information, such as the payment of telephone bills, the payment of water and electricity bills, etc.

3. There are also records of inquiries into personal credit information.

Legal basis: Article 35 of the Commercial Bank Law of the People's Republic of China.

For commercial bank loans, the borrower's purpose of borrowing, ability to repay, and method of repayment shall be strictly examined.

Commercial banks shall implement a system of separating examination and lending from examination and approval and grading of loans.

1. Credit rating B represents tax credit rating, and tax credit rating is a work carried out by tax authorities for enterprises to assess tax credit, which is divided into four levels: A, B, C, and D. Among them, A-level enterprises are the best, and D-level enterprises are the worst.

2. Generally speaking, A-level enterprises have a certain preferential tilt in management measures, and C, D, and especially D-level are the key focus of the tax authorities. Class B taxpayers account for the largest proportion, and the vast majority of enterprises are Class B of the potato.

The five-level classification of loans, also known as the five-level classification of personal credit, is based on the borrower's actual ability to repay the principal and interest, and divides the loan into the following five levels.

1. Normally, the borrower is able to perform the contract and has full confidence in repaying the principal and interest on time and in full.

2. It is important to note that the borrower is currently able to repay the principal and interest of the loan, but there are some factors that may adversely affect the repayment.

3. Subordinately, the borrower's repayment ability is overdue, and the borrower is unable to repay the loan principal and interest in full through normal business income.

4. Suspicious, the borrower is unable to repay the principal and interest of the loan in full, even if it is mortgaged or guaranteed, it will definitely cause greater losses.

5. Loss, the borrower is unable to repay the principal and interest, no matter what kind of measures and procedures are taken, the loan is destined to be lost, or the sail is to recover a very small part of the funds. In the five-level classification, the last three categories are collectively called non-performing loans, which means that if you are classified by the bank into the latter three groups, you may not be able to borrow money.

Personal credit is the foundation of the entire social credit. Market entities are composed of individuals, and all economic activities in market transactions are closely related to individual credit. Once individual behavior is not constrained, individual untrustworthy behavior will occur, and then collective untrustworthiness will occur.

Therefore, the construction of a personal credit system is of great significance. Personal credit is not only the foundation for the construction of market ethics and moral culture in a country, but also a huge resource for a country's economic development. Exploiting and utilizing such resources can effectively promote consumption, optimize resource allocation, and promote economic development.

The more the market economy develops, the more important the function of personal credit will be, and the perfection of the personal credit system has become one of the conspicuous indicators of the maturity of the market economy. In October 2013, the People's Bank of China Credit Information Center issued an announcement showing that from October 28, 2013, the pilot scope of individuals who can check their credit reports through the Internet will be further expanded, from the original three pilot projects in Jiangsu, Sichuan and Chongqing to the whole country can be queried online. In May 2019, the new version of personal credit information was officially launched, and the length and precision of credit information information will be further improved.

Summary. Credit investigation grade B: The user's comprehensive credit score is between 40-49, and the user's loan credit limit is generally 3000;

Credit investigation grade B: The user's comprehensive credit score is between 40-49, and the user's loan credit limit is generally 3000;

Can you tell us more about that?

AAA credit rating: If the user's comprehensive credit score reaches 90, the credit line of the user's loan is generally 600,000 yuan; 2. AA credit rating: the user's comprehensive credit score is between 80 and 89 points, and the credit line of the user's loan is generally 100,000; 3.

Credit A: The user's comprehensive credit score is between 70-79, and the user's loan credit line is 50,000 yuan at the end of the year; 4. BBB level of credit investigation: the user's comprehensive credit score is between 60 and 69 points, and the credit line of the user's loan is generally 10,000 yuan; 5. Credit BB level:

The user's comprehensive credit score is between 50 and 59 points, and the credit line of the user's loan at this level is generally 5,000 points; 6.Credit investigation grade B: The user's comprehensive credit score is between 40-49, and the user's loan credit limit is generally 3000; 7. CCC level of credit investigation; 8. Credit investigation CC level; grade credit information.

Credit Grade A, AA and AAA belong to high-quality customers, Credit Grade B, BB and BBB belong to trustworthy customers, Grade C Credit, CC Grade and CCC belong to dangerous customers. The impact of bad credit investigation 1, bad credit will affect the loan, serious banks will not lend again, credit cards can not be done; 2.Bad credit will affect travel, and it will not be possible to use trains, planes and other means of transportation; 3.

Bad credit checks can affect employment. Some employers will conduct an investigation before entering the company, and they will not be allowed to enter if they are not good; 4.Poor credit checks can also affect families, such as spouses not being able to take out loans, children's studies and employment, etc.

Enterprise credit rating is a method to evaluate the credit status of enterprises, and a B-rated credit rating usually indicates that the credit status of enterprises is average and there is a certain credit risk. Specifically, a B-rated credit rating may mean that there are some financial, operational or market risks in the sedan car, and it is necessary to pay attention to risk control and management. However, a B credit rating does not necessarily mean that the company is bad, but it needs to be more cautious in business cooperation and risk management.

Therefore, if you intend to work with a business with a B credit rating, it is recommended that you conduct sufficient due diligence and risk assessment to ensure your own interests and safety.